davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied online at Rocket Mortgage by Quicken for a loan pre-approval. I had to give all of my and my wife 's financial information, social security number ect ... Then I was told I was preapproved up to {$390000.00}, which is the amount of the house we were looking at. I asked for a loan estimate prior to giving them any further information and was told that I would not get that until I supplied them with the actual property we wanted to purchase. Since the house we were looking at went into a pending status, we will have to continue our search, but I still need to have an estimate of the amount they are going to charge me for closing cost. Their agent refused to give me a loan estimate. He said it is required for them to have the property address that we are buying. I do not believe this is true because thousands of people do a pre-approval before even beginning to search for a home. I explained to him that the home had gone under contract with someone else and that we were back to the drawing board. We do not plan to spend more than 400K for a home and I asked him to use that figure for the loan estimate form. He again refused. 

This is his email : ( As was stated prior, a full address is needed to obtain a Loan Estimate. Without the full address, a loan estimate can not be issued. Current numbers sent in email, are the closest estimates for the programs you requested & those numbers will change daily until you get an actual home & LOCK in the rate itself. Will be happy to issue you a Loan Estimate once you have a property w/full address. Thanks XXXX Enjoy the day!!! 

Appreciate you XXXX XXXX XXXX | Senior Purchase Banker Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX It is my understanding that if I apply for a loan, which I did, they have 3 days to supply the loan estimate. They pulled a credit report, so the application was done.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-07-15
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. (TX)

XXXX XXXX provided validation of debt with inaccuracies. The card acceptance certificate dated on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX was not my current address. From XX/XX/XXXX - XX/XX/XXXX, my home address was XXXX XXXX XXXX, TX XXXX and from XX/XX/XXXX to current my home address is XXXX XXXX XXXX XXXX, TX XXXX. My email address XXXX XXXX has listed for me is XXXX. This is also invalid. 

I will be filling a copy of the acceptance certificate with my police report.
Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Thanks to my complaint to consumer finance, BOA ( who sold my mortgage to FHA and got compensation ) felt obligated to " help '' by instructing the loan servicer ( XXXX XXXX XXXX XXXX ) to review my case. After sending the usual paperwork and package requested by " XXXX '' I was told over the phone that my loan mod request was denied unless I fork over {$56000.00} to the bank. I just do n't have that kind of money. So I asked that a denial letter be sent to me or my attorney. I 've received everything from " XXXX '' but the denial letter. In fact I just received another letter from " XXXX '' offering help AGAIN. The new offer came with a notice from the court informing me that my house will be auctioned in a few days. Nice strategy from BOA and XXXX XXXX XXXX, but I am still waiting for the denial letter. I wonder why I still do n't receive it ... I guess it got stuck in traffic. Helping me keep my house is not in the bank interest. It 's more profitable to sell the property. These guys were bailed out by the government. They should return the same favor to desperate homeowners. I am not asking for a free house.I have a steady job. All I asked is an affordable payment plan. But it 's impossible for BOA and XXXX XXXX XXXX to provide such help. BECAUSE I COULD NOT COME UP WITH {$56000.00}.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX provided validation of debt with inaccuracies. The card acceptance certificate dated on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX was not my current address. From XX/XX/XXXX - XX/XX/XXXX, my home address was XXXX XXXX XXXX, TX XXXX and from XX/XX/XXXX to current my home address is XXXX XXXX XXXX XXXX, TX XXXX. My email address XXXX XXXX has listed for me is XXXX. This is also invalid. 

I will be filling a copy of the acceptance certificate with my police report.
Consumer complaint received 2017-09-09
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)

Equifax is responsible via poor security protocols for being hacked and revealing my and my wife 's personal information, credit information, SS #, to hackers and identity thieves. This lack of professionalism and regard for what they do has cost myself and millions of other American 's peace of mind that their financial information is secure and all the time involved in restoring said peace of mind.
Consumer complaint received 2022-03-18
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. (NY)

CFPB Write up n 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. 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 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com (CA)

I asked for us to get locked in on 4. % Rate the day we did application also they needed money for appraisal I sended it and now they won't send me a copy I asked several times and I got yes tonight ill send it and yes and they never did I called the number on paperwork all disconnected XXXX XXXX XXXX on web for Lending 3 Inc also paper work I signed same number don't work I spoke with XXXX XXXX and she is answer phone once and ignores her number is XXXX XXXX XXXX XXXXplease help me get what I paid for and what ever else I'm intitled to for this company causing me anguish thank you
Consumer complaint received 2024-03-18
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: ALLY FINANCIAL INC. (IL)

In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I tried to get the free annual credit report from all XXXX agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : TransUnion : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

XXXX : I had to request it via contact XXXX : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, XXXX XXXX
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MA)

I requested that my payment plan and monthly payment amount be returned to what it was before the XXXX forbearance period. I was harassed by continuous email reminders to re-certify my income for IDR plan even though I later found out that this was not required during the XXXX forbearance period. I submitted an IDR income re-certification, and now my payment plan is {$100.00} more than before the XXXX forbearance period and they applied one more month of administrative forbearance to my loans, which adversely affects the number of eligible payments that will count toward PLSF. I feel cheated by FedLoan and their inability to promptly respond to correspondence. In addition, more than three months have gone by since I requested that FedLoan return the payment I made in the beginning of the XXXX forbearance period. I have yet to receive any correspondence acknowledging the request.
Consumer complaint received 2022-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (FL)

On or about XX/XX/XXXX, CREDIT CONTROL CORP issued notice to the credit bureaus indicating I owe {$270.00}. 

On XX/XX/XXXX, I contacted CREDIT CONTROL CORP and spoke with Representative XXXX XXXX who confirmed the date of birth and name on their account records did not match the information I confirmed over the phone. The debt was incorrectly issued to my record. I was informed the record would be corrected, and the credit bureau records would be updated accordingly. 

On XX/XX/XXXX, XXXX issued another notification to me which indicated the CREDIT CONTROL CORP balance for {$270.00} remained on my credit report, and further stated the status of the debt was " seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The debt was incorrectly issued to my record. 

On XX/XX/XXXX, I contacted CREDIT CONTROL CORP again, and spoke with Representative XXXX, who, again, confirmed the date of birth and the name on the account did not match the information I provided over the phone. XXXX informed the matter would be escalated for resolution. In the interim, the incorrectly issued debt remains on my record. 

On XX/XX/XXXX, XXXX called me and requested I email a copy of my driver 's license to CREDIT CONTROL CORP. XXXXXXXX admitted CREDIT CONTROL CORP already had my social security number. I shared with XXXX that I had concerns with emailing my personally identifiable information via email due to a prior data spill and breach. 

I do not have any record or recollection of visiting CREDIT CONTROL CORP or affiliates for any services in person, via phone, or internet. I also do not have any record of providing CREDIT CONTROL CORP with my social security number at any time. 

CREDIT CONTROL CORP delays in expeditiously removing the incorrect information on my credit report has negatively impacted my ability to obtain goods and services where credit is required.
Consumer complaint received 2022-03-18
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. (OH)

Last year in 2021, XXXX Equifax removed a XXXX Bank account from my credit report that was proven inaccurate reporting. I recently checked my credit report and notice the account got reinstated which is in violation of my consumer rights under the FCRA 15 USC 1681i. I request that this account be blocked and removed immediately per violation of 15 USC 1681c-2 ( A ). Equifax is in complete violation of my rights as a consumer under the FCRA and I am seeking immediate action.
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

This past fall I received multiple emails from Fedloan Servicing that I had to re-certify my Income Driven Repayment plan or I risked falling out of good standing for my loan repayments ( even though there continues to be a student loan deferment/forbearance for all student loans due to COVID-related executive orders of the XXXX XXXX  XXXX Administrations XXXX. After multiple reminders, I did what my Fedloan Servicing instructed and resubmitted my information. I have now learned that this is not true, and that per the Executive Order, my payments should return to their pre-COVID levels. By recertifying my payments, due to incorrect warnings from Fedloan, my payments will increase substantially when they are restarted in the coming weeks. As such, I am reaching out to your organization to contact Fedloan Servicing and inform them that their incorrect guidance/warnings violated the Executive Orders of both the XXXX XXXX XXXX Administrations which dictate a return to pre-COVID payments following the end of the forbearance. Fedloan Servicing is unwilling to re-evaluate my loan payments based on this new information. 

Thank you for your help.
Consumer complaint received 2022-03-18
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: U.S. BANCORP (MN)

On XX/XX/XXXX I tried to use my USBank XXXX card, only to discover that it was cancelled. During a conversation with the US Bank representative, it was explained to me that there was a request to cancel the card due to allegedly our move to Texas from Minnesota and a new card was requested to an address in Texas. According to the representative, the request was placed on XX/XX/2022. We, obviously, did not move anywhere. The information given to the US Bank was fraudulent. We were never contacted by USBank and, according to the representative, a new card was issued and sent to the Texas address. The representative would not give us the Texas address. We requested to immediately cancel the fraudulent card and notify us and verify with us, in case any address changes or any other changes on our credit account are done by anybody in the future. We have not received our XXXX statement, so we do not know if any fraudulent charges have been made in our name.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

One of the worst bank I have been dealing with, XXXX bank. 
I been trying to make a mortgage payment due to force insurance placed on my account without any notification, the amount went up, the mortgage department told me not to make a payment till they adjust it, its been over 2 months, I call them every single week the amount has not been adjusted and they started to charge me a late fee plus today they told me they have reported me to credit bureau which I was told will not happen since I am willing to pay. I need help, this will lower my credit score.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS purchased our mortgage from XXXX bank. The entire process has been a complete mess. SLS never notified us that they acquired our loan and we continued to pay XXXX. After months of dealing with SLS, they finally obtained our payment from XXXX but during those months they called me daily demanding I pay a second time and threatening our property. Our initial statement from SLS was full of errors, including material errors in the escrow accrual. I got them to correct the escrow amount and in the process they confirmed they received our escrow balance from XXXX and acknowledged they needed to pay the taxes. Despite this confirmation, SLS failed to pay the property taxes on our property and we received notice from the county. I notified SLS and they assured me the taxes would be paid. I later received lien notice from the county and contacted SLS. They again assured me it would be taken care of. I then went to refi an home equity loan and was notified that the balance was still outstanding with the county and the lien had been sold to a 3rd party. SLS this time said they were researching and one step outstanding was determining who internally was at fault and they couldn't pay until that was determined. As of this complaint, I am still waiting for SLS to pay my taxes. I was told I could pay the taxes myself and SLS would reimburse me to get this resolved but if SLS hasn't paid the county as they promised, why would I take the risk of that proposition. In addition to the tax issue, I received an email notifying me that I was late on payment despite the fact that I had set up autopay. I'm assuming because of the escrow issue, the autopay was turned off without notice to me. As a result, SLS has applied late fees to my account. I noticed on their website that they have also noted me as late payments last year that was solely due to their purchase of my loan as I made all payments on time last year.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Please, see letter below I'm sending for XXXX time to Synchrony Bank XXXX XXXX, FL XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Synchrony threat letters without assigned case number To Whom It May Concern : Dear EXTORTIONISTS FROM SYNCHRONY BANK =. 

I have provided your lousy trained company personnel with dispute letter explaining chronology of events between your XXXXXXXX junk selling company QVC and yourself and yet you are threatening me with alleged balance due that I dont OWE you since XX/XX/XXXX I have returned junk from QVC to QVC  XXXX XX/XX/XXXX ( see attached proof ) and spoke with both QVC  XXXX and your company XXXX  on XX/XX/XXXX and was assured that all charges including your GREEDY finance charges were removed. 

I just got another letter from you that somehow you are not satisfied with your own XXXX  resolve and will now attempt to EXTORT money from anyway. 

Your company is a menace on United States body of business and individuals. You should not perform any business on this land and just close the doors and go away where CRIMINAL EXTORTION is legal. Your lack of business ethics is astonishing. You are making us customers to hold your business affairs as your employees are not educated enough to make research and keep records. Shame on you. 

Please, remove all charges against my name associated with QVC  purchase and return of their junk  sold on their site. 
You are committing EXTORTION against lawful Citizen and that is ILLIGAL in our country. 

XXXX XXXX XXXX : CFPB