davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (OH)

I linked an external account to my new account at BBVA Compass and did a transfer of XXXX dollars. I didnt see the withdrawal on my online banking so I called XXXX and learned that they allow ACH deposits but not withdrawals. I notified BBVA both over the phone and via online banking about the problem. I also did a XXXX XXXX direct to bank deposit for XXXX dollars and another for XXXX, the account was never overdrawn and I continued to use it. Several days later I was told the account would be closed due to fraudulent ach transactions I disagreed with that stance but I dont have any recourse with their decision. Now I just want the funds sent back to me. Its been more than two weeks and I cant get an answer from BBVA compass on where the funds are or when I will get them.
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (SC)

We are writing a letter of complaint against Movement Mortgage , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were to close on our very first home XX/XX/2023. Three days before closing on XX/XX/2023, we were sent an email stating our closing cost was {$4000.00} more than the original closing cost ( because of an error made by the lender XXXX XXXX ), which you will see below incorporated in this email below including the letter we wrote and sent to everyone who had a part in this process. Also, you will see email correspondences relevant to our complaint. 
Attached you will find : CLOSING COST DOCUMENTS, SALES CONTRACT EXTENSION, SALES CONTRACT CANCELLATION, CHANGED CIRCUMSTANCE LETTER. 
n Wed, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX wrote : To All, Unfortunately we will decline these services of purchasing this hud home and the XXXX renovation loan. This has been by far the worst experience we have ever encountered in conducting business of any kind. I know not your rules but the GOVERNMENT IS TOO PETTY. We continued to push forward to make our dream come true. Every time we give what you ask for it was never enough and when it was enough, XXXX XXXX DROPPED THE BALL ON PROCESSING DEPOSITS ON OUR CLOSING COST DETAILS FORM. SHE INQUIRED ABOUT THE EARNEST MONEY ON A VERBAL PHONE CALL, I DID EXPLAIN THAT OUR EARNEST FUNDS WERE {$2000.00}. SHE COULD NOT FIGURE OUT WHY {$6000.00} WAS SHOWING UP AND NEVER DID HER DUE DILIGENCE AND INVESTIGATE. THEREFORE, MY " CHANGED CIRCUMSTANCE LETTER '' INCLUDED THE " TOTAL CLOSING COSTS DETAILS '' CALCULATED CASH TO CLOSE TO BE {$6500.00}. Again, every time you ask for something we comply. Closing day was attentive to be XX/XX/2023 and we called in all of our markers from colleagues and now have our closing cost. 
THEN WE RECEIVED THIS EMAIL : XX/XX/2023 SEE ATTACHMENT FOR THE REST OF THIS EMAIL IN ITS ENTIRETY.
Consumer complaint received 2024-03-07
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. (TX)

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit report. Despite multiple attempts to rectify this issue, the fraudulent entries continue to negatively impact my credit score and financial reputation. 

Upon reviewing my credit report on [ date of initial discovery ], I discovered several fraudulent items that I did not authorize or recognize. Since then, I have made numerous attempts to have these fraudulent entries removed from my credit report. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the fraudulent items remain unresolved. 

The presence of these fraudulent items not only undermines the accuracy and integrity of my credit report but also poses a significant threat to my financial well-being. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and vulnerable to further fraud. 

I demand immediate action to investigate and rectify this situation by removing the fraudulent items from my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. 
With this, I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I received a predatory interest only loan from JP Morgan Chase in 2006. They loaned me {$460000.00} on a property that was my Life Estate. They distributed the money to my 5 brothers and paid a {$180000.00} loan off. When I modified my loan 3 years after it was not a modification it was a refinance and they added an additional {$60000.00} to the loan. I made payments ( during the teaser years I have come to learn ) in the amount of {$1500.00} for 9 years and they then sold my loan to XXXX XXXX XXXX ... My payment went up to {$2300.00} and I struggled to make payments. I lost my home two years after it was sold to XXXX. 

It has been 4 years now since JPMorgan serviced my loan and they have sent me a check for {$120.00}. And it infuriates me that they would send me a check for this amount after they sold my loan after adding {$60000.00} to the balance and after 10 years of making payments my loan went from {$460000.00} to $ XXXX+! 

So what is this check supposed to represent? I Phoned JP Morgan to inquire and people on the other end of the line have no idea why they sent me the check! I called twice! 

This institution ripped me off on my loan, sold me to XXXX ( what a name XXXX ). To me it was like a gun pointed at my head!!! I have lost my home my credit is ruined and they send me a check for {$120.00} for years after they serviced my loan! 

Can you please assist me with this matter as I am absolutely astonished that they would try and settle something or remediate their actions with a check for {$120.00} I look forward to your response! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA. XXXX
Consumer complaint received 2019-10-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I filled out a mortgage pre-qualification package through USAA during the first week of XXXX. 

After finding my ideal home, signing a contract ( with a closing date of XX/XX/XXXX ), setting up an inspection, and filing all requested paperwork USAA notified me on XX/XX/XXXX, the day before my inspection, that I would be ineligible for a VA loan despite my certificate of eligibility. My date of military separation has been posted on their banking app since opening my checking account through them in XXXX. 

Their reasoning for denying me my loan is due to my inevitible seperation from the military approximately six months after the contract closing date. USAA is also expecting me to have a job offer accepted six months in advance as a work-around to requirements set by them, as a lender. USAA is, however, blaming this requirement on the Dept. of Veterans Affairs despite the VA, as a guarantor, accepting and approving my application.
Consumer complaint received 2019-10-16
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: SYNCHRONY FINANCIAL (MO)

I am a victim of identity theft. There were three credit cards opened under my legal name and has impaired my credit file. I have made several attempts to get this matter resolved with the creditors. However, they keep denying my fraud claim because of the age of the account. I have reported this to all three credit bureaus. I have filed several Identity Theft Reports with the FTC. This matter needs to be resolved because my credit report is damaged. 

The following accounts are in question : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (GA)

They are saying I haven't paid my mortgage when in fact they are holding two of my payments now in a " suspense '' status and charging me late fees. 

I paid XX/XX/XXXX and XX/XX/XXXX my XX/XX/XXXX and XX/XX/XXXX payments, but they have not posted them. 

My mortgage payment is usually {$780.00} and I always pay {$800.00}. This year they came up with a formula to include extra padding for escrow with a payment of {$810.00} and I told them I am not paying their extra buffer over and above {$800.00} when I have the option of paying any escrow shortage at the end of the year. They have been giving me trouble ever since and it is affecting my credit. I want them punished because what they are doing is wrong! They need to be fined per the Fair Credit Reporting Act for one!
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (OK)

Trying to close to sell 6 properties. Release of motgage taking to long to release. 
Mortgage holder name CALIBER HOME LOANS XXXX XXXX XXXX  XXXX closing company asked CALIBER HOME LOANS to release on XX/XX/2019 CA LIBER HOME LOANS released 2 of 6 properties on XX/XX/2019 ( over 3 mo 's ) CALIBER HOME LOANS still has to release 4 more properties. 
Closing company having extremely hard time to contact CALIBER, it can only done thru email and can take 60 to 120 day 's for respond. 
I'm losing buyers because it's taking to long to clear title to sell Thank You
Consumer complaint received 2019-10-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX Experian credit reporting Agency has been reporting a debit from XXXX XXXX credit union that was paid in full with the agreement that the debit was to be reported payed as agree with no negative report, XXXX XXXX XXXX practice in a deceptive method collections rep from fairwinds federal credit union stated to me and my wife that would the agreement they Lied account is over 7 years old to  be removed open XX/XX/XXXX.
Consumer complaint received 2019-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Liberty Holdings, LLC (LA)

The loan was for {$630.00} and I try to make payment plans with the company who is XXXX   XXXX they told me it was sold to a company called liberty who is now harassing my brother and my mother and also my son they left this number XXXX telling me I owed them {$1700.00} from XXXX I went Thur hardship and still recovering these people are rude and they dont want to hear anything Im saying so I need help this is the reference number XXXX
Consumer complaint received 2019-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am a victim of identity theft. There were three credit cards opened under my legal name and has impaired my credit file. I have made several attempts to get this matter resolved with the creditors. However, they keep denying my fraud claim because of the age of the account. I have reported this to all three credit bureaus. I have filed several Identity Theft Reports with the FTC. This matter needs to be resolved because my credit report is damaged. 

The following accounts are in question : Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX CA,XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA,XXXX  ; XXXX XXXX XXXX XXXX XXXX CA,XXXX ; XXXX XXXX XXXX XXXX CA,XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AmeriCollect (FL)

Americollect violated my HIPPA RIGHTS by somehow WITHOUT my verbal or written permission gained access to the procedure I received during a hospital visit. Nothing in any of my previous complaints against this company explicitly meany with plain language givea them the permission to access that info. XXXX XXXX XXXX should be very ashamed for divulging personal medical info without speaking directly with the patient. Medical info is highly protected. I DID NOT AT ANYTIME WHATSOEVER give AMERICOLLECT access to that private info. The only info I was aware they had was what was the amount of the debt. What they have done can not be allowed to happen to anyone. This is a blatant display of A HIPPA VIOLATION. 

Please see attached for further statements on it.
Consumer complaint received 2022-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (OK)

Received Phone Call on XX/XX/22 referencing a Medical Bill I owed to Progressive Management Systems of a Bill sent to them from XXXX XXXX XXXX XX/XX/22, mailed to an address ( XXXX XXXX XXXX XXXX, XXXX  XXXX, OK XXXX. First off, I never Originally ever received an initial bill from this Hospital, I have never lived at XXXX XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, and furthermore, I have never been to XXXX XXXX XXXX, I have never been on XXXX  XXXX XXXX XXXX 
I have corresponded with Progressive Management Systems by phone on XX/XX/22 and also by Letter verifying my address, Last four of my SSAN and DOB ON XX/XX/22. 

This is totally another individual that they have submitted in error, however, Progressive Management Systems will not clear this up with XXXX XXXX XXXX until I send them a Copy of my STATE DRIVERS LICENSE and also a REPORT TO THE FEDERAL TRADE COMMISSION AS TO WHAT HAS HAPPEN. Recent Letter is attached.
Consumer complaint received 2023-07-04
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. (TX)

This is in response to complaint XXXX. Equifax stated that the company verified but the account but failed to send any proof of documentation. I already informed Equifax that I was involved in a data breach in which they did not care and still proceeded to falsely claim that this account was verified. I submitted another claim a month later with new information regarding the account. The complaint id is XXXX I informed Equifax of new incorrect data such as different collection agencies names and no contact information when I look up the collection agency that is being furnished on my credit report. There are many FCRA violations here and I have been trying to get this inaccurate information removed from my credit report for 3 months. Please explain how you are reporting accurate information when there are different agency names. Also, I was never sent any correspondence notifying me that this account was sold. Nonetheless, the account was paid in full because I do not believe in having unpaid debt. Even though the original company did not do their due diligence to inform me I still paid the balance, and you are still reporting inaccurate information on my credit report. I am demanding that this account is removed due to it being paid to the collection agency. I contacted the original creditor and will attach the letter to this complaint. If this account is not removed within 15 days, I will be proceeding with suing your company for defamation of character, violation of the FCRA, and emotional distress. I will provide my ftc report, my Equifax data breach claim, and my dispute letter to the collection agency.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, at approximately XXXX hours XXXX XXXX, XXXX NMLSR ID XXXX sent an email to XXXX. The email account belongs to XXXX XXXX. XXXX XXXX, XXXX coordinated the mortgage contracts require for the qualification of a home loan with the Wells Fargo Mortgage Department. The email XXXX XXXX, XXXX, sent altered the original terms of the agreement Wells Fargos loan officer XXXX XXXX discussed with XXXX. XXXX XXXX, XXXX amended the percentage for closing from 5 % to 10 %. He also altered the amount required to close to {$17000.00}. XXXX XXXX, XXXX requested that a transfer of funds from XXXX 's investment account become available for a cash sweep however, liquidation of the funds would not be required. XXXX complied with all of XXXX XXXX, XXXX 's instructions and requests. 

On XX/XX/2021, at approximately XXXX  hours, XXXX XXXX, XXXX sent another email again altering the previous terms of the agreement. XXXX XXXX, XXXX directed XXXX 's attention to The Closing Disclosure Contract. XXXX XXXX, XXXX altered the amount from {$17.00}, XXXX to {$20000.00}. XXXX requested to end the discussion and speak with XXXX XXXX, the supervisor for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX agreed to end the discussion and inform his supervisor of XXXX XXXX request. 

On XX/XX/2021, at approximately XXXX  hours, XXXX requested XXXX XXXX initiate a formal complaint against XXXX XXXX, XXXX for unethical behavior, failing to exhibit transparency and integrity. XXXX XXXX, XXXX 's inept instructions also cost XXXX additional expenses associated with mortgage insurance and additional funds liquidated from his investment account. XXXX XXXX accepted the complaint and informed XXXX a representative from Wells Fargo Complaint Department would contact him within 24 to 72 hours. 

On XX/XX/2021, no representative from Wells Fargo Complaint Department initiated any contact with XXXX.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Transunion, XXXX XXXX. 

I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission so you know it's not a game. I want you to remove out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of { {$1000.00} } per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES
Consumer complaint received 2019-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.