davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (ID)

I originally applied for a mortgage with Loan Depot in XXXX. On XX/XX/XXXX, my wife and I selected out of the following 2 options, 1 ) no cash out refinance@ 2.85 % interest fixed 30 year, 2 ) cash out ( approx {$18.00} ) refinance@ 2.99 % 30 year fixed. We selected the 2nd option ( cash out ) and signed all the documents in ink on XXXX XXXX XXXX. The next process took a very long time due to several mistakes on the part of loan depot and their selection of what needed to be signed in ink and what what appropriate electronically. 

My former mortgage with XXXX  XXXX  XXXX  was paid off by loan depot on XX/XX/XXXX. However, the cash out portion was never funded by Loan Depot. I still have no received any sort of answer on how this is being funded ( direct deposit, check, etc. ) or an estimated date as to when. I have been contacting all of my contacts and customer service with Loan depot literally daily. I received a mortgage statement on XX/XX/XXXX for a payment due on the loan as per the terms I laid out in option 2. 

So to recap, my refinance has not been fully funded and yet Loan Depot is charging me interest on this remaining amount not yet funded and they will not return any correspondence. 

I certainly hope you can help me get to an equitable solution with these people.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

We applied for a loan for a Primary Residence Condo in Florida asking for 10 % down and were advised on a recorded phone call by XXXX XXXX on XX/XX/XXXX2021 that this was doable as long as the condo came back as a type A property and not a type B property, which would be 25 %. On XXXX a loan estimate for 10 % down was generated and sent to us and we rate locked and signed. Later he advised if we wanted to meet our closing date he was still uncertain whether it was a type B or A and he would need to start the paperwork with a 25 % estimate until he received a response from his back office stating A or B type. On XX/XX/XXXX an e-mail was sent by XXXX stating it was type A. We kept submitting paperwork requested and near the end, 5 days before the closing, a new loan estimate was generated with more points than we had agreed to and still at 25 % down. We asked to have the rate lock honored and eventually a supervisor adjusted this but told us the 25 % down is the best Rocket Mortgage can do in the state of Florida on a condo and that type A would be 25 % down, type B would be unavailable for a loan. We were basically 'bait and switched ' after we had paid for the appraisal and had our credit scores pulled. I do not know if this is illegal but it certainly is near fraud like behavior to me. To have them request all my personal documents, and ding my credit score on a lie that they would provide a loan at 10 % down and then later on say that was never actually on option is 'truth in advertising ' violation on the initial request as we specified Florida condo and 10 % down, or sale 'bait and switch ' fraud as the salesman knew our intention and strung us along only to change the rules later on. As a result of this lie we are out of time on our purchase contract. The seller had a higher contingency offer so we will most likely lose our deposit, the property and we even already paid them XXXX for an appraisal. If we had known 10 % was unavailable we would have gone with XXXX XXXX, whom we had already started the process but would take 45 days instead of the 30 days we needed and the reason we went with Quicken Loans.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (OR)

On XX/XX/2018, I was notified a credit of {$34.00} was posted to my account due to a fraudulent charge. I never received the credit. I have contacted XXXX XXXX six times and they put out trackers to check why it hasn't posted. To date 6 trackers have gone out for this one issue. Customer service states they can't give me any timeframe and I can't speak with any other supervisor. They state that is policy and I must wait until whenever. I know it's not muchone but I am on a fixed income. I didn't budget for this type of error. It has put a financial burden on me.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late Mark Dated XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

You failed to prove this account is mine and continued collection activity without validation. Your company 's action violates the Fair Debt Collection Practices Act, Fair Credit Reporting Act, HIPAA, and other regulations, resulting in a {$1000.00} fine plus costs. Remove this item from my credit report immediately, or I'll file complaints and take legal action for damages under the FDCPA and FCRA.
Consumer complaint received 2019-05-29
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: CAVALRY INVESTMENTS, LLC (TX)

ftc violation sent inaccurate accounts to the creditors 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 08 XXXX XXXX 08 XXXX XXXX XX/XX/XXXX {$4000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX {$59.00} - XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

Im reporting fraud on my debit cars and the information was stolen and used to send {$1000.00} on XXXX. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Consumer complaint received 2018-02-09
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. (FL)

Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. XXXX, XXXX, Experian this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

I returned an item for exchange ( {$77.00} ) to XXXX  in XX/XX/XXXX The item was credited for the return in the amount of {$55.00} on my statement dated XX/XX/XXXX Shipping and handling fees totaling {$22.00} were applied but I was waiting for the replacement to arrive before I paid anything else. 
The replacement item never arrived but in the meantime they applied late fees and finance charges every month for months. 
They sent me to collection by XX/XX/XXXX and were harassing me with phone calls for several weeks. They coerced me into agreeing to an electronic payment out of my checking account. I thought it would be for only the shipping charge but they did an electronic debit on XX/XX/XXXX in the amount of {$71.00}. 
We finally got someone on the telephone weeks later to investigate the charges. Next thing we knew, a refund had been applied to my account on XX/XX/XXXX for the amount of {$71.00}. 
No communication from the company as to why or what their findings were other than the credit, so we assumed that the matter had been closed. 
In XX/XX/XXXX, I received a new statement stating both CREDIT BALANCE REFUND {$71.00} as well as NEW BALANCE {$71.00}. This did not make sense. 
I called ( with the help of my daughter, who has Power of Attorney ) their Customer Service department on XX/XX/XXXX and spoke to three different people. The first person ( I believe his name was XXXX  ) said yes, he could see the problem on the account but couldnt help me. He transferred me to someone named XXXX who informed me that the refund was a mistake and that we still owed the balance but could not explain what that mistake was or why this would be true. 
Over 45 minutes later I was transferred to someone named XXXX ( Badge # XXXX ) who still could not help me. As a result, we sent written PoA information with a letter confirming details of the dispute in XX/XX/XXXX. 
Within a month ( XX/XX/XXXX ) I received confirmation that they had received my dispute and said they would notify me of their findings. I heard nothing. 
The bills continued to come in each month with no other communication. 
Now the latest bill ( dated XX/XX/XXXX ) has ballooned to {$270.00} and they are again threatening me with collection for an item that was returned for exchange and no replacement ever issued. 
In XXXX, I offered to pay the original shipping fee of {$22.00} but they will not respond to me other than sending more invoices. I do not want to pay until I have it in writing that they will close this matter permanently once the original shipping charges have been paid.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (NY)

I was charged an overdraft fee for a purchase of {$210.00} initiated on XX/XX/XXXX and posted XX/XX/XXXX. On Tuesday, I also received via direct deposit my tax refund of {$2800.00}. On XX/XX/XXXX I initiated a transaction for {$2000.00}, which posted on XX/XX/XXXX on that same day i was paid around 1,000 dollars. On both  occasions I was assessed an overdraft fee for pending charges and during both times those funds from my transactions was not held/removed from my account on the Citibank app. So when i went to look at my account before i made another transaction I thought I had more money in my account than was actually there. During that week I had pending credits that would cover any " overdraft ''. Citibank charged me two overdraft fees for pending purchases ignoring the pending credits that was on my account.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (DC)

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX, DC XXXXXXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXXE XX/XX/2022
Consumer complaint received 2022-04-29
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: Synovus Bank (OK)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2018-02-10
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. (IL)

state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS  these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

I continue to make payments on all my accounts and had only a few XXXX XXXX XXXX  charges, However with the XXXX raising Rates my Finance Charges sky rocketed to 29 %! I am filing this complaint to seek some relief or I must stop Payments I can no longer afford! It appears that Finance Charges are being included as 'Purchases ', which increases my payment. XXXX and American Express are the main XXXX and refuse to provide any assistance ; American Express " XXXX : XXXX XXXX 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
Consumer complaint received 2022-04-29
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : 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 an account without my written instructions
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

Refused a completely entitled chargeback. 

Our flight was cancelled in XXXX. I was unable to reach XXXX for several days after this. They refused to provide details or confirmation of a proper refund. They offered a physical ( Paper ONLY ) voucher and insisted I drive to their XXXX XXXX XXXX office to pick it up. Of note, I live in XXXX and XXXX was in the MIDDLE of a pandemic as THE US hotspot for cases. When I asked for a cash refund they refused to provide any confirmation of this outside of a verbal one " call back in a month or two to check on the status ''. I initiated a charge back on my card. Chase overturned this chargeback after XXXX simply attached their user agreement with nothing else. I appealed, XXXX then apparently sent them information implying I was given a voucher, which is a lie, fraud, whatever you want to call it. I have received no communication from XXXX for months, and speaking with someone for a refund is impossible as this juncture. I am still out XXXX dollars for a flight which they cancelled and refused to give me a refund for. 

Specific to Chase itself. They provided no details as to why the issue was overturned. They simply sent me a copy of the XXXX " terms and conditions '', the DOT and FTC guaranteed that airlines must reimburse flyers for cancelled flights. Chase didn't care. Chase also failed TO INFORM ME of losing my case, they merely inserted an XXXX dollar charge onto my account. Importantly they inserted that charge ON A PAST STATEMENT. I had to look back a month in order to find this charge. 

They refuse to " reopen '' the chargeback case. I was originally told to send a secure message which I did. That message " expired '' on XX/XX/XXXX, they never reopened my case, and failed to provide me with details of this.
Consumer complaint received 2022-04-29
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : 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 an account without my written instructions
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

I opened credit charge account with XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I made a purchase with XXXX XXXX XXXX XXXX in the amount of XXXX and received promotional rate with 0 APR for 12 months. They offered me deferred interest for 12 months if I paid my purchases in full by the end.. My promotional purchase expired on XX/XX/XXXX. By that time I paid my balance by 50 percent and my ending balance was XXXX. On XX/XX/XXXX XXXX XXXX   charged me deferred interest to my original balance of purchase in the amount of XXXX. I was not aware that creditor charges interest to the original balance of my purchase regardless what amount has been paid off. They charged me 29.99 percent APR which is ridiculously high and almost doubled my ending balance. As of XX/XX/XXXX my new balance was XXXX. I contacted XXXX XXXX and asked them to reduce my deferred interest since half of original balance has been paid already by the end of promotional rate. They advised me that if I pay my balance within 30 days, then the deferred interest will be removed. I made two additional payments during billing period to reduce my ending balance as much as possible. However creditor applied only one of my payments to my XX/XX/XXXX statement and charged me additional interest in the amount of XXXX. I contacted XXXX XXXX again and asked them why they did not apply my 2nd payment to my statement. They stated because the statement was generated before they received my 2nd payment. They did this in purpose in order to charge me more interest. This is deceptive billing practice from XXXX XXXX and they stated they are unable to adjust interest since they have to follow Federal regulations and I signed a legal contract with them. I feel that XXXX XXXX disrespects their customers and they charge a high interest after promotional rate expired because of their deceptive billing practices and deferred interest policy.
Consumer complaint received 2022-04-29
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. (NY)

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
Acc # XXXX XXXX XXXXs XXXX Acc # XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXXXXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXXl XXXX Acc # XXXX XXXX, XXXX  Acc # XXXX, XXXX, XXXX, XXXX XXXX  XXXX U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep concern regarding the unresolved inaccuracies on my personal credit profile. Despite my repeated requests, there has been no satisfactory response from your end. XXXXXXXX XXXX XXXX XXXX XXXX