davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (VA)

After purchasing a home with a VA loan my wife and I have received a number of refinance letters from American Financial Network Inc. We have never had any business dealing with American Financial Network Inc. and do not desire to. My wife and I both completed the opt out process at optoutprescreen.com, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. American Financial Network Inc. has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX EST. They agreed to stop sending letters. However my wife and I have continued to receive letters from AFN. We filed a compliant with CFPB on XXXX XX/XX/2021. After dragging their feet AFN finally responded two weeks later claiming they would put us on their internal do not contact list. AFN however has continued to brazenly violate the Fair Credit Reporting Act and still to this day ( XXXX XX/XX/2021 ) sends us unsolicited mortgage offers.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (IL)

On XX/XX/2019 diversified consultants started reporting information on my XXXX credit report which I knew anything about. This company had not sent me any correspondence saying that they are collecting a debt and my right to dispute.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEAD MERCANTILE CO., INC. (MI)

The services received from the original creditor we're covered under medical insurance for mental health with a {$0.00} copay medical insurance was billed and then I received bills from collections agency saying I owed money when I didn't see anything because the services were covered
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

XXXX XXXX /XXXX XXXXXXXX XXXX Shellpoint Mortgage Serving We are still filing complaints against the Shellpoint Mortgage Company that has asked for my Bank statement in the months of XX/XX/2018 XX/XX/2018 SHELLPOINT MORTGAGE AND XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXXXXXX SAW ON MY XXXX XXXX XXXX PERSONAL STATEMENT OF MY SSDI DIRECT DEPOSIT. 
DEMANDING AGAINST FEDERAL STATE LAW ASKING FOR MY SSDI DEPOSIT IN THE SUM OF {>= $1,000,000} XX/XX/2018 DOLLARS PAYMENT PLAN ONLY AFTER PULLING MY BANK ACCOUNT INFORMATION XX/XX/2018, XX/XX/2018 BECAUSE OF MY SSDI APPROVAL AFTER 4 YEARS OF DENIALS. 
THIS STATEMENT FROM SHELLPOINT MORTGAGE /XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ! 

CFPB HAVE THIS STATEMENT THAT IS GIVEN TO THE PUBLIC EXPLAINING THAT FEDERAL DIRECT DEPOSIT CAN NOT BE GARNISHED BY ANY BANK DUE TO THE DISABILITY I XXXX XXXX XXXX LIVE WITH FOR THE REST OF MY LIFE. 

AGAIN THE MORTGAGE COMPANIES HANDLING OUR ACCOUNT XXXX HAVE COMMITTED FRAUD DUE TO AND AGAINST ME I AM DISABLE TO TAKE AWAY MY HOME WITH MY FAMILY MAKING US HOMELESS ON PURPOSE. 

WE SHOULD NOT LOSE OUR HOME JUST TO STEAL MY SSDI DIRECT DEPOSIT. 

WE NEVER WANTED TO LOSE OUR HOME BECAUSE I RECEIVED MY SSDI AND THE BANKS FOR OUR MORTGAGE WANTS TO STEAL MY SSDI. 
JUST TO KEEPING OUR HOME.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-07-24
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: CITIBANK, N.A. (MT)

I recently reviewed my credit reports and noticed a hard hit inquiry made by CITI on XX/XX/2019 that I don't recall authorizing. I am a victim of identity theft and regularly monitor my credit reports. I called CITI on several occasions with the attempt in resolving this matter informally and unfortunately i haven't had any success. My most recent call occurred today and like the previous calls the hard hit inquiry wasn't confirmed that I authorized it and that it was made with a permissible purpose. Like my previous phone contact with CITI representative this one was unprofessional and when I was asked to speak to a Supervisor they simply disconnected the phone call.
Consumer complaint received 2018-12-19
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: EQUIFAX, INC. (FL)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX.
Consumer complaint received 2019-10-02
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. (GA)

Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history
Consumer complaint received 2019-07-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

i have a new mortgage loan though XXXX eff XX/XX/19 i contacted then on XX/XX/19 to see if my automatic payment was received and found after talking to XXXX that my account was set up incorrectly, after making the adjustments XXXX accepted my payment ( payment # XXXX ) said the payment would be withdrawn Mon XX/XX/19 from my XXXX XXXX acct by Fri XX/XX/19 the payment of XXXX had not. I contacted them again and spoke to XXXX she stated XXXX transposed my acct # when processing the payment and she ( XXXX ) would reverse the payment posted to my XXXX account ( also reverse the " bad check fee '' amt {$15.00} ) and to call back Monday XX/XX/19 to have my actual payment processed for XX/XX/XXXX. I did call them back and spoke to XXXX for the payment, ( payment # XXXX ) she processed my payment it was to be XXXX however as of today XXXX was taken from my wells fargo account i called them and was tole this would need to be escalated to a supervisor and it could take 2/3 days for a response, mind you my XX/XX/XXXXpayment is still outstanding and another persons payment is still on my wells fargo account, please advise
Consumer complaint received 2017-07-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

The account was closed in XX/XX/XXXX, because they said I was in violation of their rules. Basically, I did n't have enough money in the account at the time of the transfer. That 's fine. The issue is that every month since XX/XX/XXXX, I 've gotten emails from them stating that there are insufficient funds for the transfer. Even though they are the ones who closed the account, they are still trying to withdraw money. I 've made numerous calls over the last few years asking them to stop emailing me and to confirm that they have closed the account. First they said their system would n't allow them to stop emailing me. Then they said they got it to stop, but clearly they have n't. I have lots of records of their emails in my account going all the way back to XX/XX/XXXX.
I need them to stop bothering me with these emails. I do n't want the idea of someone trying to potentially go after money in my account with this. Nothing I 've done has made a difference.
Consumer complaint received 2021-07-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

When we completed the Covid forbearance program, we received paperwork dated XX/XX/2021, which states that my next regular monthly payment will be due on XX/XX/2021. My normal monthly payment is {$1300.00} ( this amount includes escrow ), and I made a payment of {$1500.00}. However, my {$1500.00} payment was applied to XXXX ( should have been XXXX ), so now my account is showing past due. I have called several times over the last free weeks and no one has been able to help me, and Ive been transferred around to multiple departments. I sent an email to XXXX, and I have not received a response. Ive been getting calls from their collections department trying to collect my late payment. I explained the situation to them and they are unable to fix the issue. So now I am being harassed by collections for this supposed late payment. This is unacceptable and needs to be fixed immediately.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (MI)

On XX/XX/XXXX I had realized that L.J Ross Associate 's had put a collection on my account from XXXX XXXX. I had contacted them stating I had never gotten a statement from them that I owed them the funds. Also asking why was this now on my credit report when this bill was owed from XXXX. I had asked for a statement or something to prove that I owed them the funds in question. The women on the other end stated " she could not give me those records '' .So I ended the phone call and decided to contact XXXX directly. The credit agency that XXXX XXXX gave me was not L.J Ross. I believe they are trying to charge me the amount without actually owning the debt.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On or about XXXX of 2021, I applied for a Mortgage re-fi with Quicken-Rocket Mortgage. Once the appraisal was reported I noticed several inconcistencies in the report. Including, comparables used that were not of the same or similar quality as my home, the report was incomplete in certain sections, the appraiser was a trainee.

I reached out to Quicken-Rocket Mortgage based on the instructions of my loan officer to discuss with their Appraisal Relations Dept, who were supposed to be the first line to appeal an appraisal. Without being given the opportunity to appeal the value I was told the report had been reviewed and that Quicken-Rocket Mortgage would let the low value stand. I was transferred to various people no less than 10 times with the offering that it would be taken care of only to again be told the appraisal would stand.

Quicken-Rocket Mortgage failed to explain to me how my site value is determined to be $ XXXX in value when the XXXX County Appraisal District shows my property to be taxed at over $ 38k and that is with my homestead exemption? Its also noted when the appraisal which came in at $ XXXX ( less than 6 months ago ) Quicken didnt seem to have a problem with me moving forward. 

There are no properties anywhere in XXXX with XXXX sf of even undeveloped land selling for $ XXXX, that is just ridiculous even to imagine. As a real estate broker, who actually does this for a living who is also not a trainee, I would like an answer to this question. How did my site value drop that far below an already discounted XXXX County Appraisal District assessment?

Quicken accepted an appraisal report that is incomplete to be acceptable. The entire Data Cost Approach section is left blank.

Quicken-Rocket Mortgage denied me the opportunity to appeal the value given in the appraisal by submitting new comparables or by challenging errors in the report.

Quicken-Rocket Mortgage told me they had not had any communications with the appraiser, however, I was told my the appraiser after I canceled my loan application with Quicken-Rocket Mortgage that he had in fact been contacted by Quicken-Rocket Mortgage and instructed not to communicate with me.

By not allowing me to appeal my value and not giving the appraiser the opportunity to correct errors in the appraisal, Quicken-Rocket Mortgage is causing yet another home belonging to a person of XXXX in an underserved neighborhood, to be reduced in value.
Consumer complaint received 2022-10-06
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. (CA)

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

Account name : XXXX XXXX Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-26
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. (SC)

I had a fraud alert placed on my Equifax credit file that indicates anyone who runs my credit needs to call me for permission. That was not done, and that violates my rights as a consumer and I'm now left with several credit inquiries that I did not authorize. I've reached out to Equifax several times to advise them of my credit file being pulled without my permission.
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

When I first started paying my loan in XX/XX/XXXX, there was some kind of mistake made by in how my payments are applied to my loans. I have 6 separate loans and my initial payment, they said, was XXXX dollars. I have three Direct Plus loans and three Direct Unsubsidized Stafford loans. I called back in XX/XX/XXXX and they said this was a mistake and I should only be paying XXXX every month, which I did. So for the first 6 months of making payments, even though I was paying the full amount, I kept getting notices that I was not paying what I owe, and thus these payments were not counted. On XX/XX/XXXX I ended up paying more than I owe ( XXXX ) so the computer would stop saying that I was past due because the people at FedLoanServicing could not seem to fix it themselves. This did fix the problem, however, when I submitted my Employee certification form in XX/XX/XXXX it was showing that I only had made 5 or 6 payments when I had been paying for almost a full year at that point so should have had around 10. I submitted a request to have my payments re-evaluated in XX/XX/XXXX and they told me the review should be done in 6 months. I called back in XXXX of XXXX and was told it would take another 6 months. I called back in XX/XX/XXXX, one month ago, and they told me that they don't know when it will be done. So now I have 2 years of full, on-time payments and 3 of my loans only show I've made 19 payments, and the other 3 of my loans show I've only made 9 payments. I called again today and they still can not tell me when the review will be done and they will not let me talk to anyone in the review department.
Consumer complaint received 2018-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

I have never lived or been associated with these addresses below : 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 I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : The Bureaus Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : 01 XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : 01 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX/XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open:XXXX Balance : XXXX and XXXX Account Type : Credit card
Consumer complaint received 2019-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Let me begin by stating that I have been a member of Capital One since XXXX and am a satisfied member, however Capital One is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for Capital One to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

I only have one credit card with Capital One that was issued in XXXX which I still currently have and am happy with. 

The unauthorized inquiry was performed in XXXX of XXXX. 

In the event Capital One has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that Capital One remove this inquiry off my credit files. Otherwise, any verification from Capital One will be deemed hearsay and will be admitting that Capital One is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.
Consumer complaint received 2019-07-24
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. (IL)

I have contacted Equifax once again and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of Education/XXXX  and XXXX XXXX XXXX. I submitted a previous complaint with you Complaint number XXXX & the accounts are still being report even after I have sent a police report, put a 7 year fraud alert on my credit files & submitted an ID Theft Report. I have been calling & sending everything they have requested but still no help with only showing the correct information.
Consumer complaint received 2019-07-24
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2019 I received a notification alert about a credit inquiry I immediately looked into it and I found a hard inquiry on my report that I did not authorize. I immediately called the provider ( care credit ) and they confirmed a account being open but they werent able to close it, i had to wait 48 hours. 
On Monday XX/XX/2019 I called and closed the account
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems a collection company has been calling my home and cell phone number repeatedly. I do not owe any debts. They are not honoring the written request to prove a debt and to cease communications. 

I have gone through this with another company and despite sending certified letters requesting proof of a debt, cease and desist phone calls and to only communicate in written form, I still received multiple calls each day to my home and cell phone. I used CFPB and the company 's response was they realized I was not the person they were looking for. I will be pursuing this in a court matter.