davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MN)

This is about an escrow error that resulted in a county tax  penalty. 

At the time of closing of my mortgage on XX/XX/XXXX, a prorata portion of two county tax bills ( {$1400.00} and {$2500.00} ) was collected for the period of XX/XX/XXXX ( date of closing ) through XX/XX/XXXX. Additionally, 4 months of escrow was collected at closing for these tax bills, and monthly escrow was based on both of these tax bills. 

A total of {$3900.00} was on Quicken/Rocket Mortgage 's " estimated payout '' schedule for XX/XX/XXXX ( this amount is the sum of {$1400.00} and {$2500.00}, both delinquent after XX/XX/XXXX ). The {$1400.00} was paid by Quicken for taxes as scheduled, but the {$2500.00} amount was not, and I was not notified that they did not pay it to the county. Instead, Rocket Mortgage notified me that my escrow was overfunded and returned {$2000.00} ( approx ) to me, without identifying the fact that they had not paid the my tax bill. There was still more than sufficient money in escrow to pay that bill I did mail a check to the county tax in the amount of {$2500.00} to cover the tax, but a penalty of {$260.00} has been assessed which I believe Rocket Mortgage should cover because they collected for the tax at closing, collected for it in the escrow, included it in their payout schedule but didn't pay it and didn't notify me that they weren't paying it. I notified them of the problem and my claim for the penalty amount on XX/XX/XXXX, and they denied my claim on XX/XX/XXXX. They said it was a supplemental tax bill. I did receive a supplemental tax bill ( other than the two listed ) and I paid that. That bill had a different due date. The tax bill in question may have been a supplemental tax bill for the previous owner, but it wasn't for me. If Quicken Loan hadn't collected for it at closing and in escrow and in their payout schedule, I would have paid it because I went online at the county tax records to verify what was due in comparison to what Quicken was scheduled to pay.
Consumer complaint received 2020-06-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$130.00}, {$800.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX  XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Experian I contacted this alleged company early this years and this alleged account was found not mine you Experian removed this alleged account I see again it is being reported again I never got a five day resertion letter from you { by law } this is not my account again please remove account from my credit report thank you
Consumer complaint received 2019-05-16
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. (PA)

Fraudulent account XXXX XXXX open XX/XX/XXXX
Amount XXXX  Fraudulent account XXXX XXXX open XX/XX/XXXX Amount XXXX
Consumer complaint received 2022-08-13
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. (MO)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-27
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. (DC)

The following accounts do not belong to me. My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

1 ) XXXX XXXX {$500.00} 2 XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2022-08-13
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. (MO)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

On XX/XX/XXXX 2021, at XXXX XXXX  PST, a warning alert regarding the chassis issue of XXXX Bmw XXXX came on the dashboard. Call promptly made to XXXX XXXX BMW service center around XXXX XXXX  in XXXX XXXX, CA, but service center was not open. Appointment made for XX/XX/XXXX, Monday for service drop off and the vehicle was dropped off then and a temporary loaner XXXX BMW  XXXX loaner was provided. On XX/XX/XXXX, service advisor informed owner that the car will undergo long term repair since the entire car computer ( DME ) will be replaced ( essentially a pin in the DME was bent, causing electrical shortage and the car was defective since start of lease in late XXXX ) ; it will take at least 15-20 business days since the part is backordered and imported from XXXX. On XX/XX/XXXX, owner requested alternative loaner car since now the repair is long term and asked for an equivalent car in value, especially since lease payment is on a higher priced vehicle. Service advisor stated only have Bmw XXXX and XXXX in stock and they have no control over XXXX XXXX XXXX inventory for loaners. Owner asked for adjustment to lease payment to reflect the actual vehicle used and provided. Service advisor suggested to contact BMW North America. Owner called XXXX BMW Customer Relations on XX/XX/XXXX and XXXX, a representative said this will be forwarded to the Escalation team who will contact the Service Department regarding the car history and response will be one business day. Owner called BMW Customer Relations on XXXX ( XXXX  ) and XXXX ( XXXX ), and there were no updates provided. BMW Customer Relations also could not provide any email confirmation or any written trail

that there were any follow-ups performed by BMW North America.

BMW of North America, LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Customer Relations XXXX
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Good evening, I have tried to delete the bankruptcy included on my credit report due to inaccurate and erroneous information presented on my file. My name is XXXX XXXX and not XXXX XXXX XXXX. In addition, my address is XXXX XXXX XXXX, XXXX California XXXX and not XXXX XXXX XXXX, XXXX California XXXX. The bureaus agencies continue to claim that they have verified the information with the Court but that is completely false ; therefore the record must be deleted immediately from my credit report. Based on the FCRA, any inaccurate or false information must be removed from the credit report, in this case the bureaus lied about verifying the information with the court but the court sustained that they do not report bankruptcy or public records with the bureaus ; therefore, the bureaus are lying or the court is making false claims which I personally believe is not true. The court would never make such a claim but the bureaus do make false verifications to impose their will and damaging my credit worthiness. If you have any additional questions, please contact me at XXXX at your earliest convenience. Thank you
Consumer complaint received 2019-05-16
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: Experian Information Solutions Inc. (GA)

In reviewing my credit report I have determine there has been 3 hard inquiries placed from the same company, a company I have never done business with. I have disputed this with the company and the credit bureau but no changes have been made. 

Company XXXX XXXX XXXX  a hard inquiry was done on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Company : XXXX XXXX, a hard inquiry was done XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I am attempting to refinance my mortgage loan with my current mortgage company and have gotten the run around. Second attempt from Lakeview Loan Servicing LLC is my current mortgage company. However, I asked for a quote and have not received unless I committed to signing a log-in format to see a quote. I asked why, stating thats their process, yet I received many other quotes from other refinance companies. I didnt have to sign or release information before getting information. The Lakeview have my information and I am asking about a simple FHA refinance Streamline information thats no appraisal, down payment, no closing fees, or no credit scores. I wanted to compare the transaction workups with Lakeview. Last six months the Lakeview sent me paperwork in the mail for refinance and didnt fully explain there fees and requirements. I dont understand why Lakeview cant provide me with a decent plan to choose from all my options!!! I am not asking for much, only a proposal estimate is All I want!!!
Consumer complaint received 2022-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (WI)

In XXXX HELOC loan was acquired at National city bank. PNC bank took over National city bank and took over HELOC loan. Loan was paid off in XXXX and was requested to be closed. As the account was closed in XXXX PNC failed to provide a satisfaction letter to XXXX XXXX Wisconsin in the required 30 days. 
PNC was contacted on XXXX requesting the satisfaction letter be sent out as it was past due. After many phone calls and e mails that show entire details the satisfaction letter was reordered on XX/XX/XXXX. 
PNC is in the process of drafting a letter with a complete review of the failure to complete the task that was required to be completed within 30 days. Was advised today that it will take 30 days to receive the letter.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XXXX, Equifax, And XXXX have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (WA)

My home loan was transferred to Ally Bank on XX/XX/2020. I still have heard nothing from Ally Bank regarding mortgage payments to this new servicer. I can not make payments online b/c I have not been provided a loan # by Ally Bank. I can not reach anyone through any of the phone numbers I can find for Ally Bank. The automated line for Ally Bank states that my payment is overdue and that Ally Bank is attempting to collect a debt. I suspect this may be fraudulent activity on the part of Ally Bank.
Consumer complaint received 2021-08-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CFW Holdings LLC (TX)

On XX/XX/2021, I took out a payday loan in the amount of {$800.00} fully intending to pay it back. Due to recently contracting XXXX and being unable to work I have been unable to make the payment. A letter dated XX/XX/2021 was sent to them revoking the ACH debit authorization and requesting they do not contact me for collection purposes. They contacted me via text and I replied back, once again, requesting they do not contact me and that the ACH revocation letter had been sent. I also replied with a screen shot of said letter. They contacted me a second time AND tried to debit my bank account, not once but twice thereby causing further damage to my bank account with NSF fees, {$35.00} for each occurrence. A request was made in the letter for them to contact me via US Postal mail or email, not phone contact was permitted and they have not done either. Only contact was via text message.
Consumer complaint received 2020-07-17
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. (LA)

1. XXXX XXXX- account closed XXXX XXXX, XXXX Paid the account in full due to some hardships the account was closed. I did pay the account as agreed and wrote letters to ask for a good will correction and response was ignored. I have reached out many times and still no answer to the pay and delete because I kept my promise to pay. 
2. XXXX XXXX Account closed XX/XX/XXXX - Paid the account in full due to some hardships the account was closed. I wrote a letter to ask for a good will correction and no response. I called asked but still no response. I have reached out for a pay and delete because I kept my promise to pay.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Back in XXXX I went through Probate, a copy of the order was faxed to the lender at the time XXXX XXXX on XX/XX/2018. A month later the loan was transferred to SLS and I received a notice in the mail stating to pay SLS {$10000.00} which I did not have. I contacted SLS to let them know the situation, I forwarded them a copy of the Order showing I was granted the executor of the estate and asked if they can assist me with saving the home. I was told from SLS to submit documents such as forms they provided and financial information. I faxed the information to them in XXXX and received a letter on XX/XX/2018 stating they received my documentation and need additional information. Over the course of the next few weeks and to this day I have repeatedly faxed my information over to SLS which they keep stating they never received even though I have proof of the fax confirmations. Now when speaking with SLS they are telling me my documents were not submitted 37 days prior to the sale and they can not help me! I have done everything asked of me and I feel like they did this on purpose so that there would not be enough time. The Notice of Default filed ( attached ) stated that the lender, SLS made attempts to reach out, that never happened nor did they contact my mother the borrower because she is deceased, so that right there is another lie. I am now being forced to hire an attorney to see what my legal options.
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

On XX/XX/XXXX I received a notification from my credit monitoring system that a new collection has been reported by Enhanced Recovery Collections for a XXXX XXXX XXXX  account. I was immediately upset about this. I immediately called them and attempted to resolve the account. My conversation with the Enhanced Recovery agent informed me that this account was for an old account from XXXX, and that they had received the assignment in XXXX of XXXX. I informed the agent that I was upset that I had not received any written notifications about this account BEFORE it was placed on my credit report. I was clear that should I have received the written notification that I would of paid it on the spot. The agent informed me that they had not been able to mail anything out to me to inform me of the collection due to the fact that they received the account right as the Covid 19 Pandemic was declared. I was appalled that they refuse to delete this account from my credit report even after they admit they were not able to properly send out a first dunning notice to me as prescribed by Federal and State Debt Collection laws. 

I tried another phone call and tried to again give them a payment in full but they again would not want to commit to removing this from my credit report. I opted to visit my local XXXX XXXX office and pay it in person. This account has been paid in full and I demand a removal from my credit report.
Consumer complaint received 2019-05-30
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. (MN)

Transunion XX/XX/2019 I got a copy of a updated credit report on XXXX account XXXX you claim that the account was verified as accurate. But however the status update date didn't change prior accounts Like XXXX you committed Fraud I do not trust your company so If you don't mind sending me the time and date that you sent this off via XXXX XXXX system what time and date did XXXX reply to you via XXXX XXXX I need Physical Proof. also I'm exercising my rights under THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and PLEASE include a copy of the original contract with my signature attached as you may have committed fraud on this as well!
Consumer complaint received 2019-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (VA)

Company failed after several written request to provide validation of alleged debt. The opening dates are reporting as two separate dates on my cedit file which are innacuate. Under the Fair Credit Reporting Act if they fail to validate in a timley manner they must delete and remove. They failed to communicate after numerous written notifications were sent out. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-23
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: On-Site Manager, Inc. (TX)

On XX/XX/18 i sent apartment agent XXXX {$200.00} for application and administrative fees but did not complete an application - they ran my credit without my permission and also refuse to refund application/administrative fees ( for which no application was submitted ) further, i was promised on no less than three occasions that if my application is denied the {$150.00} admin fees would be returned. 

company name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. XXXX. 

agency they used to run my credit without my authorization : XXXX - XXXX i was informed by XXXX XXXX XXXX on XX/XX/18 that my application was denied, but i did not complete an application nor give them permission to check my credit. then they said that i would not get the XXXX administrative fee returned as per the fine print in the application, again, i did not complete an application .... 

i have made several attempts to contact their management ( XXXX XXXX XXXX ) ( XXXX XXXX and XXXX XXXX at corporate office XXXX ) but they are avoiding my calls. i contacted XXXX XXXX and they refuse to provide me information as to by what authority did they access my credit. a formal complaint was made online on XX/XX/18. 

their unauthorized access to my credit score had the negative affect of lowering it! and their processing an application that i did not complete fails to give them the authorization needed to proceed administrating it ... 

they refuse to return my calls and refund my fees and explain under what authority did they check my credit ( again i did not complete an application )