davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I had a XXXX ARM mortage on my house that was due for a balloon payment of approx $ XXXX on XX/XX/2021 wiith XXXX XXXX XXXX. Being a busy small business owner, i did not notice the end of term date and noticed it late when the mortage company ( XXXX XXXX XXXX ) holding my note told me that i was due to pay them the entire amount due on XX/XX/2021. I initiated a simple refi loan application with Quicken Loans in anticiaption that the loan will be closed ( Quickly ) in the two to three weeks and i was assured at the time i applied with Quicken Loans that they will be able to handle this quickly. But this was just a start of very lengthy and convoluted process that has now take Quicken Loans more than two months to close my loan. In the meanwhile, my existing loan servicer, XXXX XXXX XXXX has reported me delinquent for being 60 days past due on my mortage. As a result now Quicken Loans is denying me the loan saying that i have a negative credit event as a result of their incompetence to close the loan in time and are denying me the loan. This is crazy and unfair.Due to the incompetence and callousness of Quciken Loans processing team, I am not being held responsible for something i had no control over.
Consumer complaint received 2019-07-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriFirst Financial Corporation (PA)

My wife and I are in the process of buying our first house. We realized the house we were interested in needed some work, so we started looking at 203k loans. We were preapproved through XXXX XXXX and had a locked in interest rate of 3.5 % prior to looking for 203K loans. Ultimately, we started working with AmeriFirst Financial Corp dba AmeriFirst Home Mortgage onXX/XX/19. We were preapproved that day for {$320000.00} and began looking for contractors to perform the renovations. On XX/XX/19 we met with the loan agent in person to complete the loan application. During our meeting, a estimated cash to close worksheet was provided stating that we would owe {$21000.00} at close. We reluctantly signed due to the house we wanted to purchase being a relocation and the seller was getting nervous we could not secure funding for the 203k loan. On XX/XX/19, while I reviewed the AmeriFirst form, I noticed a line item for Loan Discount Points in the value of {$8700.00}. Upon researching the topic, I learned they are not a necessary item, and informed out loan agent that we did not wish to utilize them. Of note, the interest rate placed on the 203k loan sheet was 6.125 %. We were assured that upon completion of the renovations to our home, we could transition to a traditional loan and use the equity built into the house as our downpayment. When confronted about the loan points, we were told they were necessary due to our credit scores and they could not be removed. Yet in 3 months when the renovations were completed, we were supposed to transition to traditional loan and the loan points we purchased would be void. It is clear that this company is pressuring first time home buyers to spend more money than necessary and do not care about helping rebuild credit, as the company touts.
Consumer complaint received 2019-09-27
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. (CO)

Equifax and XXXX are reporting incorrectly a collection in the amount of {$600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the V.A. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the V.A. in any capacity and consequently I was asked to vacate the property. This collection from the apartment complex is false and should not be appearing on my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2023-02-14
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. (CA)

I was XXXX  in XXXX until XX/XX/XXXX. Someone opened accounts in my name fraudulently. I went through XXXX XXXX and XXXX to dispute these and these companies told me to report it to you also. The accounts are as follows XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX XXXX ( I was in XXXX XXXX ) XXXX XXXX XXXX accounts dates opened are XX/XX/XXXX, amount XXXX XXXX XX/XX/XXXX unknown amount, XX/XX/XXXX unknown amount ( also in XXXX for these dates ) XXXX XX/XX/XXXX {$550.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX XXXX  XX/XX/XXXX {$460.00}, lvnv XX/XX/XXXX amount {$660.00} ( these are collections from dates I was in XXXX. Also two XXXX Massachusetts  addresses Ive never known or lived at. I attached my XXXX background check shows my dates I was in XXXX  and how much time I got. To show I was in XXXX. Along with my credit report.
Consumer complaint received 2022-05-03
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. (MO)

In accordance with the Fair Credit Reporting act XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-13
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)

I was involved in the massive data breach from Experian/XXXX  were I just received a settlement pay, also, I received a letter from the FBI that my personal and financial information was found with someone who did not have my permission to use my social security information
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (GA)

Dear CFPB, The actions taken on my account by American Express, were not, and are not, in accordance with their rules and regulations, and are in clear violation of the Equal Credit Opportunity Act. These last minute alleged returned payments of XX/XX/XXXX and XX/XX/XXXX, which they claimed to have relied upon are nothing more than falsely represented online payment information, which appeared nowhere in my account information, prior to my complaint to the Consumer Financial Protection Bureau. 

It was never presented to me by any Customer Service personnel I spoke with, nor was it ever communicated to me, by anyone in correspondence with me during the numerous inquiries I made over this issue. 

American Express has knowingly submitted these allegations, as part of an ongoing effort to further injure me, and deprive me of equality and fairness, in my efforts to establish and maintain good credit. 

They are currently attempting to conceal their use of an invalid evaluation process and scoring system, which they knowingly used against me on XX/XX/XXXX, to unlawfully take adverse actions against me. 

When they committed these acts on XX/XX/XXXX, they knew at that time, that they were making false claims, which were discriminatory in nature, and were on their face, inconsistent, contrary, and in direct conflict with XXXX law, and their previous XXXX thru XX/XX/XXXX evaluation of my creditworthiness. 

In the month of XXXX of XXXX, XXXX XXXX months after obtaining credit card in XXXX ) I applied for and received a credit limit increase on this same card. I also at that same time, applied for and received a XXXX XXXX XXXX credit card from American Express. My total combined credit in that month alone, went from XXXX to XXXX At no point in time during, or after, the evaluation of my credit worthiness, to receive these significant credit limit increases, was this alleged recent information from XX/XX/XXXX, ever mentioned, referred to, relied on, used, or considered by American Express at that time. This is because, it did not exist in my account information at that time, nor prior. 

In the nearly 2 years that I have had this account, I have missed no payments, have had no payments returned whatsoever, nor have I ever been late in making a payment. 

Individuals within American Express have maliciously taken these adverse actions against me, for the sole purpose of denying me the equal right to fair and unbiased use of their credit card financial products. I am therefore requesting that actions be taken on my behalf, and others to end these discriminatory practices.
Consumer complaint received 2019-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

1. After filing my taxes for XXXX and XXXX ; my tax professional informed me that my mortgage company paid my property taxes twice in both years to the City of XXXX, GA. 

2.I also paid an additional $ 60 monthly and was expecting at least $ XXXXx12mnts= {$720.00} back in return. I received approximately {$120.00}.
Consumer complaint received 2018-05-15
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. (MI)

I a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.
Consumer complaint received 2018-05-15
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. (MA)

XXXX XXXX XXXX  for the amount of {$7100.00}. I have disputed this account with Experian, XXXX and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and XXXX
Consumer complaint received 2023-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

Aidvantage Student Loan Servicing XXXX XXXX ( Account XXXX ) I write in regard to inaccurate billing practices of Aidvantage. I was told that they will not participate in SAVE on Federal Loans, have refused reimbursement of overpayments made during Covid forbearance, and stated they will " restart '' my max repayment timeline from day 1. 

With the changes in student loan processing, I questioned my XXXX amount of {$370.00} as it seemed inaccurate. 

Based on my calculations XXXX should be at Total Income : XXXX XXXX XXXX  XXXX ( XXXX ) Discretionary Income XXXX @ XXXX XXXX  XXXX = {$220.00} Monthly I was initially promised forgiveness after 10 years of qualified payments on student loans at inception which was eliminated when XXXX purchased my loan balances from XXXX XXXX. With the new policies in place, I requested a review of overpayments and forgiveness that should lower the balance significantly. Aidvantage stated that they were restarting my timeline of qualified payments and starting over with a XXXX XXXX XXXX XXXX pay plan with an estimated pay off/forgiveness year in XXXX. 

Aidvantage stated they will not participate in SAVE, will be calculcating at XXXX XXXX  XXXX AND XXXX XXXX discretionary income. As a result of my inquiry, I was further penalized with a {$50.00} increase in monthly payments from {$370.00} to {$400.00} that appears to be a discouragement to the lender in questioning their billing practices. 

I requested review explaining that after the passing of my mother, I was left to care for my father who suffers from XXXX. I was forced to move as a primary caregiver and do work full time to help cover his XXXX expense at a XXXX XXXX XXXX He does require XXXX care. Additionally, I am XXXX as well, although not collecting any form of XXXX. I am able to work in my field remotely - however, I do have my own medical expenses as well. 

Below is a breakdown of payments/loans including overpayments that should be credited. 

Loan # Original Amount Repay Date Paid In Full Overpayments Anticipated Forgiveness Date Forgiveness Amount XXXX {$9500.00} XX/XX/XXXX XX/XX/XXXX {$3300.00} XX/XX/XXXX {$3300.00} XXXX {$10000.00} XX/XX/XXXX XX/XX/XXXX {$8900.00} XXXX {$5200.00} XX/XX/XXXX XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XXXX {$11000.00} XX/XX/XXXX XX/XX/XXXX TBD XXXX {$12000.00} XX/XX/XXXX XX/XX/XXXX TBD XXXX {$7800.00}. XX/XX/XXXX {$7600.00} XX/XX/XXXX TBD` I am formally requesting review, write off of balances at 10 years totaling XXXX. 

I have also requested a full refund of overpayments totaling {$15000.00} which Aidvantage stated they are unwilling to do.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (TX)

Applied for checking account already having XXXX credit cards with CITI financial and with no warning or disclosure they did a hard pull on my credit. I would not have applied for the account had I known this. I did take the time to read the fine print before applying and again after the credit inquiry and nowhere does it disclose this.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Schools First directed me to the XXXX XXXX XXXX XXXX. That California state program awarded me {$70000.00} to catch up completely on my mortgage due to covid income reduction. Schools First will not accept the money from the state of California to the point that the State agency has asked me twice to contact Schools First and tell them to accept the money. I have contacted Schools First and they refuse to accept the money to bring my mortgage current. I have been in foreclosure since XX/XX/2022 and have worked extensively with Schools First Loss Mitigation ( called XXXX ) ; they have " lost '' my application more than 10 times, scheduled 4 or 5 short sale foreclosure sale dates, refused to keep me updated, started me over in their process more than 10 times, and added on one ridiculous demand after another ( oh we lost your current bank statement we need 3 months more ), over and over again. All I want is for Schools First to accept the {$70000.00} grant awarded me from the XXXX XXXX XXXXXXXX XXXX and bring my account current.
Consumer complaint received 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. 
I also resent the same letters the following day with my ID and SSN card on XX/XX/21. 
They should have received them by now and I think XXXX is just trying to stall for time b saying that they have not received my ID. Please do not waste time in deleting this inaccurate information. 
I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX and have filed an FTC report. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.
Consumer complaint received 2019-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/19 someone hacked into my wells fargo account - changed my passwords and transferred {$200.00} in 3 different transactions via XXXX - i have never used and did not even know that XXXX was available through my account - i contacted wells fargo the very same day it happened - i then filed a police report with my local police department - i was then told that my case would be sent to the fraud dept and they would tellme if i was going to be able to get my money back - i finally recv 'd a call back on XX/XX/19 stating that i had lost my case. I am at a loss as i do not know what recourse i have at this point
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Pull up a copy of my credit report same there were some accounts that reflect inaccurate and incomplete information and we'll need them removed the following accounts in dispute are listed below in capital letters. XXXX XXXX I have not been late as many times as it is reporting I will post proof in the documents below. There are also two medical bills when I know it's illegal to report my public health information without my consent XXXX XXXX HOSPITAL/XXXX  XXXX XXXX XXXX XXXX multiple late fees are on account 's and several accounts I do not know or never done business with and I will be filing a separate complaint with the police report for these accounts as well.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MARINER FINANCE, LLC (VA)

mariner finance of VA, LLC Keep me coming back to court claim I old payments, trying to get a judgment, I went to court on XXXX XX/XX/XXXX Mariner claimed l old money, my payment is do no XX/XX/XXXX XXXX all my payment are up to date, mariner finance have ME coming back to court on XX/XX/XXXX, out of retaliation I BECAUSE WILL not refinance my loan, I WILL NOT GIVE MY NEW BANKING INFORMATION,
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX XXXX -- " Bank of America XXXX BankAmericard said they never received my payment of {$88.00} due on XX/XX/XXXX and sent on XX/XX/XXXX. This was just discovered today when I went to pay this months bill. I just called and talked to XXXX in NC she said they never received my check payment. So I was charged {$25.00} late fee and {$3.00} interest. Is anyone watching to see if there is an uptick of late payments to this company? Who knows what happened to my payment BUT " Bank of America '' just made a lot of money off my payment that conveniently never showed up. I might have to look into " BIT COINS '' or other forms of payments.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2019 XXXX and Transunion dropped my credit score by 44 points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from XXXX to XXXX and is reporting my loan as a new modification, this is incorrect.