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 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

There is a discrepancy shown on the payment statement for my principal loan balance Wells Fargo Mortgage loan discrepancy : Total Principal per Borrowers records. {$360000.00} Total Principal owed per Wells Fargo {$360000.00} Discrepancy {$3100.00} I have rejected the Covid relief package when they disclosed the terms, I have paid all my payments and I am up to date. A silent second is showing on my statement and credit report. 

I have called Wells Fargo many times regarding the above and they have not corrected the above issues.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

We paid off a mortgage with Truist ( originally ) SunTrust on XXXX XXXX, 2021. We also paid off a XXXX  with Truist at the same time. The payoffs occurred after we sold our house and the title company, XXXX XXXX, wired funds to retire the loans. On the next day, XXXX XXXX, Truist removed our access to any details and history about both the conventional mortgage and XXXX  in their online portal. Truist owes us at least a little amount of money because the payoff amounts were conservatively calculated based on a XXXX XXXX payoff. I dont understand how Truist can delete the history and/or remove our access to view any details after the payoff. 

We need access to the loan accounts online to show the payoff for the new financing on our new house ( not financed by Truist ). We also need access to track any overpayment due because the loan was paid off two days early. We called Truist and were bounced around for over an hour with call center staff giving us inconsistent information. 

Can Truist really cut off our access to the loan accounts history upon repayment, including overpayment? This just seems wrong. How do we track the overpayment?
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2021-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX reached out to TransUnion about a dispute and have not gotten a single response. 

XXXX This account is showing a High Balance on TransUnion of XXXX but on XXXX  it shows {$5500.00}. I also noticed that you have this account as the date of the last payment XX/XX/XXXX but XXXX  shows XX/XX/XXXX How can this be accurate when it comes from the same creditor? 

XXXX This account is still inaccurate reporting last payments incorrectly. Shows the account has been late 90 days a total of 4 times with a payment status of late 120 days. 

Would like these unverified late payment removed. 

XXXX Date of last payment inaccurate TransUnion with the date of the last payment showing of XX/XX/XXXX on Transunion but on XXXX  it shows the date of last date of last payment of XX/XX/XXXX. 

How can this be accurate when it comes from the same creditor? Please delete this unverified inaccurate account. 

XXXX This account has been re-aged. The date of last activity should reflect the FCRA compliance date also known as the date of first delinquency which in my original dispute was XX/XX/XXXX and now you are reporting it as XX/XX/XXXX but XXXX  shows it as XX/XX/XXXX and XXXX  shows XX/XX/XXXX. 

Would like you to provide me with the paperwork XXXX provided you that validated this account and its information or delete it. 

The original creditor XXXX XXXX XXXX with account number is also reporting this account which is causing duplicate derogatory accounts on my credit report. Which should automatically have both removed. 

Attached are copies of my original dispute and identification that was sent to the TransUnion with Certified copy of mailed delivery
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (CT)

I am bringing to credence attention of the violation they committed under the fair debt collection practices act. Attach to this complaint you will find an Unsworn Declaration of Truth, a Cease and Desist with the demands of I, the consumer, and exhibits as proof of Credence Resource Management violations against I, the consumer.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

I did apply for a credit card online, trough care credit website, to cover my dental bills, I was approved at the moment but this is not the problem, i have been having troubles making my payments online, their system doesn't allow you to complete your payment process, and then if your payment doesn't process they charge you late fees when you tried to make the payment on time. 
My last bill was due on Saturday XX/XX/2018, when i logged in on my account to see my balance and make a payment, i was chocked by the increase from one month to another, when i checked on my XXXX transactions I found out that the interest charges for a month XXXX XXXX XXXX was for the amount of {$1300.00} calculated over a balance of 2,600.00. 
they are charging abusive interest rates and late fees, and the system works perfectly when you apply for credit but not when you tried to make payments online. 
thank you.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

. 
Remove the following inquiries immediately. 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. These are not my accounts. delete the inquiries. This is the 3rd time. Legal action will be taken.
Consumer complaint received 2021-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (TX)

I have tried several times to dispute the inaccurate information as this accounts not mines. The credit bureau and collection agency have failed to remove the account and have not provided me with any proof that this is my account. I have no knowledge of this account.
Consumer complaint received 2020-06-04
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: CL Holdings LLC (WI)

I was notified by a relative that they were contacted by Jefferson Capital. When they answered, it was a robocall and said " This is a debt collector and looking for XXXX XXXX " Also, I have been receiving calls from them impersonating a different elderly relative. I believe they are scamming and phishing. On the callerid it shows a relative name and when you call back. It is a robocall that says, " This is a debt collector. '' They have been calling daily and repeatedly. 

I have the right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. 

I am willing to forgo the legal remedies I may have, including a lawsuit in small claims court seeking punitive damages against you and the agency, in exchange for your written promise to permanently cease all efforts to collect this debt and remove all negative entries regarding this debt from my credit file. I expect to hear from you immediately. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AL)

I recently got a new XXXX as a early XXXX present. The phone came with an offer to apply for a XXXX credit card. I kept getting rejected because they could not verify my identity. Finally today ( XXXX ) they told me the issue appeared to be with one of the credit reporting agencies and to call them to find out what is wrong. Well I had an idea that it was because my name is very similar to my fathers name and this has caused me issues with these credit agencies for most of my adult life. About 10 years they put one of my deceased father 's account on my report and even used his SS #! It took the IRS to put a stop to that And few years ago I had to do a fraud alert to get some of this incorrect information removed even though it was just my fathers information. And yet it still continues to be a problem to this day. I called XXXX and they told me there was nothing wrong that would cause this issue with them so I needed to check the other 2 and suggested the free annual report. That's when things made a turn for the worse. I got the XXXX  report with no issues and the same with XXXX. That one did have my fathers old address and employer and I was able to dispute that. But then Experian refused to give me their report unless I mailed them first. I attempted calling them several times but as soon as they get my SS # and street address they basically hang up and won't talk to me. By the time I get this resolved, XXXX will have come and gone. If I have bad credit that is on me. But their constant screwups and slowness to respond are on them and they should be accountable.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employer : XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-02-10
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-09
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. (MI)

On XX/XX/2021, I requested a credit line increase of {$3000.00} online for my XXXX XXXX XXXX XXXX XXXX  at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, XXXX XXXX informed a hard credit inquiry without my consent or knowledge at the time or the credit line increase request. This is illegal. No way to provide my consent to a hard credit inquiry ( I.e. no button, signature, or check box was made available to provide consent ). Furthermore, the website provided no notice that a hard credit inquiry would be performed : no terms & conditions or verbiage were present before proceeding with the credit line increase to specify that a hard credit inquiry would be performed. 

XXXX XXXX 's hard credit inquiry now shows under " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX on my credit report and is impacting my credit score. 

I contacted XXXX XXXX today at XXXX to try to resolve the hard credit inquiry issue and inform them that it was performed without my consent or knowledge. However, they denied that the website did not ask for my consent. 

Note : Please see the attached screenshots proving that I was not notified about the hard credit inquiry before requesting a credit line increase. I also have a copy of my credit report to showing the hard credit inquiry.
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: ProCollect, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... PRO COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.