davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

In the middle of XXXX I began applying for a mortgage. I had gotten pre approval letters from 3 lenders for USDA Guaranteed loan. I was approved by Quicken loans had an approval letter, and put in an offer on a house that was to be built. 

Everything was processed, and when I asked for the next step in the process, they told me it was the " good faith deposit '' of {$500.00}, that would be used to pay for the appraisal and roll into the closing costs. I was assured this would be refundable, as the appraisal wasnt going to be done until the home was built. Of course, this was never mentioned until I pointed out that they were not my only potential lender, as I was shopping around, suddenly, they needed a deposit. 
DO NOT AGREE TO QUICKEN LOANS GOOD FAITH DEPOSIT AGREEMENT! 

after 8 weeks, and submitting every document requested, i was told last night that Quicken loans was unable to approve me through USDA financing. My very next step was to ask that the deposit be refunded. This morning I got a call trying to convince me to borrow money or get a gift for a down payment, since my only option was going to FHA loan. When I told them that was not an option, they told me the appraisal had been done, and the money was not refundable. 
The appraisal they gave me and my request for a refund were both dated XX/XX/2019. 

I was adamant that the money would be refundable, and was told the appraisal would not be completed until the home was built. This was only a deposit to continue to process my loan. I was lied to. 

I feel that the lender is a scam, knowingly progressing to a point of no return, then having it all blow up in my face, walking away with my {$500.00}. 

How could I get to this point with USDA financing, only to be told they cant do it. I am aghast. 

Why would a company request an appraisal for a home not yet built, knowing full well they will not be able to finance the loan with the agreed upon terms?
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

I have contacted AWA Collections, this company via phone as well as certified letter to validate my debt. The refuse and use a po box listed on consumer reporting agencies sites to avoid having consumers send certified mail. The day after I spoke with them on the phone they proceeded to make more claims on my XXXX credit report for the debt. The debt listed is more than the original amount. Also the have listed the same debt on my credit report 2 times to make the debt outstanding again so that I have to re-submit a debt validation letter that they will not be able to validate again. They are negatively effecting my credit report and this practice is fraudulent. In case others may have this issue after a XXXX search I have learned that there address is XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX.
Consumer complaint received 2022-02-07
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. (GA)

Source : TransUnion Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Activity : 60 days past due The continue to report the wrong balance on my report. They also continue to report it as if I have not made payment. It continues to increase in date. 

This information below is the actual amount owed on this account. 
Recent Account Activity Date Type Details Status XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid XX/XX/XXXX PAYMENT XXXX Paid
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

the Dept of Education is still showing that I owe {$330000.00}. I have had this paid off since XXXX! I can not get a mortgage or any other credit since this makes my debt to income ratio too high. My life is on hold!
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (FL)

I have an collection account on my credit report that is reporting incorrect information. 

The account is currently being reported by Security Credit Services with an Opened date of XXXX and the amount of {$16000.00}. 

The original Creditor for this account was XXXX XXXX XXXX XXXX XXXX. 

This account was closed as of XX/XX/XXXX I have disputed this information twice now. 

The first time on XXXX XXXX. Advising incorrect information is reporting as the open date is incorrect. 

The second time was on XX/XX/XXXX. XXXX as the open date is still incorrect.
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I took out a loan for a used vehicle with XXXX XXXX XXXX. I have made many payments in person and online. Because I am paid ahead till XX/XX/2024 I want to make principle only payments. I am not able to do that online and when I went into the office I was told I can't make principle only payments there either. That the computer decides. So far, every payment I've made they take out a finance charge. I don't think this is right. 

I was also charged XXXX years worth of car insurance, life insurance, and auto club fee without telling me. When I noticed the additional charges that same day they removed the fees when I provided my XXXX  page from my insurance company. Had I not noticed these charges I would have been paying 2 car insurances. What I don't agree with is my finance balance would not have incured so much finance charges. Those fees were almost {$7000.00}. They issued me a check which I applied to the account but the original bal was calculated with a higher amount and a higher f/c was applied. I feel I'm due the credit and the f/c should be based on the correct amount of the vechicle. 

I'm concerned about the people that are taken advantage of when they do not know they are paying these unnecarsary fees.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-02
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: BARCLAYS BANK DELAWARE (UT)

so I was on the website in the middle of filing out a balance transfer offer of XXXX percent when it kicked me off and when I went back in the offer was gone. I called customer service waiting for a manager and the manager told me she was going to send out convince checks that I can use for the same offers as XXXX percent up to my credit limit I used the manager on the phone 3 times and she said yes no problem at all. so I called back just to make sure and they told me I could only do it up to my cash limit and I said wait a minute the manager said I can use it just like an offer. I was lied to by the customer service manager reps in the Barclays company and they will not honor what I was promised by a manger the call was even recoreded and they confirmed the manager told me that they even have the proof that they won't honor and they basically called me a liar saying that I never filed out the offer halfway which I did and I dont like being a liar they are saying they can't find it which I know I did it and I want this honored just like the manger told it was going to be and the cooperate will not budge and do anything that I was promised by the managers on the phone
Consumer complaint received 2021-10-29
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. (MI)

On XX/XX/2021, I received a letter in the mail from XXXX that the Chapter XXXX Bankruptcy on my Consumer Report was removed. On XX/XX/2021, I opened a dispute with Equifax ( Confirmation number XXXX ) to have the Chapter XXXX Bankruptcy removed, and on XX/XX/2021, they completed the investigation by responding with the following : Public Record Information This section included public record items Equifax obtained from local, state, and federal courts through a third party vendor, XXXX. 

However, on XX/XX/2021, I wrote a letter to the Clerk of Courts for the US Bankruptcy Court for the XXXX XXXX of Michigan asking if they report any public records information to the Credit Reporting Agencies or any Credit Bureaus. They responded with a letter that they do not as it is against the law to do so. 

So this public record information should not have come back as verified, because there is no source to verify it or that's reporting it. 

As of XX/XX/2021, I opened another dispute ( Confirmation number XXXX ) asking Equifax to reinvestigate this information and I have uploaded the same supporting documents which I have included in my complaint with the CFPB.
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (WI)

Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.
Consumer complaint received 2019-07-30
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)

I HAVE REQUESTED FROM EQUIFAX ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, XXXX, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (WI)

Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.
Consumer complaint received 2019-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Our loan thru XXXX XXXX XXXX originated in XX/XX/XXXX and we sold/given to Select Portfolio Servicing in XX/XX/XXXX. From day 1 the informtion was input incorrect. 
SPS made an error when reading and in outting the information in there system. There was a modification that deferred XXXX. However SPS decided to add the XXXX on top of the total prinicpal balance making our loan balance increase by XXXX. Thus has given us incorrect numbers from the first day. I have requested them to fix the issue and even had to file chapter XXXX to avoid losing my home. They give me every reason under the sun as to why I am wrong and they are correct. Nobody says that same thing, they all give a diffrerent reason for the balance being so high.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing this complaint due to the fact that I have made several attempts to get this error fixed on my credit report. I started disputing this particular account on XX/XX/21. Following that letter, I also sent another letter on XX/XX/21, XX/XX/21, XX/XX/21, XXXX XX/XX/21. I have been requesting that this erroneous information is removed from my account due to the fact that the account is stating that it is open and it is a collection account which is factually incorrect. A collection by default is already a closed account and it should not be reporting this way. I have the right to a complete and accurate credit report and it is clear that the way that this account is reporting is a direct violation of the FCRA. At this point I feel like I am being ignored. This error is highly detrimental to my credit score.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (WA)

I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7 years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XX/XX/2017 Original Creditor XXXX XXXX XXXX collection agency Resurgent/LVNV Funding. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX and yet the account remains on my credit file. With the latest news of XXXX XXXX data breach this further backs my complaint. Please advise this collection account be removed immediately.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7  years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.
Consumer complaint received 2019-07-30
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. (ID)

* XX/XX/2019, received letter from XXXX XXXX stating I had been unfairly penalized by the application of XXXX charges when I actually had insurance. The letter had a check attached and stated the remaining balance on my car loan would be waived and the credit reporting agencies would be contacted to correct or remove negative reporting. " No further action required from you. '' XX/XX/2019, I was still receiving collection calls from XXXX XXXX. Emailed and faxed a copy of the letter to collections and received confirmation of receipt but no follow up. 

XX/XX/2019, I called and XXXX team transferred me to collections who told me to fax the credit reporting team. I did and had no follow up. 

XX/XX/2019, same as XX/XX/2019. 

XX/XX/2019, received notification a negative mark had been added to my credit report as the loan was reported as charged off, which is not what I was promised. Called XXXX XXXX went through the same transfer from XXXX to collections and then was told to file dispute with collection bureaus ( who told me to call the bank ) and email credit reporting team. 

In short, no one will help me. The people at XXXX XXXX who have the power to fix this won't even though I have it in writing that all collections will cease, all negative remarks will be removed and any amount due forgiven.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (FL)

sent equifax a letter requesting a credit report XXXX  times, fust received a letter from equifax to get my credit report they want me to send them a copy of my drivers lic and social security card for the third time, this has been months and many calls to get this resolved to no end.i believe they are in violation of the law by not giving me my credit report.They are refuseing to take any online dispute, also they have my date of birth wrong, and added a sr at the end of my name.so at this point i can not get a copy of my credit report to dispute anything.XXXX XXXX  reports a equifax fios XXXX and at equifax site it reports XXXX.
Consumer complaint received 2022-02-25
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. (NY)

I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2015-11-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Eaton Group Attorneys LLC (LA)

About 5 months ago I received a call from XXXX credit saying that I owe {$600.00} and they were a debt collector. I told them I do n't know that company and it seems like if I owe money to some creditor I would be getting bills for it and I never have. She wanted my bank info which I refused to give. She said I would be sued if I did n't pay. I asked for their address and told her to send me documents to prove I owe it. And if I see that I did I would send a money order. She said they could n't do that and I would hear from their lawyer. Well I looked up XXXX XXXX and saw a bunch of complaints and saying they are scammers. So I did n't worry about it. Well today I was left a recorded message that said this call is from Eaton Group Attorney 's and this call is from a debt collector for me to call back. Which I did n't yet. Should n't they show me proof that I owe this. I have no recollection of owing money to this company. I 'm not even sure if Eaton Group Attorney is talking about XXXX XXXX. ( For the question " Which of these best describes you issue ''? The answer is just that they threaten to sue me not that it 's an old debt because I have no idea what it is. ) Thank you
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.