davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

We applied for a mortgage refinance with Better.com They gave us a rate lock and charged us for a home appraisal. They sent us a loan estimate. Regularly, our loan estimate and closing cost went up. They said it was because they needed to add more funds to our escrow. We received an email that said we needed to explain why our current mortgage was in forebearance or default. We explained that it isn't and that we have never missed or been late on a payment. We asked where they were getting that information. They said it was on our credit report. We pulled our credit report. There was nothing of this nature on it. They said we needed to contact XXXX and have a 3 way phone call with our mortgage lender to explain that everything was good and up to date. We attempted two times. XXXX said that would return our call when they could reach our lender. This happened two times and we never heard from them.

The appraiser had also visited our home a couple of days after we made application for the refinance. Then, 2 days prior to the expiration of our rate lock, Better said they never received the appraisal and had results from XXXX, so we would have to extend our rate lock at no additional charge to us. The very next day our closing costs increased to over {$16000.00} almost {$8000.00} more than the day before. They said it was because our payoff was higher than expected. It was in fact less than they originally quoted. Rather, they tacked on origination fees and points even after they said we would not be charged any additional fees because it was their fault we were running behind. Our appraiser said they canceled him after he did the appraisal and that they dropped the ball. Better said he wouldn't return their calls. Again, false. I told them to cancel because this was unfair and we were facing false accusations that caused us to not be able to obtain our refinance. They said they would return our appraisal fee of {$550.00}, but they have not done that either. We are frustrated because this refinance would have saved us over {$70000.00} over the life of the loan. We would have gone with another company rather than have them collect our data, photos of our home and hit our credit with a hard pull. They made us turn in a great deal of personal information, knowing they were not doing what they were supposed to to make the loan work.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion should not be reporting a collection/chargeoff in the amount of {$7900.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. XXXX  and XXXX  are reporting correctly. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2021-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX  The Account With ( XXXX XXXX XXXX XXXXXXXX, ( XXXX XXXX XXXX ) XXXX, ( XXXX XXXX  ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2023-01-26
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)

This is my numerous request that you adjust this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-04-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (WI)

Newday USA is purposely withholding my appraisal which came in low I do not want the house if it did not appraise to value and they are holding off on giving me the report for XXXX only knows why. I try and contact them to get blown off and blown off.
Consumer complaint received 2021-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

-- SPS provides contradictory information to Borrower regarding status of forbearance during COVID-19 pandemic. 
On XX/XX/XXXX SPS stated, " You previously indicated that you have been impacted by the COVID-19 pandemic. The existing payment relief provided on your account is coming to and end. '' -- SPS actively disregards requests for forbearance extension as allowed under the CARES ACT.

Multiple requests for forbearance extension have been submitted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), SPS has failed to respond or states that forbearance has ended while providing conflicting information stating that forbearance is " comding to and end '' without providing a specific date on when the forbearance is ending. 
-- SPS actively disregards completed applications for loss mitigation. 
Multiple loss mitigation applications have been submitted and SPS simply responds with vague statements that information is missing, fails to provide detail on what information is missing, or when details of missing informaton are provided, the information has already been submitted. SPS states that signatures are missing or parts of pages are missing when all pages submitted with application are legible and signed where necessary.
Consumer complaint received 2018-04-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (CA)

I have my student loan with XXXX XXXX. This is because of the PSLF program. 
XXXX has been taking unauthorized actions on my account without providing proper notice. XXXX placed my account on forbearance without informing me or obtaining my consent, leading to a decrease in the number of payments applicable to my PSLF credit. Further, XXXX has not kept accurate records of my payments. XXXX does not inform me when it takes actions on my loan, or obtain my permission before placing me on different payment plans or notify me of account changes. Since XXXX is the only provider that administers PSLF, their actions are unfair and discriminatory. If this complaint is not resolved, I am unafraid of taking legal action against XXXX, CFPB and the Ombudsman if necessary to ensure my loan is properly administered.
Consumer complaint received 2021-03-25
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. (PA)

XXXX XXXX XXXX is reporting 2 accounts to my credit report that i do not recognize, i have tried to as them to verify/validate. this debt 4 times and i have yet to receive a signed contract for either account. XXXX has deleted thhem both as thhey are not able to verify/validate this account ... experian delteed one ... XXXX has not deleted. any ... .are. they not supposed to follow suite by law? i need this deleted immediately as they are in violation
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have submitted a letter of cease and desist to Portfolio Recovery on XX/XX/2020 after receiving about 100 calls in the last 6 months, to only contact me by mail communication. I have been constantly receiving harassing calls from this company from different local area codes, I have made them aware of the letter that was sent to them and they have neglected my plea. I recently found out that I am able to file a complaint with the FTC. I have documented numerous calls with times and dates and some of the representatives names to keep for my records : XX/XX/2020 at XXXX XXXX  XXXX XXXX, XX/XX/2020 at XXXX XXXX  XXXX XXXX, XX/XX/2020 at XXXX XXXX  XXXX XXXX XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX. Please help me resolve this situation. I have also requested a debt validation under FDCPA sec. 809 ( b ), and they have failed to respond.
Consumer complaint received 2021-03-04
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. (FL)

I am asking that you simply instantly erase data off of my credit report that isnt mine. I have filed a police report stating that this account is not mine which my character may have been stolen which I have included with this letter. I don't recognize this account and have never caused obligation with this creditor. I don't know where they came from.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION (PA)

On Thursday XX/XX/XXXX, I sent a check worth XXXX to BBVAs check deposit address. My bank is Simple which is serviced by BBVA USA. On Monday, XX/XX/XXXX, I found a pending deposit of XXXX on my account. I initially thought this was a placeholder amount. On Wednesday, XX/XX/XXXX, the deposit posted for XXXX and I contacted them multiple times to rectify this error. I have only been told that it could be many days before resolution. 

This money is time sensitive. I will be default on contracts that may cost me thousands because of this error.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (SC)

XXXX  weeks ago I advised chime That my password and my email address in my phone number on my account kept changing and it was not me who was doing the change so what should I do. Chime advised me to change my password something stronger. So I change my password to something stronger the next day after I change my password I still was not able to login into my account. I advise Chime Once again but I am having problems logging into my account chime Represe. ntative advise me that my account has been XXXX. They advised me that email address and phone number was not the same on my account.Chime advised me that they would have to put in a dispute about the situation they close Out the account and re-issue me a different account so as XXXX was correctly my account including me a new password I was able to log into my account but the following days the situation started again and I was not able to login account and everything that was in my account was gone. I called Chime and told them that my account was changed again and everything that was in my account was gone. So I asked Chime are they going to refund me my money XXXX and Chime told me that I was the XXXX whos causing this problem with the representative advised me that my account was hacked.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

This is in response to complaint XXXX. CMRE Financial responded to my initial complaint yesterday and stated they sent me validation yesterday as well, but failed to respond to my secondary complaint which is that they are not bonded or licensed to collect a debt in the state of IL. By Federal law, if a collection a gency is not bonded or licensed in a particular state to collect a debt, they legally have to delete all accounts from all credit reporting agencies. If they fail to do so, I will be pursuing legal action with my lawyer. This debt will need to be deleted ASAP. This has nothing to do with the validation they are sending me, this is a separate issue. Please advise.
Consumer complaint received 2022-09-15
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. (TX)

XXXX XXXX XXXX  is using deceptive practices & extortion against me. I requested that a late payment be removed from my acct because of THEIR fraudulent reporting. None of what is required by law was done before reporting derogatory information on my report. XXXX XXXX is knowingly breaking the law after my first complaint with no regard to me in our fiduciary relationship. XXXX XXXX has then threatened to close my cards, saying that they dont understand my complaint, which worded simply and plain. They also refused to respond to me through the cfpb which is the median I reached out to them through. I have done all of the verifying that is required by law. I am being bullied and attacked & this is causing me stress and XXXX.
Consumer complaint received 2020-11-12
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. (GA)

For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX, Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Consumer complaint received 2024-01-31
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. (NJ)

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of this account listed IMMEDIATELY! 
XXXX XXXX {$33000.00}
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

My client is XXXX years old and has been working with SPS on a short sale for over 8 months now. When she first started she was told she would receive {$10000.00} relocation assistance ( she has this in writing from SPS ). The HAFA relocation program had already expired ( XX/XX/XXXX ) but SPS failed to update their documentation. Then they told her she would receive {$3000.00} relocation ( she has this in writing from SPS ). In XX/XX/XXXX SPS then advised my client she would not be eligible for the relocation assistance. In addition to getting bad information about the relocation assistance, my elderly client doesn't regularly use technology. SPS is frequently asking for " one more change '' or " one more item '' which has caused her short sale to be delayed. My client 's agent finally asked our firm to assist as they are concerned this woman is being taken advantage of because of her age. I contacted SPS directly and was advised that the only change needed was to remove the relocation assistance on the HUD. We did so and submitted that information XX/XX/XXXX.  SPS policy is that they will review the file in 3-5 days to confirm documentation. When I spoke with the Ombudsman department on XX/XX/XXXX they indicated there were no new notes and they would send a request for an update. I called today ( XX/XX/XXXX ) and was advised that TODAY the file was reviewed, so a decision will be made within 30 days. SPS is out of compliance with their own guidelines and again, taking advantage of my client. They dangled relocation assistance in front of her, now took it away, now they are delaying reviewing her file. Once change was needed, one change was made. We need a decision ASAP.
Consumer complaint received 2022-09-15
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-26
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. (GA)

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
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-15
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus 09/02/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
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