davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I was recently contacted about refinancing my mortgage with Quicken loans. I did not give permission for my credit to be pulled. They did so anyhow. They refused to fix the hit to my credit. All the did was " apologize for the miscommunication ''. Communication takes 2 parties. I was one of the parties. They, essentially, blamed me for their very poor practices and disguised it as an apology.

They also asked me to give permission to run my wife 's credit. That is illegal. I did not give it, neither did she. Then, like me, they ran her credit without her permission. These two instances happened with two di
fferent Quicken representatives. To me, it shows they're training or pressuring representatives to act illegally, in bad faith, and without consequences. These marks on our credit reports should be removed and Quicken should be punished for their poor practices.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BREMER BANK, NATIONAL ASSOCIATION (MN)

Im not signed up for overdraft protection with my bank ( Bremer Bank in Minnesota, ) so I shouldnt be receiving overdraft fees. Ive complained about this to the company multiple times, reported them to the CFPB and again theyve hit me with {$70.00} in overdraft fees. This is a bad faith effort to take money from the poor on their part. I dont need to be called about this I just need a refund and an email.
Consumer complaint received 2020-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit reports and not accurate and they are taking out points instead of giving me points on my paid credit cards balance. The credit report shows different balance and recently they took 27 points away from me because base in the information you provided was negative.
Consumer complaint received 2021-06-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MO)

On XX/XX/21, PNC Mortgage issued me a closing disclosure that showed my seller negotiated closing costs correctly as {$8500.00} ( 3 % of {$280000.00} ). Doc attached. 

Two hours before closing on XX/XX/21, PNC Morgage revised the closing documents to show that the seller negotiated closing costs incorrectly as {$7700.00}. PNC Mortgage did not inform me of this change, my title company did. 

When I asked the title company rep about the reason, she said that PNC Mortgage said they couldn't make the numbers work. This is unacceptable and forced me to have to bring an additional {$820.00} to closing. 

I have made multiple attempts to get resolution from PNC Mortgage with no success. They are no longer communicating with me.
Consumer complaint received 2020-03-20
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many inquiries that I was not able to list on this application. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$270.00} XXXX  XXXX {$270.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7200.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion hasnt added my credit card account XXXX XXXX XXXX   Acct # XXXX XXXX  has not added neither one of my accounts to my credit report. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX/XXXX Acct # XXXX
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Ive always paid my bill and paid off my card numerous times over the past few years, thousands of dollars and even been rewarded increase, my bill was due on the XXXX of XXXX, due to the Corona virus I called in 3 days past my date and come to find out they closed my account! No notice! No phone call, they would even disclose why, Im severely upset and offended now I have no card and balance that was in the works to be paid off, I want my card back and a reason why, even if Ive never been late to have my card closed for no good reason not fair ....
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

XXXX hasnt added my credit card account XXXX XXXX XXXX   Acct # XXXX Equifax has not added neither one of my accounts to my credit report. 

XXXX XXXX XXXX Acct # XXXX XXXX  XXXX/XXXX Acct # XXXX
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again XXXX, XXXX  and Experian sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (CT)

Department of education/ Nelnet has been reporting false information to my credit and also trying to collect on several accounts that do not belong to me, I have mailed letters to them and also the credit Companies with no resolution. I have also requested verification from both parties and no legitimate documents have been sent to verify that these account belong to me.
Consumer complaint received 2020-04-01
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. (OH)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX
Consumer complaint received 2020-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Contacted company stating that I've been laid off because of the pandemic. I'm a XXXX XXXX XXXX n having a hard time paying any bill. Spoke to the company. They reported negative remark on credit report. Told them that payments can not be made if no income is coming in till the pandemic is over.. They stated whatever money to send in n high interest rate on a daily basis.. At this rate I'll owe 3x the amount on loan. Predatory lender.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US  DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX
Consumer complaint received 2020-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

I work in XXXX and XXXX and with COVID 19 causing " The Great Pause '' I am unable to work or even collect from A/R because of financial strain of everybody at the moment. I had a personal loan given to me to help me through the next 30 days to help me pay for my medical and life insurance and deposited a XXXX check. Normally check deposits are immediately available for use. I was notified through mobile banking app that funds would be made available after nightly processing. The money was deposited into my account and then Regions took it back out and placed a hold on the funds, but never gave any acknowledgement as to why it was being held. I reached out to my Regions bank and told them the situation and inquired as to why the funds were being held. I was unable to speak to anyone directly and was forced to communicate through online service. I was given no reason, only that funds would be held until XX/XX/31. Our entire livelihood as a small business has been put on hold and my bank is now keeping me from moving forward without the ability to care for my family. I find this action to be unacceptable especially at this time of financial crisis and I implore you to investigate as I'm sure there are many people experiencing the same thing.
Consumer complaint received 2020-04-01
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

This my 3rd attempt to fix this issue with EQUIFAX and I am more than prepared to take the next step which take them to court and sue for all punitive damages that this has caused me. The Following accounts are FRAUDULENT and have been proven to be Fraud and per the FCRA section 605b should been blocked and or removed from my credit reports which EQUIFAX lied and claimed they had done. My scores are XXXX  XXXX XXXX  XXXX EQUIFAX XXXX ... .the disparity between the 3 bureaus clearly exposes EQUIFAX and their shady credit reporting tactics and failure to follow in set forth : XXXX XXXX ACCT # XXXX {$5800.00} XXXX  XXXX XXXX  XXXX ACCT # XXXX {$200.00} They reported XXXX  XXXX late after showing the account as closed and now they are reporting it as an active account with a {$200.00} balance ... I have never had a XXXX XXXX   XXXX account!!!!
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (GA)

I received a called from XXXX with First Source today XX/XX/2020 around XXXX XXXX I've never heard from this company via mail.They are stating the debt is coming from a XXXX XXXX account I use to have. I'm not currently working but 2 days a week and I have rent, car loan and bills to pay. XXXX with First Source refused to send information via mail. We're dealing with a pandemic and this company is harassing me. I'm trying to figure out how I'm going to make it day to day and this company is calling and bothering me. First Source hadn't sent anything in the mail. How do I even know the bill and amount is valid. Please Please and please do not harass me via phone.