davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

During COVID, I was furloughed from my job. This put a strain on our monthly mortgage payments. This caused us to go into forbearance status. 

Once my job was reinstated, we were looking for an opportunity to lower the mortgage payments and decided to refinance with Rocket Mortgage. 
The mortgage company made an error during the refinancing process. They inaccurately stated what our monthly mortgage payment would be because they inadvertently left out the California XXXX XXXX XXXX XXXX amount. This was a huge error that they have admittedly made but yet have no solution except to expect us to pay the increased monthly payment. 

Summary of financial data : Prior to refinancing, our monthly payment that included taxes and all insurances was {$2000.00}. 

The cost of the refinancing was approximately {$100000.00} From the very beginning of all estimations the monthly payment amount if we refinanced with them was {$1400.00}. This amount was the key reason for our decision to proceed with the refinancing. 

After a year of us making the payment ; Rocket Mortgage is stating they made an error and did not include the California XXXX XXXX amount in the monthly payment. They are now expecting us to not only pay the extra needed amount of money ; {$4900.00} but to also endure the increased monthly payment from {$1400.00} that was stated in all closing documents that we signed, to now an increased monthly payment of {$2100.00}. 

This monthly payment amount is now HIGHER than the amount prior to the refinancing. Payment was {$2000.00}. 

We refinanced to lower our payment. Because of their error we are paying more than before plus the cost to refinance. 

We have reached out to Rocket Mortgage and have spoken to 4 different individuals who have offered no possible solutions that benefit us. After admitting their error they only expect us to make the additional payments and go away quietly. 

We are completely disappointed and dissatisfied with this company. We are reaching out for your help to come to a satisfactory solution that benefits us and lowers the payment as promised without us incurring any additional expenses. 

We would not have refinanced with Rocket if we had the correct numbers in the beginning. It would not have made financial sense. We are smart enough to know that. 

Thank you for your help..
Consumer complaint received 2022-08-02
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. (GA)

Account # XXXX has been reporting to my credit profile for the past several months and even has payments that I never made. The account was also closed but was reporting as current and up to date payments but again I never paid on this account because I was not aware of it. According to the Fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report.15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt No one can provide me proof of who the original creditor is, but they want me to pay it. I sent certified letters back in XXXX XXXX asking for proof and yet ; they still fail to provide the information. I am feeling harassed and beaten at this point because I have tried everything. Please help me figure out who this creditor is reporting this inaccurate information so I can have it removed. The bureaus are not doing a proper investigation with this account because no one knows who the original creditor is ; not the debt collector, not myself and not the bureaus. This sounds like ground for removal. They are mailing e constantly and calling from different numbers asking me to pay a debt I know I don't owe.

Debt collectors may not harass you or anyone else, over the phone or through any other form of contact.

Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor
Consumer complaint received 2021-12-29
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

I was notified by my credit card company, who monitors my credit score, that I had a > 120 day derogatory statement added to my report. I have excellent credit history and always pay all of my bills on time and in full. When I looked into the matter it was for this debt collection agency I had never heard of, I.C. Systems. When I went to their website I could only file inquiries if I had an account number with them but I do not have this as they have never contacted me. This debt collection is for a total of {$88.00}, the absolute lack of warning that this account was due at all, followed by the very significant overdue derogatory mark placed on my credit score and coupled with the incredibly small amount of debt owed is in my opinion poor company practices. 

At this time I have filed a dispute with the credit bureaus and will be mailing them a formal dispute letter this afternoon.
Consumer complaint received 2021-10-19
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. (FL)

Hello, my name is XXXX XXXX, and 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. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (WI)

Synchrony bank, the issuer of my sams club credit card, issues rewards points based on purchases. Sams club closed my local store and I have no way to redeem these points locally. As an alternative since I have no local store, Synchrony previously applied these rewards as a statement credit and has done this in other years. This year when I called to make this request they denied the request, saying the rules have changed. I believe that changing these rules without notifying me is unfair deceptive and abusive. I should have been provided an opportunity to cease use of this card in 2020 and not earn these points.
Consumer complaint received 2019-06-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I've been having issues with Navient for years. They are very rude and condescending when they're talking to me. I had an issue once with it stated on my account that I had a past due amount but had been making auto-payments- they had the incorrect date on their end of the due date and when they were taking the payment, so they were calling them late- not my fault. 

Six months ago I called with issues with making payments. I had been unemployed and had to move across country for a job opportunity. They said there was nothing they could do- I also had complained that my payment was never the same every month and they lied and said it was. I had my account open in front of me showing different amounts taken from my account every month- again the agent lied. I told them to un-enroll me that I would make payments on my own. He assured me that it had occurred but the payment was still taken out of my account that moment. 

I forcibly through my bank stopped the payments from that point and did not make payments, as I could not afford them and the company was not willing to help me. Today, they called me and I again were so rude I asked to speak to the manager. The agent literally said to me " you have a job and the payment is {$180.00}, I don't understand '' When I explained that was too high for me he again said {$180.00} as if it was insignificant. The manager he finally transferred me to was just as rude but a bit calmer so I attempted to work something out with him. It's still not ideal but Idk what else to do. 

This company needs to be reported for the treatment of their customers.
Consumer complaint received 2020-09-25
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: EQUIFAX, INC. (FL)

I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY THIRD COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (SC)

Once again exeter finance dances around the topics in a complaint. 
1.i have never by exeter or any credit reporting agency been informed of any of the investigative steps taken to come to their responce other than exeter reviewed phone records So since this in its self is a clear violation of the time allotted by the FCRA I ask the CFPB to travel this file deleted and if there cfpb will not based just on that, then I would like to add that according to the fcra that any evidenced used in making a determination or finding in a dispute, is evidence that I am privy too, and if you refer to my previous complaint I stated a formal request to exeter finance to be given any and all calls that they used or have, and ot only have I asked in this instance but at least 3 others and just like the previous complaint exeter and XXXX have totally shown batten disregard for my right to evidence as it clearly states in the fcra that I have a right to upon request so on these grounds as well I ask the cfrb to either remove or persuade deletion. And on the very slim chance that the cfrb doesnt see the rights violation as grounds for deletion I will be seeking civil penalties against those who have and continue 2 bully and flex their I'll placed power XXXX am Formaly requesting any and all including but not limited to the calls that exeter finance made evidence by stating that they reviewed then and stated their fin of review.the fcra allows a time for delivery of 15 days if not delivered in that time please do away with this account so that this nightmare of dealing with this lying company who will not stand by their word when this vet stood for them if for some reason claims company policy for not being able to release please advise them that if they did not want them to become rightful and dutiful evidence they should have never mentioned them in their responce company policy is no concern of mine as I am within my rights to review them and if they do no provide then please Delete this file hopefully my words early on in this complaint will enable it to not get to this point and will be delete C
Consumer complaint received 2021-12-29
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (GA)

I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, XXXX My problem is with Citibank and XXXXCitibank . They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. 

I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.
Consumer complaint received 2021-12-29
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. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2022-08-12
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NH)

Citibank sent me a letter in approximately XX/XX/2021 saying that I had to answer a series of invasive and personal questions about my assets and liabilities that had nothing to do with my Citibank accounts, in order to follow Federal Law. They threatened to block my accounts- checking accounts I have had with them with zero issues for 20 years- if I did not comply. On XX/XX/2021 I had a long and extensive conversation with a Citibank representative answering all of their questions, even though I didn't think any of it was any of their business. There was one question I couldn't answer - they asked for the details of a specific transfer I'd received from another bank account of mine, but they didn't have the date of the transfer, only the amount, so I didn't know what it was for. They said if they still needed that information after reviewing the case they would call back with the date of the transfer so I could explain it, but if I didn't hear back to assume everything was complete. I never heard anything again. I received no further communication from them - not by mail, email, or phone- on this issue. And then on XX/XX/XXXX I discovered that my accounts had been completely blocked. WITH NO WARNING I was cut off from all of my funds. I called immediately and was forced to answer additional questions before they would remove the block two hours later. The block is now removed, and I will be closing my Citibank account, but this was a completely egregious mistake and I want this complaint filed so that if other people also experience this some action can be taken.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

XXXX XXXX Apartments charged my family for ( nonexistent ) damages. XXXX XXXX has no record of me or my husband living there and can not prove the damages. 
XXXX XXXX Apartments never submitted a bill, email or phone call. Never contacted me or my family regarding the damages. 
XXXX XXXX Apartments submitted a claim to National Credit Systems, again without contacting us.

National Credit Systems fraudulently filed the claim. By law : Within 5 DAYS of first contacting you, the debt collector must send you a letter telling you : the amount of the debt, the name of the creditor, information about what you can do if you think there has been a mistake or you dont actually owe the money. You have thirty days from receipt of this letter to dispute the debt. National Credit Systems never gave us any of the above information or allowed us to file a dispute claim.

We have been calling, asking for the correct paperwork to file with the National Credit Systems for over 8 months. No information has been provided.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

in accordance with the Fair Credit Reporting Act XXXX XXXX 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
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I requested Paypal close my account XXXX times and they still have not done so!!!! I don't want it anymore, every time I buy something I end up getting ripped off and am not shopping online anymore it is not safe there are so many thieves nowadays and those trying to scam you!!!!! I don't need this service and want it closed and an email sent to me stating it has been closed for my records!! I won't be reopening it again!!!!