davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

XXXX. XX/XX/XXXX I spoke to XXXX XXXX XXXX loan officer ) who helped me get a pre-approval letter for the XXXX XXXX XXXX. 

XXXX. XX/XX/XXXX my home offer was accepted and I started an online application with Rocket Mortgage, inquiring about the XXXX XXXX XXXX. Closing deadline : XX/XX/XXXX. 

XXXX. XXXX XXXX helped me gather all required documents from me and my co-borrower ( sister ). During the document gathering process, I was asked about my rental history in which I stated " rent free '' due to the lack of a lease contract. Was informed this was OK and the application was submitted to the underwriting department on XX/XX/XXXX. 

XXXX. Got feedback that being " rent free '' the past 24 months would disqualify me from the loan. I asked XXXX if providing a statement from my brother XXXX primary leaser ) indicating that I have actually been subletting a room and been paying rent for at least the 24 months would qualify me. Was informed yes and immediately provided a signed attestation. 

XXXX. My brother ( not me ) received a call from Quicken Loans the following day to say that statements from relatives would not be accepted. 

XXXX. XX/XX/XXXX Reached out to XXXX and was informed that either a statement instead from the owner/landlord of the residence would be accepted or statements proving rental history. 

XXXX. XX/XX/XXXX I uploaded the signed attestation from the owner/landlord of the residence and emailed it directly to XXXX. 

XXXX. XX/XX/XXXX XXXX XXXX solutions consultant at Rocket Mortgage XXXX reached out to me to tell me that there was no path forward even with the signed statement, in which I suggested I provide statements of rental history for 12 months. Same day I provided all my statements demonstrating consistent monthly rental payments, bank statements showing check withdrawals, XXXX transactions with memos that all reference a rental transaction. 

XXXX. Today I received word from XXXX that the statements provided are " unverifiable ''. I inquired exactly why it isn't verifiable if I had signed attestations from my brother, landlord, and statements of consistent rental payouts which connect all the dots. 

XXXX. They replied repeating that my rent history was " unverifiable ''. 

From beginning to end it seems the goal posts have shifted consistently and there are no clear guidelines to meet loan criteria. Even so, I have consistently provided any requested documents to meet stated criteria. I would be 100 % understandable of the loan denial if there was a criteria disclosed to me right from the start that I could not satisfy.
Consumer complaint received 2021-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

In XXXX of 2019 I became locked out of my equifax website and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. Shady stuff happens in XXXX Florida. Please help.
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
Consumer complaint received 2021-05-24
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$6000.00}, {$9400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$9400.00} -This is not my account.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
Consumer complaint received 2021-03-28
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)

On XX/XX/2021 I sent my initial request for investigation for inaccurate and erroneous errors which shows FCRA and FDCPA violations on my report for investigation. When updated report on XX/XX/2021 nothing was done and had not received any investigation results or recognition that an investigation was being conducted. I am aware that due to the pandemic 60 days is required for an investigation that is why I sent additional letter requesting if the Bureaus went passed 60 days that I would be filing a complaint because they have yet to investigate this information or show proof that they are in compliance with the FCRA guidelines. Being that they have went beyond the time allowed. I am requesting a FULL DELETION of the items presented on the initial investigation immediately! No more time being allowed. REMOVE IMMEDIATELY please have some dignity and do what's right to honor your consumers and follow FCRA guidelines. 

Thank You
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MA)

It took me over an hour to close 2 accounts I had with Citibank. I could not believe the level of obstinacy I experienced trying to talk to three different individuals, one of whom said he was a supervisor who put me on hold for another 15 minutes when I asked to speak to HIS supervisor and then he came back on and said his supervisor was not available.

I am assuming that the two accounts are now closed but I can not be sure because the resistance and stalling tactics employed by all three reps I had the misfortune of trying to deal with was astounding. Continuously claiming to need further verification of my identity they put me on hold most of the hour and fifteen minutes of the call intermittently between ridiculous 'security ' checks. I would never have another card with Citibank and recommend that nobody else subject their selves to the obnoxiousness I encountered today, XX/XX/2022 between XXXX XXXX  and XXXX XXXX
Consumer complaint received 2018-06-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Commercial Credit Counseling Services Inc. (GA)

I contacted Commercial Credit Counseling Services , Inc. dba XXXX XXXX ( XXXX  ) in XX/XX/2018 when I was having trouble paying my business debt. I never missed a business debt payment and wasn't late. However, I was told that they were expert negotiators that could get my business debt settled for a fraction of my balances and " buy me time '' and free up my cash flow. The sales person told me that they charge a total of 2 % of what I owe my creditors, plus 30 % of the difference between what I owe my creditors and what they settle the debt for. I was told that the settlements would be structured over a 5 year period from the time settlement was made with each creditor. They were going to do ACH debits weekly in order to build up a balance in an account they held that was to pay settlements in the future. It was very important that I build up my account with them so the funds would be ready to make deals with my creditors. The representative from XXXX  told me on the phone to stop paying my creditors to open a new bank account and to pay XXXX  directly. 

One month later XXXX XXXX informed me that they " settled '' with one of the creditors. The amount owed to the creditor was {$39000.00}, XXXX  settled for {$27000.00} a 30 % settlement. However, the payback is {$450.00} for 60 months to the creditor. The fee to XXXX for this service is {$390.00} for 60 months + {$15.00} for each monthly transaction + a one time fee of {$3000.00}. Grand total payback to XXXX is : {$27000.00}. 

How is this legal? I hired them to settle a debt for me, not increase a debt by over $ 15K. This is a simple case of fraud. 

In reviewing my emails from XXXX, they purposely avoided using certain words ; however, the phone conversations were quite different. I was misled and lied to. I understand why several states including Indiana, and Oregon has issued this company ceased and desist orders. 

I am canceling the agreement I have with XXXX  and requesting the full refund of every dollar I paid them. I believe and can prove that their deceptive practices void the agreement.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX and Complaint against XXXX, Resurgent Acquisition, LLC, LVNV Funding, LLC and Resurgent Capital Services LLC On XX/XX/XXXX XXXX XXXX  submitted a computer-generated respond to my injury regarding illegal collection of not validated " debt '' where XXXX posed as " original creditor '' for account ending XXXX and LVNV Funding, LLC posed as a current " creditor '' According to XXXX, my alleged loan was originated on XX/XX/XXXX, but XXXX was not able to provide me a copy of my Agreement to pay them, as recorded on their books and records. I demand XXXX to disclose if the loan account receivable was created for my transaction and my payments were deposited on this account receivable, along with a copy of the ledger for this account receivable to verify my payments. Billing statements are not the ledger and are coming from undisclosed to me XXXX XXXX. 

Furthermore, XXXX said that my alleged " loan '' was sold to Resurgent Acquisitions, LLC. I demand XXXX to disclose when my loan was sold to Resurgent, where this transaction took place, the names of individuals who conducted this sale ; and proof of payment for my loan received by XXXX, such as copy of wire transfer receipt, ACH or cancelled check. 

I demand Resurgent Acquisitions, LLC provide me proof of payment made for my loan, sch as copy of wire transfer receipt, ACH or cancelled check, and the name of an individual officer of Resurgent who facilitated this purchase, when and where. I further demand a copy of the account receivable ledger for my alleged loan from Resurgent Acquisitions On XX/XX/XXXX Resurgent Capital Services, LP submitted computer-generated respond where they claimed that the current owner of my alleged loan is LVNV Funding, LLC and Resurgent Capital Services , LP is the Servicer of the Account. 

This respond contradicts with XXXX 's letter where XXXX said that my loan was sold to Resurgent Acquisitions, LLC., not to LVNV Funding, LLC. 

Its unclear to me how LVNV became my creditor and whose account is serviced by Resurgent Capital Services, LP I demand LVNV to provide me validation how LVNV became my Creditor ( and never informed me about it ), and documents in support of their right to file a Claim in my bankruptcy case to collect from me.
Consumer complaint received 2022-04-28
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: CITIBANK, N.A. (MD)

I checked my credit report on XX/XX/2022. My XXXX report showed a hard inquiry from Citibank NA XXXX on XX/XX/2022. I did not apply for this line of credit. I filed a dispute with XXXX on XX/XX/2022 and they completed that dispute on XX/XX/2022, stating that the report was accurate. 
On XX/XX/2022 I called XXXX and was told that Citibank should be able to tell me how this credit inquiry was made without my consent. After 14 phone calls to every Citibank number I was given or being transferred to, I was told that they showed no accounts in my name. 
But no-one could explain how a hard credit inquiry was authorized without my permission. I don't know if this is fraudulent activity or sketchy business behavior?
Consumer complaint received 2018-03-06
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: WELLS FARGO & COMPANY (CA)

My rewards Visa credit card from Wells Fargo was stolen or illegally used on XX/XX/XXXX. There was 13 transactions of a total of {$990.00} used. Unfortunately short after I reported, the bank declined the claim. I reopened the claim with a police report on XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX XXXX XXXX Last 4 digit of SSN XXXX XXXX
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

We had a forbearance period on our mortgage loan due to superstorm Sandy. Ditech has now sent us a letter of default due to us being in that program. 

Our account now shows {$32000.00} in arrears which is impossible. At {$1400.00} per month in interest the total if any would be {$17000.00}. But we are not supposed to be in arrears due to our participation in the Sandy forbearance program. 

During the 1 year period we payed our monthly escrows. Ditech is still stating that we are in arears with our mortgage and they haven't applied our mortgage payments correctly to our account. They have not been applying it to escrows and keep doing escrow advances to cover insurance, MI, and tax payments. I found out this was the reason that we received a notice of cancellation for our homeowners insurance. Ditech was waiting for a managers approval to pay the premium as there was not sufficient funds in our escrow account due to their ( lack of ) accounting. 

Ditech has just transfered the servicing to another lender efeective XX/XX/XXXX which will make this even harder to solve with a company that knows little of what we have went through for the past few months. 

Attached is : 1. A letter from Ditech from XX/XX/XXXX requesting us to sign a mortgage modification for a loan term of 40 years where our address and information was changed to XXXX XXXX XXXX in XXXX, MO. 
2. A letter from Ditech from XX/XX/XXXX addressed to XXXX XXXX XXXX in XXXX, MO when we requested a payment history and why payments were not being properly applied. 
3. A letter from Ditech from XX/XX/XXXX with terms of forbearance program. 
4. Cerificate of Eligibility from NJ Consumer Affairs for Sandy Impacted Forbearance. 
5. A letter dated XX/XX/XXXX we sent to ditech outlining our compaints. 
6. A certificate of occupancy for our home dated XX/XX/XXXX. 
7. A letter from Ditech from XX/XX/XXXX in response from our complaint to the NJDBOI. 
8. A letter from Ditech from XX/XX/XXXX with a notice of default and intent to foreclose.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (VA)

My name is XXXX XXXX I live At XXXX XXXX XXXX XXXX XXXX   va. On XX/XX/XXXXI called Ditech my morgage company and asked them how much is needed to bring my loan current since I was behind on my payments. They gave me the amount of XXXX   cents. I went to XXXX and made that payment using their bill pay process. On XX/XX/XXXX i called ditech again wanting to make my usual monthly payment thinking I am all caught up only to be told by the representative that my payment was not accepted and that we are under foreclosure. I asked for the name of the attorneys office and asked for the reason why was I not alerted I am in foreclosure and why did i not get correspondance. I was not given a reason for either. I called every day since then up untill XX/XX/XXXX asking where is the payment that i gave them for XXXX and what is the name of the law office handling my case. Not once did they gave me answer to either. On XX/XX/XXXX I received a lettwr from XXXX XXXX XXXX XXXX  wanting XXXX for the missed payments and XXXX in attorneys fees. I called ditech and law firm again asking why am I paying this and why am I given a forclosure letter dated for XX/XX/XXXX when they got full payment onXX/XX/XXXX. Since then I have been calling various non profits, ditech and XXXX XXXX wanting to get my money back for XXXX  that was the amount past due so I can make most current payment again and for the XXXX fee to be removed since I paid the balance owed way before this letter was sent. Ditech has been putting me on hours long holds and when they did speak to me it was in a rudest manner but money was never sent nor was I given any straight answers for 1. Why was I not initially notified of forclosure beforeXX/XX/XXXX? Why was my payment not applied and/or why was it not returned on time to me its been over month and a half and why am i paying attorney fees for debt that was paid month before? I feel like they been purposely dragging so the time XX/XX/XXXX comes around they can do a foreclosure and take my home. I have been living in constant fear and there is XX/XX/XXXXchildren under the age of XX/XX/XXXXliving here. All we want to do is pay our mortgage and move on. I was also told by ditech that if i was not lazy I would walk my XX/XX/XXXXto the library and fill out modification papers back in XX/XX/XXXX when I tried to reach them in regards to trying to find a solution to not losing my home. This was another issue before payment was made I requested modification papers at least 4 times and no luck. Enclosed you will find uploads of the letters and proof of payment.
Consumer complaint received 2021-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

THE XXXX XXXX XXXX-XXXX XXXX ACCOUNT INFORMATION IS INCORRECT. ACCORDING TO MY TRANSUNION CREDIT REPORT THIS ACCOUNT HASNT BEEN UPDATED SINCE XXXX OF XXXX. PLEASE UPDATE THIS ACCOUNT WITH THE CURRENT BALANCE INFORMATION. 

I HAVE ATTACHED A PRINT OUT OF MY TRANSUNION REPORT DATED XX/XX/2021 WHICH CLEARLY SHOWS THE LAST REPORTING DATE WAS XX/XX/2021.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My consumer right has been violated by capital one. Due to COVID-19, Ive had the time to do some research, and I the consumer have come across Title 15 U.S.C. I, l am hereby am notifying you, CAPITAL ONE that after all these years of paying my credit card bill in cash/Debit card I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached On XX/XX/2022, I sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to Capital One explaining this to them and demanded that they return all payments made to them, and to accept the coupon/money order payment/discharge in accordance with Title 15 U. S.C. 1692. They have ignored my demands. 

I am asking the CFPB to step in and help to enforce my consumer rights.
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously