davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I XXXX XXXX Have Received a Loan from XXXX on XX/XX/2021 they have not even received the first payment yet and they automatically sold the loan to another company and my original rep will not even pick up the phone. After everyone set me up the loan was approved no one wanted to help. I was stuck and my service rep new I was stuck without a house. I had a pre approval for 3.99 % and Last Minute a week before closing escrow they told me I was not approved and charged an extra {$30000.00} and raised the interest to 4.89, They Knew I could not back out because I has already had paid a {$30000.00} contingency which is non refundable. I really wish they never gave me a preapproval. I could not sleep at night because of the way they set me up. I would talk to the Loan officer everyday so he knew me very well. The payment they showed doesnt match what they told me and emailed me on paper. I was also told that I would receive a check for all of the over payment I made and still havent. The house I purchased was for {>= $1,000,000} in reality with closing coast they charged me almost {$100000.00} For closing that is straight getting robbed I understand people need to make money but there was no honesty. I am a little bit old fashion and I trusted what the loan person told me but now im the one getting handed to from all ends. The money in escrow shows XXXX, but XXXX has can canceled and put a stop payment for XXXX and when I asked the Rushmore rep could not tell me, the question is where my money went and why is my loan much higher. I have paid for the whole year of full coverage insurance and still getting charge. In This loan Amount I has been charge twice for things that have already been paid I believe it is Rushmores fault for taking new loan they have no idea about. Rushmore rep told me to call XXXX  and resolve it. In the loan the three months taxes were paid up front so the first three payments are supposed to the lower than XXXX in reality if everything was really paid up front which XXXX didnt, the first 3 months payment is XXXX. XXXX has to Put the XXXX back into escrow why are they stopping payments on what was paid and in the loan. Also XXXX which XXXX could not closes on time my reps XXXX XXXX and XXXX XXXX that they would reimburse seems like also the put on the loan. I want to see the trace of where all the money went. This Loan amount is the wrong amount they still charge me for the things I already paid for like appraisal, insurance, tax and other fees I want you guys to go over it and fix their mistakes. If Rushmore wants to take responsibility for the loan I need answers as soon as possible so I know if I need to take legal action this in not my first loan but first time dealing with two mickey mouse companies. I have already reported to the Consumer Finance Protection Bureau and ready to take a lot more steps.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AL)

1 ) TAXES FOR XX/XX/XXXXWERE NOT PAYED! 
2 ) AMOUNTS WITHIN LOAN ARE IN DISPUTE! NEED COMPLETE SERVICE FILE!!! 
3 ) LAST MORTGAGE STATEMENT PRIOR TO THE ONE I RECEIVED FOR THE MONTH OF XX/XX/XXXX, WAS DATED XX/XX/XXXX, NOW I HAVE WRONGFUL LATE CHARGES ADDED TO MY ACCOUNT. FAY DID NOT PROVIDE MORTGAGE STATEMENT FOR XX/XX/XXXX, XX/XX/XXXX, NOR XX/XX/XXXX. BLATANT THEFT AND VIOLATIONS CONTINUE!!! SEE ALL OF MY PREVIOUS COMPLAINTS. 
4 ) PAYOFF REQUEST DID NOT MATCH TOTALS WITHIN LOAN. 
5 ) XXXX FROM XXXX AND FAY DID NOT MATCH TOTALS PAYED ( ONCE AGAIN )!!
Consumer complaint received 2021-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I do not have knowlege of this accounts and i want them to be removed from my credit. These are the accounts : 1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi My situation is much complicated and I tried everything I can to resolve it with the debt collectors and company, I have 4 closed accounts Capital one, XXXX, XXXX  XXXX and XXXX XXXX, a total debt not exceeding XXXX, these accounts were open with my identity 2 years ago, I was not aware of them, they were actually being paid on time for the first 3 or 4 months, then stopped, I came to realize that my Brother who looked exactly like me was responsible for these accounts, I was not aware of it at all and I did not give permission to my brother to open these accounts! I tried disputing these with the bureaus and they are not showing any kind of effort or knowledge or even care, they are determined to collect these debts, I even tried paying some but eventually I realized that Im not responsible for this! Please help. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
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. (SC)

Hi i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....
Consumer complaint received 2021-06-08
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. (SC)

Hi i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS has once again changed the terms of the note I have filed two complaints last year CFPB case # XXXX and # XXXX This was resolved and now this year they have changed my interest rate from 3.125 % to 11.625 % I will attach a copy of my note to this complaint if possible
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: EQUIFAX, INC. (IL)

Dear XXXX XXXX, Equifax and, XXXX Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX XXXX including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my EQUIFAX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (FL)

derogatory remarks for something which I had no control over, these need to be removed from my credit report and satisfied due to a worldwide pandemic, my credit score was XXXX before the covid disaster.
Consumer complaint received 2021-06-02
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: FIRST MIDWEST BANCORP, INC. (NY)

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft FST MDWST BK Account Number : XXXX This is not mine. 

2. Identity Theft FMXXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX CRED Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX BNK Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

I have purchased exercise equipment from XXXX XXXX XXXX TD Retail Card Services XXXX where it supposed to be interest free for 3 years at a monthly rate of {$42.00} per month due on the XXXX of every month. The first payment that was due was on XX/XX/XXXX. I have faithfully made every payment before the due date but they have been adding late charges on every month because I have not paid them more than the agreed {$42.00} per month. In XXXX they added at {$38.00} late fee for something that was not late. Every month since then, they have been adding the same late fee because. They claim that I owe {$140.00} in late fees which I do not. I have the following cashed checks : Here are the posted paid dates on the checks from my bank : XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
I want them to remove all of the late payment charges effective immediately and reverse the bad report to the credit bureau. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for them to resolve it but they still have not. They also reported to the credit bureau that I have not paid late payments. 

Sincerely Mr. XXXX XXXX
Consumer complaint received 2024-02-05
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. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2024.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (WI)

On XX/XX/2023 I went on a vacation stayed at at hotel. The money was taken off my card. Then on XX/XX/2023 I have a new charge for the same hotel. I contact cash app and ask what's up. They told me now that between XX/XX/XXXX thru XX/XX/XXXX ... the have been having technical difficulties .... and claimed my money was taken Put back taken put back and then taken. But yet no where on my statements does It say it was ever put back once bur taken two times.from my account. And I said you do not have permission to take any of.my money. Amd now.refuses to even give me any back. They stole my money!
Consumer complaint received 2024-02-05
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. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2023-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc. (NY)

They are refusing to allow me to order a new card Denying some transactions " for my protection '' And now there is a transaction I made yesterday that's was finalized for a smaller amount than the hold and they are refusing to put the balance back talking about the hold is gon na fall off in a few days when by law once it's finalized they must release that hold and return the balance of my funds and they are refusing to do that and telling me via chat they can't provide any information on the only transaction that's missing which is the same one that was finalized this morning and the funds not returned to my account
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

My father gave a check of to cover my college expenses that I have just started in XX/XX/2021. The check was for {$50000.00} I deposited the check on XX/XX/2021. They told that the money would be available on XX/XX/2021. Couple of days later I was surprised to receive a letter on XX/XX/2021 from Chase bank telling me that they would close my account. XXXX XXXX I received a cashier 's check from Chase bank for the amount of {$640.00} I was surprised that they ignored my deposit of {$50000.00} completely. My father and I who has the same problem with Chase started talking and claiming with Chase bank even when my dad provided them with ever proof possible to validate the check. All has been in vain with my money holded back for no credible reason, this is not fair and this not how a bank like Chase should treat its customers. I need my money urgently because I have no other way to my tuition fees. I want to remind you that I am student at XXXX College XXXX XXXX and XXXX and my father issued the check so that I can continue my school but they put a hold in the deposit of {$50000.00} without explanation. 
The check as I was told by XXXX XXXX XXXX was cleared and cashed but yet they have not sent my money back. I urgently need the money to pay my school.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Have had wild fluctuations on my credit score for no apparent reason. My balances are low, I have a long credit history and no delinquencies. Nonetheless my XXXX XXXX credit score dropped 57 points this month. This continually happens to me. My credit score went from XXXX to XXXX with no apparent reason. Equifax reduced my credit score from reduced my score 53 points to XXXX. All my credit factors remain positive. 99 % PAYMENT HISTORY, 19 % CARD UTILIZATION, 0 DEROGATORY MARKS. Just not fair that these credit agencies are playing ping pong with my credit score.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2022-01-13
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. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise Collection Service has placed on my credit report a Collection account without notifying me. I contacted them and they said that they were collecting on behalf of XXXX  and that they emailed me and sent a letter to my home. We could not located the email and a letter was never sent to my home. They refused to resend it. I contacted XXXX  regarding any bill that I had and I paid them directly. I was advised by XXXX XXXX at Sunrise  Collection Services that the negative credit would be removed by XXXX. They would not provide this in writing, therefore I am not comfortable with the promise of deletion.
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Stearns Ventures, LLC (CA)

I closed on XX/XX/2019. 

1. Stearns/XXXX have determined that I have overpaid {$310.00}. They sent me a letter saying a check for {$310.00} was attached to the same letter, but I did not find a check in that envelop. 

2. Closing costs include payoff of 3 credit cards -- XXXX {$400.00}, XXXX XXXX XXXX {$32.00}, XXXX XXXX {$100.00}. As of today, the title company has neither paid these credit cards out of escrow, nor did I receive a check for the sum of these three amounts. The title company is in the same city as my mailing address. 

I contacted Stearns, XXXX, title company. No response from Stearns, XXXX. Title company initially told me to wait, and then stopped replying to my email. 

-- I am attaching two documents. 

Document 1 - shows a credit to me in the amount of {$310.00} but I still do not have this. 

Document 2 - on page 2 of the PDF, there are three lines listing the credit card payments that I have already deposited into escrow.
Consumer complaint received 2021-06-08
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. (GA)

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor XXXX XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor XXXX XXXX- - Open date- XX/XX/XXXX 3. XXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1.XXXX XXXX- Inquiry date- XX/XX/XXXX 2. XXXX XXXX- XXXXnquiry date- XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX 4. XXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX 7. EQUIFAX MORTGAGE SERVICES-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-06-08
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: BARCLAYS BANK DELAWARE (FL)

I tried to work on getting global entry ( I am supposed to get a credit on my statement for {$100.00} if I get it. I started the process and was disconnected, never got an email or a way to get in touch. Both the vendor and credit card company said I was not/would not be charged. It appeared on my statement. I was told would need to dispute. Still no way of verifying with vendor as they don't have me in their records and Barclays is saying it is a valid charge. 
No info provided how to contact them nor a way to dispute further.