davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

On XXXX XXXX from Rocket Mortgage called about trying to refinance my home. He asked me some questions and I answered yes or no. He then when on to state that he was going to look at my credit to see what he could offer me. Never once did he ask for my permission to run my credit. After I hung up with him I got a hard inquiry on my credit. He texted me his contact info where I responded to him that I did not give him the ok to pull my credit. He said he did and apologized for misunderstanding. I then called and got a manager who reviewed the call and also stated I gave him my last 4 of ss # and gave him permission. The manager refused to remove the hit from my credit bc she said I did give him the ok to pull my credit. The way he spoke was very misleading and against the law. I tried to fix the situation but they said after review they cant remove this from my credit. I in no way have him permission to pull my credit I have a loan there and the way he spoke I thought he was reviewing my credit report where I had refinanced not to long ago not that he was actually pulling a new credit report. I requested copy of the call and was told I cant get that unless requested by an attorney.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (GA)

Card was lost sometime beforeXX/XX/XXXX. These charges unauthorized :XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$200.00}.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (WI)

I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans. 
After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. 
I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. 
I did. 
Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit. 
That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. I called Caliber on XX/XX/XXXX and tried to straighten this out. I AGAIN called back on the XXXX and was told by XXXX that if the funds were made immediately available to Caliber, and they could access them, they would take care of the problem. I called my bank and within 24 hours, the funds were transferred to Caliber. I specifically said XXXX to 3 times that I can not have this effect my credit and was assured that it would not. 
On Monday, the XXXX, my credit received a blemish from Caliber home loans. 
I called back and was by XXXX, that I needed my bank to fax over the explanation and that would then fix the situation. Within 24 hours, my bank 's branch manager faxed over the needed paperwork. I called back AGAIN and was told there's nothing they could do. 
I have called Caliber Home Loans no less than 3 more times since then only to be told they'll investigate and let me know. 
I have explained to them that I am in the midst of a refi and have only until XX/XX/XXXX to get all of this straightened out otherwise I will lose my refi. 
I was told again today that this process will now take XXXX to 45 days. 
I have been getting the run around from the beginning. 
Had they told me not to call back in 10 days, this would have been handled right away and since then they will not live up to their word. 
In the mean time my credit has been hit for over 80 negative points and my refi is now cancelled unless this gets reversed. 
Many please to Caliber Home Loans have been listen to and then dismissed with little to no help at all. 
How can they do this when I've done everything they have asked me to do ... and above and beyond? 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP (CA)

I went into a California US Bank branch on XXXX XX/XX/2024. I cashed a US Bank check for {$500.00}. And since I am not a member I was charged a XXXX XXXX  nonmember fee. This fee came out of the check. When I requested a receipt, I was told I would not be given one because cashing checks is not a standard transaction. But now I have no proof that I paid the transaction fee, or that there even was one.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

According to the FCRA, 15 U.S.C. 1681 a 4 my right to privacy I do not want any negative items or collections on my credit report. This is my right.

15 U.S.C. 1681 a 2 states that I did not give any collector written instruction to allow them to report negative items to my credit report.

15 U.S.C. 1692 c ( a ) unlawful communication between collectors and credit bureaus.

Therefore according to the law, delete all collection accounts that are on my credit report.

Delete all late credit card payments Delete all hard inquiries.

If you do not abide by the law you will be sued.
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (FL)

SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2018-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My home was foreclosed on XX/XX/XXXX without me having my due process. Bank of America would not allow me to extend my foreclosure meditation process or make a loan modification. I believe I am being discriminated against. I have been in the home for over 9 years. I reached out to Bank of America several times to modify my loan and was given the run around. I submitted financial documentation and received a letter of receipt of confirmation XX/XX/XXXX from BOA no answer regarding the modification. I was given a motion of ejection for XX/XX/XXXX. I filed a motion of stay of ejection and was denied today. I also filed a motion to open my foreclosure judgement because I was not given the opportunity to stop my foreclosure with a loan modification. I go to court XX/XX/XXXX. BOA has a history of discriminatory lending and mortgage practices against XXXX Americans and XXXX. I would like BOA to agree to open my foreclosure judgment.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

Federal law requires the following Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. 

While Convergent claims they do not buy debt and that they are only doing so on the clients behalf they still have to obide by credit collection guidelines. They are still Required to verify debt and provide mailing showing amount owed. 
Convergent is attempting to collect on a debt that was disputed with XXXX in the amount of XXXX . This XXXX $ was a cut off fee for services that were not used or explained. Information on the debt was sent to company and no response was received. This has to occur within 30 days. 
A written cease and desist was provided to the company on the basis of inaccurate debt reporting and failure to follow federal guidelines. 

Violation of privacy laws occurred by there own admission on their website " Certain information may be collected from you automatically when you access and use the Site. For example, we and third parties may use Tracking Technologies ( defined below ) to collect Usage Information ( defined below ) based on your Device Identifier ( defined below ) for a variety of purposes, which may include activities over time and across third party locations. " The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2018-07-22
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: Diversified Consultants, Inc. (CA)

I found a recently opened account with no info Except company name on my credit report. I have never been contacted by this company no information, you try contact number is is voice mail that is full. I have had no business with this company or anyone they represent.
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent several dispute letters to XXXX and Transunion requesting they do an actual verification on a charge off account that is incorrect, the name of the furnisher is XXXX XXXX XXXX XXXX. The account is showing active and closed on different credit bureau reports, and other incorrect information being reported. All 3 credit bureaus are supposed to provide accurate information ( the same information ) and update or delete. XXXX and Transunion continues to say they have updated and verified the information but nothing has changed. This is violation of both FDCPA and FCRA. 

The other company in question is XXXX ( XXXX ). I have never seen XXXX ( supposedly original creditor ) reported on my credit reports or on public records. Out of no where when I was able to remove fraud accounts off of my report, this account appeared with incorrect information. I have asked XXXX to investigate and they came back every time saying that the account is verified as accurate. This company is also reporting false information on my credit reports which is violation. I asked XXXX to have the company verify how I am affected by natural disaster, but they did not do an actual verification. Why would a furnisher claim that a consumer is affected by natural disaster and not provide proof? I have no knowledge of this account at all.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CA)

I enrolled in this lenses COVID 19 program in XXXX. I was incorrectly hit with a late payment on my credit and drastically impacted my financial situation during these hard times. I have already paid this company the amount that was supposed to be differed and I am current with them. When I made the amount to be current their rep said sometimes during the COVID hardship program late payment get reported incorrectly. Still I am getting the run around and no assistance whatsoever. This should not e tolerated in a time like this because of an employees incompetence.
Consumer complaint received 2022-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

This complaint is to be included with former complaint # XXXX. Please see all previously submitted information. This lender updated my profile to say all payments were paid as agreed on XXXX and then turned around and submitted another 60 days late on my XXXX credit file. They claimed to your company on XXXX they needed more time to investigate. My question is more time to do what? Destroy my credit rating with these bogus claims. All information across all bureaus needs to reflect that ALL payments have been made on time. No late payments have been made. I have all receipts for payments since the start of this nightmare with this lender. I have not included the actual bank statements due to the personal information contained in them. I will once again upload the complaint letter that includes all payments, the update that they just made on XXXX, and the alert that I just received from XXXX with XXXX XXXX bogus report sent to XXXX. Something has to be done about this. These bogus claims need to be taken care of ASAP. All the hard work no matter what's going on in the world ; that I have put forth to not have any late payments and protect my credit and then they continue to bounce from agency to agency destroying my credit is just not ethical!
Consumer complaint received 2020-07-27
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: AMERICAN EXPRESS COMPANY (NJ)

I have an American Express optima recovery credit card since XX/XX/2019, American Express offered me this credit card that time and they send me an invitation to apply as a second chance to rebuild my credit with them telling me that I have to hold this card for at least 12 months before I apply for any other credit card with American Express on a condition that during the 12 months period I have to use my card and make payments on time which I did along the whole 16 months now Now they have mislead me because I have tried to get a different card after this 16 months period of using the card wisely and paying on time and never missed a payment the whole entire 16 months and I got granted other credit cards with other banks provide me benefits. 
Now this American Express optima recovery Card never grant me any benefits and never helped me down the road as it was explained to me that American Express will consider me another type of credit card granting benefits once I have completed 12 months of using this optima recovery credit card. This card is benefiting American Express only.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

I recently received a copy of my ( XXXX, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( American Express ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ American Express ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from my consumer report ( all 3 bureaus ) immediately. 
Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Subject : Wells Fargo Home Mortgage, breach of agreement and ongoing obfuscating tactics. 

Please note, this is a new complaint on the handling of Wells Fargo Home Mortgage loan. 

Wells Fargo Home Mortgage entered into an agreement with myself to defer six mortgage payments as detailed by Wells Fargo Home Mortgage in three separate letters, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attached as Exhibit 1, 2,3 ). Only 4 of those 6 deferments occurred, this constitutes a breach of the agreement. Breaching an agreement is an error, not communicating that Wells wished to alter or amend the agreement is also an error. Taking 6 months to acknowledge that two payments were not deferred is also an error. 

Wells Fargo Home Mortgage is also in error in their response of XX/XX/XXXX, ( Exhibit 5 ) a letter that was sent separately and absent in the formal response of Wells Fargo to the CFPB, ( that states that Wells is unable to provide the CFPB policy that Wells used to justify not deferring the payments because the information requested is considered to be privileged, confidential and/or proprietary information of Wells Fargo . A Federal policy is a public document, and can not be privileged, confidential and/or proprietary. To state this is dishonest and obfuscating. Sadly, it is consistent with Wells Fargos tactic of obfuscation demonstrated in burying the consumer in paper, responding to questions and concerns with partial answers, making costumers stay on hold for hours when calling. 

In researching the sale of my mortgage from Wells Fargo Home Mortgage to XXXX XXXX  and servicing by XXXX XXXX, it was brought to my attention that Wells Fargo profited by having my loan not having the payments deferred, creating a false delinquency. Wells process of obfuscation and failure to return phone calls and emails to keep my loan delinquent to increase the price of its sale is fraud. 

Wells Fargos errors have resulted in my mortgage account being short {$5000.00} and past due to the current. I demand that Wells Fargo Home Mortgage pay me this sum of {$5000.00}.
Consumer complaint received 2018-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Half the problem is I have no idea where this came from or why I would owe money to XXXX College when I had student loans that took care of that. MERCHANTS & MEDICAL Credit is trying to get {$920.00} from me and looks like they or someone else has changed report dates as I went to XXXX  a long time ago and shouldn't owe anything at all. Each time I try to get this verified I get nothing and it just says it has been updated when I dispute. I would like this removed from all of my reports and not sold to another creditor as I feel they have been changing dates to up the drop off time. Account # XXXX
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Hi my name is XXXX XXXX I was very ill and I apply for a forbearance and last year I start my process to start my payments and I qualify for a loan modification I send all the documents notarized and they send it back because it was a problem I fixed and send it back and they tell me to start making payments wich I did I start in XXXX XXXX until present but I dont see my account been fix I call many times but no body help me and I dont know we're the money is going is 6 months I been paying but Fredomorgage don't give me a answer every one has different excuses and explanation please help me my number is XXXX XXXX thank you