davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (CT)

I was charged incorrect points at my real estate closing by Recovco Mortgage Management Company, they were different than what had been disclosed to me. I was supposed to have been assessed 1.75 % of the loan amount but was instead assessed 2.0 %. The over-charge totals {$870.00}. 

A Recovco representative communicated to me through my mortgage broker that the points would be 1.75 %, and that is the rate that was shown on the first Loan Estimate document provided to me on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ) and then again on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ). The documents were provided to me through Recovco 's on-line XXXX XXXX XXXX XXXX. 

Then I received a 3rd version of the Loan Estimate document on XX/XX/18 ( attached, 'Loan Estimate XXXX 2.0 % .pdf ' ) ) and the points had changed to 2.0 % without any explanation. I immediately communicated the issue to my mortgage broker, telling her the points were different than I had originally been quoted. She set out to resolve the issue with Recovco, though had difficulty in contacting them and I was still awaiting resolution as we neared the closing date.

Finally, without any additional communication from Recovco on the matter, I received a Mortgage Broker Fee Disclosure from them that I was asked to sign that disclosed, among other items, a loan origination fee now set back to the original 1.75 %. So, at that point, I reasonably believed the issue had been resolved. 

When I arrived at the closing on XX/XX/2018 I was surprised to find that the points I had just signed off on on the Mortgage Broker Fee Disclosure ( it is attached as part of the file called 'Letter # 1 7.23.18.pdf ' ) had now reverted to the 2.0 %. Not wanting to delay the closing I went ahead and paid the difference intending to follow up with Recovco afterwards, which I did communicate to the mortgage broker and the closing attorney. 

On XX/XX/2018 I wrote a letter ( attached, 'Letter # 1 7.23.18.pdf ' ) to XXXX XXXX, President Recovco Mortgage Management ( there were no other contacts for customer service issues provided on their website ) explaining the situation and asking that the difference of {$870.00} be refunded to me. I did not receive a response to that letter, so on XX/XX/2018 I sent a 2nd letter ( attached, 'Letter # 2 8.6.18.pdf ' ) requesting a response and indicating that I  would file a complaint with the CFPB if I did not hear back from him by XX/XX/2018. I did not get a response to my 2nd letter either, so am now submitting this complaint.
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Santander Consumer USA Holdings Inc. (MD)

On or about XX/XX/18 I make a cease and decease letter to XXXX XXXX , XXXX Assignee of Santander Consumer USA , INC and to Santander Consumer USA, INC in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe XXXX XXXX XXXX XXXX anything they brought this debt and my account with Santander is closed. 

Can you please assist me further with this matter.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (MA)

In attempting to refinance my 40 yr mortgage to a 15 year mortgage ( Which I believe we were completely taken advantage of during the recession ) declined us stating a lien was placed on our property - with no proof of such a lien even exists. In the meantime my credit report is good and my standing with Ditech is good - always on time. I believe they are deliberately trying to keep us in the 40 year loan solely for shear profit making. Please Help!!!!!
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC (FL)

This number continues to call me at work - 3 times in a row on Thursday XX/XX/16. I told them this was my place of business and asked them to stop calling. The women on the phone stated **I WILL NOT STOP CALLING YOU** The phone # is XXXX.
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (GA)

This problem is with TD Bank. They advertised that I would receive a {$300.00} promotion bonus for doing direct deposits of {$2500.00} in the first 60 days which was done. I opened the bank account on XX/XX/XXXX. The qualifying direct deposits were completed on XX/XX/XXXX. 

The transaction types were described in their statements as DIRECTDEP. Now TD Bank claims that these do not classify claiming that they were bank transfers. I think TD Bank is not honoring its advertisement promises. 

Please make sure that TD Bank honors its commitments and that other customers are not ripped off. 

Thanks XXXX XXXX
Consumer complaint received 2022-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

Good Evening i purchases a used XXXX  XXXX XXXX with a loan obtained through ally financial in the amount of {$16000.00} at 19.6 apr for 72 months with a prepayment penalty. They said they would not change the contract. I understand that it is illegal in all 50 states to put in a prepayment penalty on a auto loan greater than 61 months. THank you
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have one late payment that was reported to the bureau in XX/XX/2016 that i am begging to be removed, besides that one late payment that was sent out to the Bureaus Ive been on time since, I told them the reason I couldnt make the payment on time. Told them I was having financial hardship at the time after my grandpa passed and i lost my job ... I had already contacted capital one with a goodwill letter and they werent willing to change the status nor help me.
Consumer complaint received 2018-08-19
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. (MD)

On XX/XX/2018, I tried obtain a free annual credit report from TransUnion using the website XXXX XXXX XXXX XXXX. My attempts were blocked without explaination. 
I immediately filed an complaint with CFPB against TransUnion for not allowing the consumer to obtain theri reports online. To date CFPB and TransUnion has refused to address or acknowledge this complaint.

I had to submit an written request to TransUnion to get a hold of my credit report. Once I received the report I immediately disputed several inaccuracies. TransUnion reffused to correct or acknowledge all of the disputed information and then refused to sent an updated copy of the consumer credit report showing correction. 

I received TranUnion report # XXXX dated XX/XX/18. TransUnion has refused to investigate and fix the following complaints : Although XXXX is reporting my credit limit to TransUnion. TransUnion has removed the credit limit on my XXXX account with full knowledge without showing this information it affect my debt to credit ratio and intentionally lowers the consumer credit score. 

I again reached out to XXXX and verfied reporting of my credit limit. In addition all other reporting agencies are showing the XXXX credit limit. Therefore, I would like to file a formal complaint against both XXXX and TransUnion for targeting minorites and intentionally lowering their credit scores by refusing to show the availble credit limits intentionally lowering the consmer credit scores.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2018-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (WA)

My loan is with provident funding.

On XX/XX/XXXX my automatic mortgage payment was received by the lender. They returned the payment due to the payment being short based on their new escrow requirements for taxes and insurance. I did not realize the payment had been returned until XX/XX/XXXX. At which time I spoke with a rep, and logged onto their site and immediately made the updated payment.

I know lenders have the ability to accept payments that are short on escrow, and they also have the ability to waive a late fee in a case like this where payment WAS actually made, and fully covered P & I, as frankly escrow as well. The increase in payment is a forecast. After speaking and emailing with the company they still want to charge a late fee of $ XX/XX/XXXX on a payment of {$1100.00}.
Consumer complaint received 2018-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  , XXXX XXXX  XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2018-08-19
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. (MI)

Every credit report ( all 3 XXXX, XXXX  and Equifax ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX  balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after XXXX requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all XXXX bureaus and nothing has been investigated, corrected or removed.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

As of todays date, I have contacted EQUIFAX on multiple occasions regarding the accuracy of a bankruptcy listed on my Equifax Credit Report. On each occasion, Equifax continually states they have verified the Bankruptcy as accurate by using 3rd Party agency, XXXX. 

Therefore, Ive contacted the XXXX  District of Illinois Federal Bankruptcy Court where the bankruptcy was filed and they responded via letter, THAT FEDERAL COURTS DO NOT PERFORM ANY ACTIVITIES WITH CREDIT AGENCIES. To my understanding the sole provider with most accurate & verifiable information of this Bankruptcy is the presiding Federal Court. Therefore, Equifax can not verify any of the data involved in this Bankruptcy without the use of a 3rd party source such as XXXX, XXXX or XXXX XXXX who share and disseminate information whether it is verified as accurate or not. 

According to FCRA, that pursuant Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a Debtors social security number along with their full name and address can be released. Furthermore, per FCRA, all Credit Reporting Agencies are required to conduct investigations of disputed items with Original Provider of the information in question, which in this case is the XXXX District of Illinois Federal Court. 

I formally request Equifax, to comply with the all federal laws by verifying the disputed information with XXXX District of Illinois Federal Court within the allotted time by federal law. If Equifax can not accurately verify and correct any and all errors this information, I l expect the disputed information to be completely removed in the most expeditious manner possible by DELETION from my file.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (KY)

In XXXX of this year, I pulled my credit report and found a collection account for XXXX XXXX College. My id was stolen in 2013 and I 've been battling with that since then. I contacted XXXX XXXX and sent my police report. They rectified the situation. About a month ago, I pulled my credit report and found a collection account for XXXX XXXX for XXXX XXXX. I filed a complaint with the BBB. XXXX  refuses to remove the account. The person I 've been in contact with is XXXX XXXX.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AR)

My mortgage was transferred to NewRez LLC on XX/XX/XXXX. Around XX/XX/XXXX I received a letter confirming the terms, balance, etc of the remaining mortgage. In this form I noted a {$25.00} Fee. I contacted New Rez, spoke to XXXX on XX/XX/XXXX. She advised it was for NSF from the previous mortgaging company, XXXX. She could not provide me with any additional information such as date and details. I advise XXXX I disputed this fee as I have never been notified of such a charge or problem. I sent a letter dated XX/XX/XXXX, stating this fee was disputed and I did not intend to pay it and to advise when corrected. On XX/XX/XXXX, I received a form letter stating they were " working on it ''. On XX/XX/XXXX ( 4 months later ), I wrote to NewRez and advised that I was considering this cleared as they had not responded to my XX/XX/XXXX letter. On XX/XX/XXXX, I received a letter saying they were " working on it. '' On XX/XX/XXXX, I received another letter that they were " working on it '' and on XX/XX/XXXX, received a letter stating " a payment may have been returned... '' for 1 of 15 reasons and therefore they were not correcting this charge. NewRez did NOT provide me with the date of this charge or the specifics. And telling me it might be 1 of 15 reasons is insufficient in itself.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX / XXXX XXXX XXXX WENT ON MY TRANSUNION AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX  XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''XXXX '' XXXX XXXX..
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I called on a damaged item and was fought with for not being able to hear on the XXXX   system nor headsets. I was transferred 10 times and when I got someone in dispute who fought with and since it had lost connectivity from 10 transfers I could not hear at all. 


The Dispute dept would not call me back. Her name was XXXX. 


It is a lousy 5.50 nightmare. 


I can not take any more of this fighting. 


I believe that they wrote this off, but my point is the nightmare of not being able to hear and fought with and bad connectivity and I honestly could not hear them. 


When phones are transferred over and over again, the sound quality is horrible. 


When on a XXXX  system 10 times it dose lose connectivity and a deaf and hard of hearing person honestly can not hear. Why such a fight please. It is not right at all.

I was on the phone for close to 2 hours before getting any help.
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Im writing for help to resolve an issue ( late payment reported to credit agency ) with my Gap Visa card through XXXX XXXX. 

As of XX/XX/2018 I had a {$0.00} balance on my credit card. On XX/XX/18 I made one purchase in the amount of {$64.00}. On XX/XX/2018 ( never received a statement ) I made a payment of {$30.00}. On XX/XX/18 ( again never received a statement ) I made a payment of {$30.00}. On XX/XX/18 wanting to make my final payment to bring my account to a {$0.00} balance I called the credit card company ( this call should be pulled XXXX XXXX  ) to get my balance and to make payment ( again never received a statement ). The automatic system said my account was past due and of course I was shocked so I waited for a representative. I was told that my {$30.00} payment made on XX/XX/18 was considered a partial payment and the minimum payment should have been {$38.00}. ( Since I never received a statement I did not know this ) or I would have made the minimum payment. To make matters worse ( without knowing ) my payment of {$30.00}. made on XX/XX/XXXX was considered a partial payment. With the rep on the phone we made a payment for the full balance. My main concern was that this was not being reported to the credit agencies and the rep said that we should not be worried because according to their system I was only one day late but he advised me to call back customer service to be certain. I called customer service at ( this call should be pulled XXXX XXXX ) as advised only to be told that my account was already reported as 60 days past due and there is nothing they could do about it. This is not right and the bank should update my credit file to reflect a {$0.00} balance and no late payments. I believe this is a bank error and obviously for having only a {$64.00} balance to begin with and my making payments in XXXX, XXXX, and XXXX this should not be reported as late. For all these reasons please help my get my credit report ( s ) to be updated to reflect no late payments.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RELIANCE FIRST CAPITAL LLC (PA)

I set up biweekly payments with an extra amount towards the principle. Reliance First Capital , LLC holds the payment in a " suspense '' mode till the end of the month. I also made several extra payments towards the principle and Reliance First Capital , LLC holds the payment for over 30 days! For example I sent them {$50.00} towards the principle every other week since XXXX and called them in XXXX. They said they were in a suspense hold and did I want the money released? I said it should have been applied toward the principle as soon as it was received. They said that is not their policy and waited until XXXX to " release the funds. '' THIS NEEDS TO BE INVESTIGATED!
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX