davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ID)

I applied for a loan for an investment property and was approved online, then XXXX was assigned as my loan officer. He repeated quoted me a low rate without points, stating that quicken only charges a {$1200.00} lender fee. I asked him for updated rates last week and he quoted me 2.625 %, which seemed low, so I asked to confirm that was the rate for a non-owner occupied loan and he replied yes. 

When I found a property and requested that he lock my interest rate today, he was evasive and said rates had gone up. When I asked what today 's rate was, he said 3.5 %. I told him to go ahead and lock it, as I already signed the offer. He then texted me to call him. When I called him, he told me that the loan at 3.5 % would cost me the {$1200.00} quicken fee, plus XXXX points, totally over {$5000.00}. He then said he was confused and thought I was going to occupy the house. The loan I applied for was marked as an investment property and XXXX knows that I live in Idaho and work in Idaho and was looking at investment property in XXXX XXXX. Today, he said he would not be able to honor any of the loan terms he earlier had quoted and could not do the loan at XXXX points, as he told me he could on several occasions. I spoke with XXXX XXXXs manager, who told me he was not sure if XXXX was deliberately dishonest or confused. He also said that XXXX should have known that I had applied for an investment property loan, as it was all over the documents in my file. 

Quicken loans offers a {$1000.00} guarantee that they will close your loan. I am looking for another lender unless Quicken honors their original fee quote. Since that is not likely, I am writing to see what recourse I have. I had a similar, though not as costly, experience when quicken refinanced my primary residence a few months ago. The lender quoted me a lower rate several days in a row and said he could not lock the rate until I had all docs. in. Once I submitted docs, he said the rate went up. The same thing happened with my daughter and a friend who refinanced their homes at the same time. I understand teaser rates, but quicken loan offers are quoting lower rates and low to no costs until the day you lock, after you have already made plans with the loan and spent time uploading documents. 

Thank you, XXXX XXXX
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OH)

I became aware of this debt when attempting to apply for an apartment and was denied due to this debt because it shows bad rental history. I have disputed with XXXX numerous times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent an affidavit to the company ; National Credit Systems and have not heard back to them in regards to the account being removed from my credit. It is joint debt and I do not know the other 2 people on the account ; we do share the same last name. The creditor would not send me the apartment application or ID submitted so that I could let them know it is not my signature or ID provided. This collection is hindering my ability to get housing. I did not reside in these apartments. I do not even live in the state these apartments are located. I did go to school in XXXX XXXX from XXXX but I reside in student apartments called XXXX XXXX XXXX. Then I moved back home with my parents after XXXX in XXXX, XXXX  after accepting a job as a XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXX I worked 3 years XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/21 I arrived at Santander Bank in XXXX on XXXX XXXX XXXX XXXX to meet with my daughter to open an account. I met with XXXX XXXX the week prior on a Friday and also met with Mr. XXXX. I was their for what I would consider a long time met with them to asking some questions about mortgages due to my daughter is interested in potentially by a home. My daughter and I waited awhile and once it was our turn I arrived with a white shopping bag tied to my orange hand bag filled with our cash. I walk with a cane and we sat down and he asked for information from her in order to open the account. Once he was done I took the manila envelop and handed to XXXX XXXX he took it from me and to another area I waiting for him to call us to the front and, count the money or ask how much was in there but he never did nor did he count it with us or in front of us. He walked over to another area and said one of the tellers are counting the money. I am not sure who they are because we did not see who was counting it. He went back and handed us a receipt of {$17000.00} in total. We were never given a deposit slip to fill out. When that happened I looked at him with concern and, I was shock as was my daughter and, started to feel anxious I told daughter to go because we both felt a since of concern if we had said anything so left to catch our breath. There were a lot of customers in the store and XXXX was the person in the store helping everyone. We came back the next day and, waited to be seen and, explain to him the huge error that had happened with the amount on the receipt has was not correct and, we ask him to pull the tape he said that he did not know who's job it is to do that I ask him to please email both my daughter and I so we know he is working on it we have not heard anything about a report being made. We did receive a call from Mr XXXX XXXX saying he wanted us to bring him proof to him where we got the money from I told him I will bring once I we reach out to the banks we will be providing documentations. I called MrXXXX XXXX last XXXX to follow up he said he has nothing on the tape to tell me. When the incident happened we did call costumer service and, spoke to XXXX he said he would forward the call to the right person this never happen it has been over 21 days nothing from anyone from the bank with an update. Though I did speak with a XXXX XXXX he ask if some one gave a bag with the amount of money that I am claiming. Please know that I will be providing documents I have made the requests I waiting to receive them and I send it at a later time. The reason am now sending the complaint I had call and, request for the application I have not received it via mail. We still have the XXXX at the bank we are not sure what to do we were told to leave it there by a Santander employee until the matter was resolve.Files will be provided for this complaint I am waiting from other institution and, other parties.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MI)

Transworld System collection agency bought a debt from XXXX XXXX. This debt/account was opened fraudulently in my name. I have called the collection agency and XXXX XXXX multiple times in the month of XX/XX/2020 and no one will help me. When I called transworld system collection agency the collection agent just kept asking how I wanted to pay the debt after I repeatedly told him that the debt is not mine and is identity theft. The agent then said they were going to send me a fraud package to fill out but I have not received it. This has negatively affected my credit score.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I am filling this complaint by myself, for myself, this is not being done by a third party, nor is this a duplicate. My information was misused and now i have false accounts that Equifax is not reporting with 100 % accuracy on my consumer report.
Consumer complaint received 2021-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NC)

In 2014 i attended school here. During this time they were doing just like XXXX XXXX was i imput my information and the " loan advisor '' made sure i had the " appropriate '' amount of money for tuition. 
I was not given a credit hour cost they took out tge max they could to cover the tuition. 
This place did predatory lending to maximize there profits. And this needs to be addressed. As the amount need for the degree was way over the wage limit.
Consumer complaint received 2020-12-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Please review partial of the United States District Court for the Southern District of Florida case no : XXXX XXXX XXXX and XXXX XXXX /Planiff VS Select Portfolio Servicing INC , this case is XXXX pages long but I only printed out the first XXXX pages because it has the same identifiers and characteristics of my case with force place insurance scheme particularly Hazards insurance increasing insurance more than it actually cost and adding other insurance fees causing increase in premiums and pass it to the borrower which I had no knowledge that it was applied to my mortgage loan payments. Please review Exhibit A OMNIBUS ORDER DENYING DEFENDANT MOTION TO DISMISS.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (MS)

American Express is delaying my direct deposit and they are not responding. It also seems that the customer service line has been disconnected. I have no idea when I will be paid and I have expenses piling up. There was also no notice of problems. I had to find out through XXXX that there was a problem.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (FL)

XXXX loans were taken out in my name for trips to XXXX that I didn't authorize. The trips are through XXXX and not in my name even though the loan with XXXX is in my name. 
XXXX says that the trips are non-refundable and XXXX is requiring me to pay.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2018-12-06
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. (NC)

I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect XXXX  XXXX  XXXX / XXXX XXXX / XXXX XXXX
Consumer complaint received 2018-12-06
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. (CA)

1. XXXX  XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 2. XXXX XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY 3. XXXX   XXXX XXXX - XX/XX/2017 - UNAUTHORIZED INQUIRY
Consumer complaint received 2021-02-11
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. (TX)

I have been battling XXXX XXXX XXXX XXXX XXXX and Equifax Information Services LLC for over 30 days on the issue of inaccurate accounts being reported. Now they are still continuing to report inaccuracies while they try to verify the validity of said inaccuracies. According to the Fair Credit Reporting Act, section 609, ( a ) 1 ( A ), you are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report ( BEFORE REPORTING ). Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm emailing you a summary of the actions and proof given to Bank of America prepaid services pertaining to my fraud case. Bank of America states that their cards are covered by Fraud protection. 

I contacted Bank of America prepaid services about multiple transactions made on my unemployment prepaid card. They said that they would open a dispute claim for me. I have replied to all of their requests to me in a timely manner. 

{$3600.00} was fraudulently taken from my Prepaid account. 

XX/XX/XXXX {$800.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$440.00} On XX/XX/2021 I sent a letter and documents to Bank of America prepaid card operations. This contained all of the material they had requested from me. I will include such documents in this email as well.

A dispute letter stating that the money withdrawn from my EDD Bank of America account was done fraudulently and that I expect this to be remedied and to be credited the money owed me. 

A copy of my drivers license and also a recently taken passport photo. 

A list of the fraudulent transactions and time stamped proof from my employer as to dates and times it was impossible for me to be at the locations where these ATM transactions occurred. 

XXXX XXXX Sheriff Department case information. Case # and contact information. 

I have called them 18 times over a span of 8 months. A log of all of these phone calls is attached to this email. 

I've been denied multiple times and have filed multiple complaints to no avail. 

I have been given false information and felt dragged along unfairly through this process. Im now contacting you because I have been told that you may be able to help me resolve this case. I have been informed that Bank of America prepaid card services may be in Breach of Regulations.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). These FTC ID Theft Reports and requests for validation and Methods Of Validation were received on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Consumer complaint received 2024-09-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (TX)

I SENT NORTH AMERICAN RECOVERY ON Debt Validation Request XXXX ALSO CALLED THEM ON XXXX AND XXXX AND STILL HAVE NOT RECEIVED THE INFORMATION THAT I REQUESTED
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2020-12-03
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. (CA)

I went to buy a car on XX/XX/XXXX at XXXX XXXX and they approved me, but they told me I had a negative account ( XXXX XXXX XXXX XXXX ). I have no idea who opened this account or what it is for. My personal information was stolen on XX/XX/XXXX and they took my birth certificate, driver 's license, and social security card amongst other personal belongings. I am assuming that's how they open this account but I'm not sure. I have an open police investigation for that incident. I need this account blocked because it doesn't belong to me and it already cost me money considering I probably got a higher rate on my interest rate for my car. And this account will continue hurting me even though I never opened this account. I never received or possed any goods, services, or money from this account. I filed a police report already and it's an open investigation, no arrest has been made yet. All my statements are true and correct to the best of my knowledge.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (NY)

I opened this account on XX/XX/2018 and i was promised that if I made a deposit of XXXX $ I would get a XXXX $ bonus. I fulfilled every term and condition listed ( I have never had an account with them before ect. ). I called them to ask why I had not received my bonus 3 times! Every time I was told we will look into it and nothing was done!
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX, appeared on my credit on behalf of XXXX XXXX XXXX XXXX, which I do not know who these people are. I tried calling this company, and was confronted with ruddiness from a person at this company. I tried to explain that I am and have not been a owner of a XXXX XXXX XXXX. Then they began threating me and refuse to remove themselves from my credit report. This information appeared on my credit today XX/XX/2019.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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 XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX, 15 U.S.SC 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
Consumer complaint received 2021-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Please see the attached letter for info request for all monthly mortgage statements you have on file for me at my residence at XXXX XXXX XXXX, XXXX XXXX Tx XXXX for the dates of XX/XX/2018 through current.