davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

I am in a program with a seller whom I gave a {$6000.00} down payment and a portion of my rent goes towards the principle of the loan/or at closing. My seller now has accumulated {$16000.00} of my cash.I have 3.5 % to bring to closing on my home loan that should be {$110000.00} for the amount financed. The original purchase price is {$130000.00}. The amount paid to seller is {$16000.00}. Bringing my total cost of the price of the home down to {$110000.00}. Additionally, I will pay another {$500.00} for the home inspection. I have been pre-approved through Rocket Mortgage and I am in fear of losing my house because they keep changing the stipulations on me. They are telling me that the seller has changed the price of the house to I {$130000.00}. I have spoken with the seller of the house and he agrees with me that the closing price will be {$110000.00}. Rocket mortgage is telling me that I need to bring {$20000.00} to closing. I only have {$9000.00} in my bank. They initially told me that my closing cost would be included with my loan and that the only thing that I need to bring is less than {$4000.00} to closing. They keep changing the stipulations but refuse to talk to me. I have been refused a supervisor and I have also been reassigned to another loan specialist who refuses to talk to me. I had a meeting to speak with him this morning and wanted to include my dad because he understands finance language. Again the loan specialist refused to speak with me saying that he does not have time to explain things to me and I need to figure it out. Please audit my account, do you have my permission to pull phone calls, and help me. They tell me they do not have time and that I either do what they say or they will dissolve the loan. I need help because my family and I will not be able to close on this loan and we fear being outed to the street. We have lived in this house for three years abiding by the sellers program and we are in good standing with him. Please help us!
Consumer complaint received 2022-03-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (VA)

Veteran 's Untied keeps applying my mortgage payments to the principal instead of my mortgage. They also are charging me additional fees that were from the remodification of the loan. The papers are final and have been filed with the bankruptcy courts. They continue to charge me fees and take it out of my mortgage without my permission and making me still in debt with my mortgage payment. They have done this three times. I have filed a complaint with them that I will not pay any fees that are pre modification because the fees were settled and filed in the courts. They are adding XXXX $ and another XXXX charge for every month.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CO)

Repeatedly call 5-10 times per day and email me 3-4 times per day, at all days and hours. It is extremely annoying!!! Today, for example has been XXXX XXXX  and XXXX XXXX  so far. Yesterday, it was XXXX XXXX, XXXX XXXX, XX/XX/XXXX, it was XXXX XXXX  and XXXX XXXX. It is getting to the point where I want to shut my phone off ; that is how frequently the calls are coming!
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Chase has been holding {$50000.00} of mine " XXXX  '' since XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a wire transfer in the amount of {$50000.00} from my newly opened business checking account ( XXXX XXXX XXXX ) It was being sent to a recipient I had already sent to before from my personal account. The money was taken from my account immediately, but the wire WAS NEVER SENT. ( screenshot attached ) I then received a message from their " secure messaging center '', because it is impossible to speak with a human being regarding this. The message asked for more information, specifically the birthdate of the recipient. I responded with the correct information. 

3 days later I received a response asking for the same information. I responded with the correct information. I received no response. 

At this point I became very concerned with the safety of using Chase for global transfers and asked for the wire to be canceled. I also enlisted the help of my local branch manager who have been spending hours trying to help. It is impossible to effectively communicate with Chase online or on phone. 

FINALLY after requesting over 30 times, the wire was canceled/rejected on Thursday XX/XX/XXXX. I received an email from Chase saying the wire was cancelled " due to a processing issue '' ( screenshot attached XXXX Though the money was taken from my account, it was never sent to anyone, so Chase still has the money. This has been confirmed by the branch manager. 

It has been a week now since the wire was canceled, and they still have not returned my {$50000.00} to me. They have been impossible to communicate with. 

They assigned the case to the executive office where I spoke with someone named XXXX. He was not helpful and did not ask me a single question. He did not reassure me in any way and was generally dismissive. He gave me no clear timeline and as not returned my calls. He said he has until XX/XX/XXXX to respond to a complaint. 

He could not explain to my why the money was taken from y account, the wire was canceled and the money wasn't returned. 

This whole situation seems highly unethical, if not criminal. 
I'm going to default on my tax obligations and other debts without this money. 

The branch managers of Chase have been trying to help me and have made me very concerned. They are are unable to get information, and have eroded my trust in Chase.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Social Finance, Inc. (NY)

I received my new SoFi Financial credit card and have subsequently been issued my now fourth new card due to fraudulent activity on the previous cards. They company did reverse one of the charges before I even knew it was made. There are 2 other charges on my account that are also fraudulent and they have been reported numerous times to both fraud and their customer service department. I received a letter from their fraud department stating they were investigating the claim. They have not put any holds on the fraudulent charges and due to the length of time and lack of protections I have had to make a payment to avoid a mark on my credit. Keep in my I have never used this card and I'm waiting for the fourth card to come and it's all happened in less that 6 months. The phone number that is in the lettter from the fraud department is a line that is never answered and you are detected to leave a voice mail and you call will be returned within 24 hours. I left VM 's on XXXX on XXXX and never got a call back. The number they give is XXXX extension XXXX. Please try this number to verify that what I'm stating is actually a fact. My opinion is that the is an unmonitored line. This company is very unresponsive and my goal is to have these fraudulent charges removed, my unnecessary payment returned to me and then I can close this account as it seems their security is lax to say the least and their customer service rates even lower.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a high credit score. I have debt. When I asked my own XXXX XXXX for a mortgage loan they refused stating TRANSUNION said I have a XXXX score AND credit limits are too high, AND length of time accounts have been established. I have had all my accounts for over 10 YEARS. I have ZERO debt. TRANSUNION is FALSLY reporting on people so they HAVE TO call them to find out why they are making false reports ; when you call its so they REPEATEDLY try to sell you " extra protection and monitoring ''!!!! No other reason and they do NOT correct anything. This is UNLAWFUL and they should be shut down and sued.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$2000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

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

15 US.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 reporting agency if the person knows or has reasonable cause to believe that the inforamation is inaccurate.
Consumer complaint received 2024-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

According to my credit report this account was opened XXXX of 2023. I have never opened an account with the original creditors, therefore this collection does not belong to me. I believe I have been a victim of fraud and someone had opened an account under my name. The original creditors are listed as XXXXXXXX XXXX XXXX. I have never associated myself with this company.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

In XX/XX/2022, I identified the collection on my credit report, and call the number listed to settle the debt, I was told by the agent that they would accept a " Pay for Delete '' for the settlement amount. 

I followed up with a payment on XX/XX/2022 via phone with a debt card. However, since then I have been told by Convergent Outsourcing that they do not offer " Pay for Delete '' per the original creditor, XXXX. I have called back in XX/XX/XXXX & XX/XX/2022 to dispute with no success, Convergent says their recordings don't go back that far. 

I have since filed a complaint with my attorney general, XXXX XXXX in the state of Texas and sent via certified mail with a return receipt advising Convergent Outsourcing & XXXX that they are violating my rights under the Fair Credit & Reporting Act ( FCRA ), by engaging in deceptive practices.
Consumer complaint received 2022-03-28
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-08-07
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. (OH)

Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the Equifax Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new  ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Plus there are about 1000 soft inquries
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (TX)

Dear XXXX  & Experian, I am disputing XXXX XXXX XXXX XXXX ( XXXX  ) # XXXX on my credit report. XXXX  did not have permissible purpose to access my private information that was the used for a fraudulent loan. In order to prove this, I have repeatedly requested from XXXX  a copy of my credit report pulled for the attached loan application. XXXX  repeatedly refuses, labels the requests and CFPB complaints as duplicate, and makes a mockery of the government agency CFPB. I will include XXXX  with this complaint and they will undoubtedly list it as duplicate. Therefore, I am requesting XXXX  and Experian to review the attached undated application and notice it should not have been processed at a minimum. I am also requesting XXXX  and Experian to request the credit report used for loan from XXXX. XXXX  is playing games and doesn't have the credit application. I am relying upon XXXX, Experian, and the attached letter from Experian which states " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute '' .If XXXX and Experian notifies XXXX  who then simply replies back they are reporting properly, is not doing their job per the FCRA act.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) XXXX & XXXX
Consumer complaint received 2015-11-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Reference case # XXXXXXXXBank of America 's reply. On the document they attached to my previous complain it states on page XXXX, under instructions and notice to debtor ( item XXXX ) " The law requires you take certain steps to make sure the decision is in your best interest. IF THESE STEPS ARE NOT COMPLETED, THE REAFFIRMATION AGREEMENT IS NOT EFFECTIVE, EVEN THOUGH YOU HAVE SIGNED IT. ) Step XXXX. If you were represented by an attorney during negotiation of your reaffirmation agreement, you must have signed the certification in Part XXXX - This was never completed by my attorney, Bank of America never had a representative during the meeting with the Judge at that time, nor did First Franklin. That 's why several of the steps were not completed and when they submitted the Foreclosure of the property they stated they were trying to get the note signed again. 

I had my attorney present at that time representing me and was when she presented me with the reaffirmation documents she had me signed them but she never completed them, as you can see no where in any of the documents Bank of America submitted has or had my attorney 's signature or any representative from the court.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX  ( DUPLICATES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DUPLICATES ) XXXX XXXX XXXX ( DUPLICATES ) XXXX XXXX XXXX XXXX XXXX XXXX ( DUPLICATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-28
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-05-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

You can see I have made {$6400.00} worth of payments ( 14 months of {$460.00} XXXX {$230.00} twice a month ) ) and it's showing I still owe {$4700.00}. 

This high of APR should be illegal!! I want this loan paid in full. {$1200.00} is enough interest for the company to earn in 14 months. 


Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Friday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Friday, XX/XX/XXXX Next Payment Amount XXXX
Consumer complaint received 2019-08-07
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. (TX)

I have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

In relation to CFPB complaints:XXXX, XXXX, XXXX. 
On XX/XX/XXXX, I sent a complaint regarding United States Federal Code being violated by Equifax. Within thirty ( 30 ) days, I had not heard a status of investigation or 45 ( 45 ) days. Under United States Federal Code, U.S Code 15 1681i. This is NOT asking for an investigation with the data furnished or using any Automated Dispute System. You have FAILED to produce any results from the investigation dated back to XX/XX/XXXX, where I promptly put you on notice. I demand you correct all details as stated in my written correspondence as stated by law. If you fail to do so, I will file a complaint with the FTC, Governor of Ohio, and Attorney General and pursue legal counsel. If you close this CFPB complaint I will assume you're unwilling to cooperate with federal law, and if you close the complaint saying you are doing an investigation with the data furnisher, once again I will assume you're unwilling to cooperate with federal law. As stated in XXXX.S Code 15 1681i you SHALL by LAW, you SHALL DELETE or MODIFY said disputed items within thirty ( 30 ) days, of investigation and you have failed to do so.