davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

We purchased a new home on XX/XX/XXXX with Rocket mortgage as the lender. 
We locked our rate with elected points of {$2900.00}. 
Rocket changed the points on this loan to {$6900.00} less than 2 days prior to close, without a valid change of circumstance and without our consent. We objected, but ultimately had to close the loan so as not to risk the earnest money ( {$40000.00} ) we had put toward closing. We've attempted to get Rocket to acknowledge their error and refund the {$3900.00} to us, but they have refused. 
XXXX - XXXX contracted on the home in XX/XX/XXXX and pursued financing with Rocket -We elected points, as reflected on the XXXX dated XXXX in the amount of {$2900.00} -During due diligence, we learned of repairs needed on the home. We amended the purchase contract with the seller such that they would provide a concession of {$20000.00} in-lieu-of holding up closing. This amendment to the contract was shared with Rocket on approx. XXXX and acknowledged as having been received by Rocket on XXXX ( see attached email ) - Due diligence ended on XXXX and {$40000.00} we had pledged in earnest was released- On XXXX, Rocket issued a CD to us still reflecting the points in the amount of {$2900.00} - On XXXX, Rocket, without our consent or knowledge, changed the points charge and issued a new CD, reflecting points totaling {$6900.00} - We objected by phone to them on XXXX, but were forced to closed else would risk losing the {$40000.00} in earnest money - I contacted Rocket after closing, pointing out that they needed to refund the increased points charge as this was not requested by us nor a change authorized by us. 
- Rocket claimed it was necessitated by the concession. However, they had no answer when challenged that they had this information at least 4-5 business days prior to the revised CD, thus, no valid change in circumstances related to the seller concession could be claimed. 
- Rocket continues to deny our request for a valid refund as their change in costs is outside allowable tolerance We request the CFPB assist us in pressing Rocket to make right by us and refund this overcharge
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DE)

There was an issues with receiving my monthly statement. I will paying my last known amount. The amount was short by {$2.00} and I was accessed a late fee. I paid more money the next month in the amount {$30.00} to accommodate the previous month shortage. I was accessed another late fees.I was virtually verbally attacked by XXXX and XXXX in collections about the late fees. They were not helpful nor respectful. Considering it was a mistake made by the company XXXX XXXX XXXX. Both representatives should be coached on how to treat customers. I was promised a late fee removal by the original customer service representative. She just did not know how to remove both late fees. That is why the supervisors were requested.
Consumer complaint received 2018-02-20
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX  and the owner XXXX XXXX is a XXXX  XXXX XXXX criminal, they are using deformatory information on me when there is no tangible evidence to the claim, i dont give a XXXX who they are and what they do, i dont have any contract with these criminals showing any obligation to perform, furthermore thier criminal co-contractor friends are liars, I never received any ''bill '' from anybody and never received any ''varified complaint '' sworn to and notarized, which would substantiate a wrong-doing, so who the XXXX is XXXX, ,,,,,,, its a criminal extortion racket, there is no tangible evidence of any debt without a ''bill '' a statement is a whole different meaning, thats why i have a ''billing address '' and not a ''statement address ''
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates (GA)

Invoice never received from originating collector. " Debt '' was then sold to debt collector who uses harassing communication techniques to collect debt that does not even belong to me in the first place. As a consumer, I would like to report XXXX XXXX XXXXXXXX XXXX GA XXXX who insist on violating Fair Debt Collection Practices by attempting to collect a debt not owed. 
XXXX XXXX  XXXX also fails to send written notice about debt and continues to make false statements and representations by harassing consumer with negative and legal action threats. 
Foremost, I do not authorize XXXX XXXX XXXX to continue contacting me and I will pursue legal actions if daily harassment continues to take place.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I changed Home owners Insurance companies In XX/XX/2019 and notified the bank in XXXX and they removed the forced insurance XXXX XXXX and said I was all good nothing would be charged me. Shortly after I received a notice that I need to have wind coverage added onto the insurance. I called my agent and they said I couldn't add it even though the insurance was young I had to cancel and reorder insurance with the wind which I did. The bank Had NO insurance on my property since they cancelled everything XXXX XX/XX/2019 ) once I submitted the insurance from the start of what they thought was a lapse. I had insurance the whole time. Once I turned in the new policy they said I had to prove i had wind insurance from the beginning. The insurance company wouldn't do it back date so I told them. In XX/XX/2019 they supposed took out wind only insurance for XXXX what wind insurance costs of one year for the time period XXXX XXXX. They did not have insurance on my property at this time but months after supposedly purchased it after the fact. I was told multiple times I would not be charged for it on the phone ( which they always insisted we talk by phone ) I have no written proof but I did have one name which they supposedly never found the person. Once they told me I would not be charged I threw away all the little pieces of paper with all the names and times I spoke thinking it was settled. They have been harassing me and not applying my house payment, charging late fees and likewise high jacking me with their insistence on charging me for a service I DID NOT RECEIVE. I have been arguing for two years over and over with no success. I do not plan to pay for a service I did not receive. According to my insurance agent you can not collect for service that is past. That is why they could not just add it. My wind for that year was under {$200.00} for the whole year-where they are trying to get {$210.00} for one month and not actually providing that service. I am adamant about not letting a big company take advantage of me. Please help or tell me who I can go to to get help.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credence Resource Management, LLC (TX)

XXXX XXXX did not disclose the debt collection at all, nor did they send a notice about sending to collections. I was not aware of these debt collections until they reported to my credit report. 

I reached out to XXXX XXXX on several attempts to offer payment on the account before they sent it into collections. XXXX makes it very complicated to be able to reach out to someone to get help on the matter. On the actual XXXX account, the last time i took a look at it which was XXXX  XXXX, the past due balance was about {$380.00} or so. They did not disclose it was being sent to collections, and sent it to collections for over {$900.00}.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (TN)

Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified Amerihome of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau XXXX  was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified Amerihome multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to Amerihome that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of Amerihome 's incorrect reporting and refusal to fix their error.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: E-Backgroundchecks.com, Inc. (CA)

A background check with backgroundchecksXXXX  Shows two addresses linked to my social security number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never lived at these addresses and I believe this to be from identity theft. The information is inaccurate.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC (CA)

On XX/XX/XXXX and XXXX, 2021 there were hard credit inquiries to my credit report. XXXX XXXX, XXXX XXXX XXXX, and CURACAO. I reported the fraudulent inquiries to each financial institution listed. XXXX XXXX and XXXX XXXX XXXX, have sent me letters acknowledging the fraud. CURACAO has not. On XX/XX/2021, CURACAO opened a charge account in my name. This account was fraudulently opened with a credit limit of {$3100.00}. The account was immediately charged the full amount of {$3100.00}. I subsequently placed fraud alerts on all three credit bureaus. I contacted CURACAO customer support ( XXXX ) on XX/XX/2021 and he documented the information. He stated the account was opened and approved online and two XXXX devices were purchased. He also provided me with the last four of my SS number and an old address that was used. ( Old address is from over 7 years ago ). XXXX provided me with a name and email in their fraud unitXXXX XXXX XXXX I attempted to reach her by email with no response. I called CURACAO back today, XX/XX/2021 to get an update but there is no update. So far, CURACAO has not removed the hard inquiry nor have they removed the credit account from my credit reports. Attached are letters from XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I paid of my loan in full on XX/XX/2021 to Wells Fargo, they are still holding on to my escrow and overpayment of XXXX dollars. The automated system said the payment was sent on the XX/XX/2021, the bank said I should have it no later than XX/XX/2021. Its now the XX/XX/2021, they now are talking about business days, this is not the 20th century. No such thing as business days, mail moves 24/7. They are holding my money to squeeze interest out of it!! This needs to be stop, Wells Fargo does this all the time. Thats why I dont wish to do business with them ever again!! But they will not let me or my money go!!!!
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America XXXX Saying I was delinquent and never was even after calling the Bank to verify. Saying my XXXX Acct was paid in full XXXX Credit Card XXXX I paid in full on time payments. This was years ago and they act like this was recently and they keep harassing me Im a Senior on disability its very stressful has caused me to end up in the hospital with cardiac issues XXXX XXXX XXXX XXXX XXXX Has no phone number XXXX cant prove on any medical records of mine or documentation from hospital or doctors that I owe any monies. {$280.00} XXXX XXXX XXXX XXXX XXXX  I cant prove on any documentation from the hospital or doctors of this charges and continual harassment. {$340.00}
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (WV)

I've repeatedly received calls and Voicemails about " debt. '' It's a constant voicemail and I'm continuously receiving these calls despite having been registered on the " do-not-call list '' since XX/XX/XXXX. I'm begging for action to be taken to stop the harassment by way of repeated phone calls. 

The number calling is listed on my phone as XXXX ; but of course I have no idea if this is the actual number calling. Phone calls still on my call history clearly show I'm on a robo-calling list that routinely calls weekly despite my registration on the 'do not call list, ' and include a call history of : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX The list continues on after this, too, these are only THE LAST 8 CALLS. I'm begging for action and recourse if possible. If there's any evidence necessary to prosecute, I'm happy to provide it - this is a weekly situation that continues as recently as this morning and I sincerely would appreciate any legal action that can be afforded to this company as they have CLEARLY violated the do not call registry requirements. Clearly the penalties are not a deterrent to these companies and it's frustrating, since I have never heard of this company, never used the phone Number attached to them, or reached out to them to solicit any correspondence of any kind. 

I've documented the incessant calls and have a longer call history that goes WELL beyond the above referenced incidents.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.
Consumer complaint received 2022-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (FL)

CARMAX AUTO FINANCE Last reported XXXX XXXX, XXXX {$8600.00} Reported balance Highest balance {$16000.00} You've paid off 47 % of this loan OVERVIEW Highest balance {$16000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 2 mos ) Term 74 months ( 6 years )
Consumer complaint received 2021-12-01
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. (AZ)

Hello, I need this complaint sent to TRANSUNION LLC. It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title 15 chapter 41. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized Inquires. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent. This is Hereby A Notice of Inaccurate Inquiries ( HARD ) and ( SOFT ) and confirmation of errors. Pursuant to Title 15 USC Code 1681s-2 ( B ). regarding inquires listed I did not consent to, authorize nor benefit from any of these inquiries. Block and remove them : 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 MISUSE  OF MY CREDIT CARD INFORMATION AS DEFINE IN 15USC 1602 USING MY SOCIAL SECURITY NUMBER AS UNDERLINED IN 26 CFR 301.6323 ( H ) -1 fraudulent inquires has caused financial hard ship. this make up XXXX % of my credit score. I have been denied credit, XXXX and XXXX has already complied with the facts of law I've laid out. But Transunion it self over the have phone told me they don't care about the federal codes, that congress wrote for them to follow. Transunion continuously have disregards to the CFR, Title 15 U.S. Code chapter 41 and to the natural people.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

This company, Midland Credit, has been calling repeatedly and sometimes twice a day regarding a collection account that is XXXX years old and can no longer be collected. 

Phone number is XXXX. They have also been calling my husband and he was not even involved in this collection. Dates XX/XX/XXXX twice, XX/XX/XXXX twice, XX/XX/XXXX twice, XX/XX/XXXX twice and they also called my husband. 

I asked them to please stop calling and have also disputed collection on my credit report.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated XXXX and Eqifax needs to change it. They do not want to help at all.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (OH)

XXXX XXXX. {$430.00} I contacted this company with proof of the violations taking place along with a invoice to pay for violations. 15 usc 1692c -communication not allowed by debts collector. 15 usc 1602 I am the original creditor 18 usc 08 the government agreed to assume all liabilities that arise under transaction using my social security number.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I submitted a complaint CFPB ID : XXXX and I'm dissatisfied with the response from Flagstar. I am submitting this complaint to request for more explanation. According the response, my escrow/loan was placed on hold until XX/XX/XXXX. How come the property was paid on XX/XX/XXXX? almost a month after? How am I supposed to be held responsible for the late fee when I never once received one pay-off statement, let alone three that were attached. They were likely sent to the broker ( s ) I was working with at that time ; however, I did not go through with any of them. Again, as their customer, I feel that Flagstar does not have my best interest at heart.
Consumer complaint received 2022-05-01
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 XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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