davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc. (DE)

I purchased my home on XXXX with Prosperity Mortgage. My payments were listed on the following dates : XX/XX/XXXX {$1000.00} XX/XX/XXXX XXXX My mortgage was then transferred to XXXXXXXX  on XXXX however the XXXX payment for XXXX was not posted nor the information shared with the new company. 

I have been receiving messages that my payment is late and this has impacted my credit score by 35+ points. My 1st payment with XXXX was authorized on XX/XX/XXXX and cleared my account on XXXX. 

When I contacted Prosperity I was placed on hold for more than 10 minutes. The second time I called I spoke with XXXX XXXX # XXXX Employee ID who informed me that no managers were available to respond because it was a Monday. The business hours indicate Monday to Friday on the website so I'm not clear as to why that was the response I received. 

I made XXXX aware of this situation and it now with their cashiering department but in the meantime my credit which I worked diligently to improve has been impacted and this has caused emotional distress. 

The response from Prosperity was unacceptable and did not meet the basic requirements for professional customer service. If this is an oversight on my part I intend to address the issue the expeditiously however is this error is on the part of Prosperity I would like their office to be accountable and investigated to determine if this is a pattern that can negatively impact the credit and lives of their customers unknowingly.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

XXXX XXXX in XXXX managed by XXXX charge a bogus amount on my credit and submit to Genesis Credit Magement they are trying to embezzle from me.
Consumer complaint received 2022-01-11
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. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (PA)

I purchased my first house in XX/XX/2020, regretfully with LoanDepot. During the closing they told me I and the property would qualify for an XXXX loan which we then proceeded to do. Last minute, they said they the property type doesnt qualify because its a condo. ( Its actually a townhouse community with an XXXX fee ) Based on that information I was forced to go conventional, which was very misleading and bait and switch-ish to me. And we had the loan and homeowners insurance set up based on the information they provided ( condo and conventional ). I had signed up for my homeowners insurance to paid from the escrow account, like most homeowners. A year later ( renewal time ) I receive a threatening letter from LoanDepot regarding the insurance had not been paid and needed to be right away. So unknowing I paid directly from my bank account. I then later found out ( from my very responsive loan XXXX ) that I should have never paid directly. I then reach out to customer service which is a sea of transfers to unknowledgeable reps. After weeks, found out that the need a declaration page, which I sent to them via email, fax and online upload. A week or more later, the issue is still not resolved. I then have to call again and spend hours and hours through the sea of transfers and the unknowledgeable reps, because each one tells me something different. Then make me go through the same story for them not to be able to help. So I finally found a rep that could find the many declaration pages I sent and then said the issue was property type. I dont understand how after a year that is an issue AGAIN? I received the letter on XX/XX/XXXX, its is the XX/XX/XXXXand still in the exact same spot. I then called and asked for payoff to refinance with a more customer friendly mortgage company and I was told I would receive that the same day, its been XXXX and still havent received it. I hate paying my money to people that are dishonest with me. During all this, they were still taking mortgage payments instead of rectifying the issues they have created to make my life more difficult and making me lose income.
Consumer complaint received 2020-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

On XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to XXXX XXXX without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (IL)

I was trying to refinance the loan which they approve but they kept putting it back and putting it back and so it wasn't getting done on time when they approved it. So then they start saying that it was late when we were in the process of refinancing it. So it was not my fault that it was late when I was doing what I was supposed to do. They were the ones that were taking their time getting it done
Consumer complaint received 2018-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WI)

I received an email from XXXX saying I have a credit alert. I called them after looking at the subject, private student loan from XXXX XXXX XXXX XXXX XXXX. I asked the XXXX representitive for the phone number. The number I got was for a law firm in California. After speaking with them briefly, they wanted to set up an appointment to speak to one of their attorneys. I declined and thought I would call XXXX XXXXXXXX XXXX. I went to the internet to find their number and the first thing that popped up was from the CFPB. I read the article and felt immediately that this claim is fraudulent. First, I never attended the XXXX XXXX XXXX. XXXX of my children did however. I do not have any recollection of having any loans from XXXX XXXX XXXX and I am fastidious with those matters. After my children graduated they consolidated as best they could all of their student loans including the our parent loans we took out for them. I know both of them are still paying student loans and are timely doing so. My concern that this is XXXX and has shown up on my credit report. I won't take any action until I hear back from you. Thank You!! XXXX XXXX
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

In brief, BSI Financial has failed to make property tax payments due from the mortgage escrow account it manages on my behalf. 

BSI acquired my mortage from the initial issuer with effect XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I provided them with documentation of our homeowners insurance policy and property tax obligations and asked for confirmation that they would make scheduled payments from the escrow account they manage. I did not receive a written response after multiple follow-ups ( see email thread attached ), so called and was told verbally that the next payment, a property tax payment due to XXXX XXXX County no later than XXXX XX/XX/XXXX, would go out on that date. 

BSI did not make this payment, as a result of which XXXX XXXX County assessed a 10 % penalty fee. I confirmed with BSI that they had failed to make the payment and was given verbal assurances that they would make it immediately and cover the penalty fee themselves. Two weeks passed without any response to my request for confirmation that they had done so. On XXXX XX/XX/XXXX a BSI representative stated in writing that they had issued payment to XXXX XXXX County on XXXX XXXX for the tax due, including the 10 % payment which they covered as a separate check. I confirmed through BSI 's web portal that my escrow account had been debited by amount of the original ( pre-penalty ) tax obligation. As of today, XXXX XX/XX/XXXX, my property tax payment including the overdue penalty is still outstanding according to XXXX XXXX County. 

As things stand today, BSI has thus debited my escrow account but failed to pay the property tax due or the overdue penalty incurred as a result of its failure to perform. BSI 's representative has also ignored my repeated requests for a written acknowledgment of the history of this interaction.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (FL)

Attached are documents which show that several payments were made in the month of ( XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with XXXX, XXXX and Experian. The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I paid XXXX XXXX in full on XX/XX/XXXX in the amount of {$42.00} ( see attached bank statement ), this is the only credit card I had with Comenity Bank. I received a statement from XXXX XXXX stating that I have late charges. I contacted them several times in XX/XX/XXXXand XX/XX/XXXX I was told they would investigate this and remove the charges. In XX/XX/XXXX and XX/XX/XXXX and as recent as XX/XX/XXXX only to be told that I owe the late charges. This is affecting my credit score greatly. I also noticed that there are other credit cards from Comenity Bank of which I have no knowledge. I contacted them about this as well as disputed them with all three credit bureaus. Only to see that they closed the account with a balance on them with negative impact to my credit report. I I asked for proof that these are my accounts with my signed application, they told me they could not provide such proof because the accounts were opened online. These are the accounts that are on my credit report from Comenity Bank that I did not open. 
COMENITYCB/XXXX  MC Past Due Amount : {$1200.00} COMENITYBK/XXXX  {$170.00} 100 % usage 5 late payments COMENITY BANK/XXXX  {$170.00} Paid, closed 2 late payments COMENITYCB/XXXX   {$530.00} Paid, closed 3 late payments XXXX XXXX   {$1200.00} Paid, closed 1 charge-off There is also an account from XXXX XXXX that I have disputed with XXXX XXXX and the credit bureaus. I was told the Account was opened online and they could not prove it was mine. I explained that I was a victim of identity theft and fraud they told me I owe the bill. There is a fraud alert on my credit reports and I never verified my information with any of these companies. I informed these companies that I have a fraud alert on my credit reports and that I did not authorize these card on my account. 
Had I applied for these accounts I would have done them on paper with my signature because of being a victim of identity theft and fraud, I would have also included them in my Chapter XXXX to be discharged.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$14000.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

Yard card finances lawn equipment through td bank. I mail my payment through my online account at XXXX XXXX every month. They applied my XXXX payment to the wrong account. I have contacted them by phone and email and they can not straighten out the problem. My account number with yard card is XXXX. The account they credited payment to was XXXX.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (SC)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 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 an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified XXXX dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX   {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX  XXXX XXXX {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, Equifax and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
Consumer complaint received 2022-04-29
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. (SC)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.S.C 1681 section 602 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 an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I paid fees to Quicken Loans to lock-in a 1.99 % interest rate for a refinance in XX/XX/2020 from a 30-year fixed to a 15-year fixed mortgage. I was told this rate was guaranteed until XX/XX/2020. The process for the refinance was terribly slow and XX/XX/2020 passed with no updates regarding the rate-lock expiration. Up to this point, I was pleased with the service I received, although it was very slow due to Covid, as the mortgage banker explained, therefore I tried to be patient. My mortgage banker did state, during the times that we spoke about this, that I could receive a courtesy rate-lock extension. 
On XX/XX/2020, a closing officer called me to discuss a new rate-lock agreement that required me either to pay an additional {$1000.00} or to agree to an increased mortgage interest rate to close this loan. I had not spoken with this closing officer before and I was taken aback at this persons rushed demeanor, especially as no one seemed to rush in the months I waited to close. I was told that the cost to re-lock the rate increased over time and the lender cant lose money. I explained that the expiration of the rate lock was due to their inefficiency, as I had all documents prepared, and questions answered, months ago with no additional items pending up to that point. 
I added that I might consider cancelling, as this process took four months when it was said to be approximately three to four weeks, to my recollection. The officer told me that if I cancel the refinance, I would lose the good-faith deposit that I paid, so I begrudgingly agreed to accept the {$1000.00} additional cost. I tried to invoke the courtesy extension that my mortgage banker offered to me prior to the rate-lock expiration, but I could not get in contact in time. 
I am very upset at this and I am under the impression that they allowed the initial rate lock to expire so that they could charge more than what was originally agreed to under contract. I was ecstatic at the low rate I received, and I was excited for what was to come, but this closing experience tampered with my impression of the company. I have no evidence that this type of closing is a regular practice of theirs, but it sure does feel like it! It has been nearly a year and this still makes me very upset.