davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NV)

Complaint against : Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX United States Lender NMLS ID : XXXXopens in a new window NMLS Consumer Access XXXX  Dates of Offenses : XX/XX/2020 through XX/XX/2020 To Whom it may Concern, I am writing this complaint in great sadness and distress. I have served my country for eight years in the XXXX XXXX XXXX XXXX with multiple XXXX  tours ; I have also been in XXXX XXXX  XXXX for 15 years. It is hard to put into words the unprofessional manner Freedom Mortgage treated me and, in an essence, try to steal my property with their actions. They have ruined my credit and flared up me XXXX  to the point that I have sought counseling from the VA to deal with this tragic event. 
Being thought by the XXXX XXXX and XXXX XXXX to be a man of integrity, I would expect a company managing a VA Loan would treat me with the same respect. I have been lied too, mislead, and put on the, backburner several times. The cavalier way Freedom Mortgage dealt with me possibly losing my home because of their companies errors is an atrocity.

This is not a letter of complaint based on opinion and can be backed up with documentation and phone recording Freedom Mortgage should have in their possession. I have had over 50 communication  with Freedom Mortgage since XX/XX/2020. Through these communications I have proof of being ignored, lied too, mislead, and talked down to. I filed complaints with Freedom Mortgage mangers with nothing but apologies without fixing the issues. In multiple occasion I got no response back from managers. I had to retain a lawyer to deal with their unprofessional way they handled my mortgage forcing me to sell my property to prevent Freedom Mortgage from stealing my property. Even when selling my property, they gave the Escrow Agents misleading information and did not respond to their communication to the point that the buyers almost backed out of Escrow. 
In conclusion, I have lost about XXXX in equity and my credit score has dropped almost 200 points. The damage that has been done can never be repaired. Through multiple obstacles I did the right thing and ensured the loan was satisfied and my property was sold without going into foreclosure or short sale status. I am seeking a lawyer to sue this company to fix Freedom Mortgages policies in procedures to prevent another Veteran to experience this. I am preparing a log and book with all the emails, letters, and phone conversation regarding this case. Even at the date of this letter, my VA  representative XXXX never received a response back from Freedom Mortgage regarding their formal complaint process. If you are reading this complaint it needs to be taken seriously if you care about Veterans and their families. I will be able to provide all documentation to prove my case upon request. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

I applied for a mortgage on XXXX XXXX 2016 With Amerisave Mortgage Corporation. I received an offer and a lock agreement for a {$180000.00} 15 years loan at 2.75 % .+ points discount. During the next 2 months after many emails and phone calls and many document transfers, I was informed that if I did not agree to a new interest rate and 20 years mortgage our loan would be terminated. Well I needed the refi to pay off some bills and for the down payment on my daughters town home. I was between a rock and a hard place as if I started a new application elsewhere it would take another 2 months and she would lose the earnest money and the town home. I had to take the new rate at XXXX and no reduction in the points for the loan. Not only was I taken advantage of by Amerisave Mortgage, if after all is said and done they also XXXX with the points charges. I believe that I am not the only person preyed upon by Amerisave Mortgage as a lot of their reviews on the internet paint them in a very negative light.
Consumer complaint received 2023-08-03
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. (NY)

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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (FL)

This account was opened by some fraudsters and I went into XXXX Stores in order to return the phones since I was able to intercept them at my home. I have called their offices as well and have tried to return the phone via mail and footing the bill of the mailing in order to clear all the situation. I was played by some time and did not get the appropriate response from the company since I was placing all my goodwill in order to solve this issue. I did not order this phones and it was the result of an Identity Theft. I was sent to collections wrongfully and know when trying to buy a home I found that this item is dinging my credit.
Consumer complaint received 2023-08-03
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)

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX I Have 1 date of birth XX/XX/1964 I have requested over 10 times to have my correct information up dated and all 2 credit bureaus have failed to correct my credit reports with my correct information.
Consumer complaint received 2021-03-24
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)

Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (WI)

I requested a balance transfer from XXXX XXXX made to CITI Cards for account ending XXXX. CITI cards applied the transfer dollar amount of {$2000.00} to card ending XXXX. Why was the transfer applied to account ending XXXX? and not XXXX? 
Please send copies of all monthly account statements for XXXX XXXX XXXX account XXXX ( not including XXXX ) beginning XXXX account opening through XXXX XXXX.
Consumer complaint received 2023-08-03
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-03
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. (CO)

XXXX Leased vehicle as total loss. Insurance fully compensated company and paid company. Have disputed for years, but remains as a " repo '' on my account and displays as over 180 days late. It should show paid off in full. XXXX provides a XXXX balance on the account. Equifax and XXXX refuse to correct the information, XXXX however, resolved the dispute and corrected the information immediately.

Colorado US District court XXXX
Consumer complaint received 2016-07-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

In XX/XX/XXXX I had put in for a remodification application with my bank ( then it was CITIMORTGAGE ). I had done everything they asked me to do. Almost a year and a half later I got a foreclosure letter. I immediately went to a financial institution and payed to do the remodification through them. After about 11 months I got a bad remodification. I was paying 6.375 % rate on my regular loan ( originally {$380000.00} ) which I had a balance of {$360000.00} left. After remodification, I was given a 5 % rate and they had tacked on {$44000.00} to the back of the loan ( so at this point my loan is {$400000.00} ) and made it a 40 year mortgage. A year later CitiMortgage sold my loan to another company. In XX/XX/XXXX I was looking to refinance my mortgage and my broker found a discrepancy in the balance from CitiMortgage. In the remodification, they had added {$10000.00} for " attorney fees for foreclosure ''! I never went through the foreclosure process. I had gotten in touch with CitiMortgage and got bounced around for a while and no one could answer my question on getting my money back or how I got such a bad deal on the remodification. The remodification had put a big strain on me financially and mentally and I felt like I had no other choice but to accept what I was given. I am tired of getting screwed by big companies and feeling like I just have to sit there and take it. I would like to get my money back from CitiMortgage with the interest I have been paying on it since the remodification!!! I have all the documents from my remodification process and refinance. Please help me, I do n't know where else or whom else to turn to!
Consumer complaint received 2023-08-03
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 requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 2023-08-03
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-03
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit card account was entirely paid off in full & before due & shouldve been nothing but in good current standing. Instead account was still later charged off & placed negatively as a fully unpaid collection on all credit files. Since then, been disputing this w/creditor & all 3 burueas all of which only " investigate & verify '' & refuse to remove this boldly false & wrongful " account/info ''.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE FARM BANK, FSB (CA)

I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX. 
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker. 
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX. 
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-08-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX, TRANSUNION : XXXX XXXX  Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Finance XX/XX/XXXX XXXX XXXX Credit Bureaus/Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXXXXXX XXXX XXXX  Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXX
Consumer complaint received 2016-07-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I signed up for a Citi Gold account online and entered promotion code XXXX. where I would receive XXXX XXXX XXXX bonus miles points after completing certain requirements. On XXXX/XXXX/XXXX, I received a letter from Citibank confirming that that the promotion offer is attached to my application and confirming that I would receive eligible for the bonus. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. 
A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Citibank sent me an email on XXXX/XXXX/XXXX stating that I have meet ALL the requirements for the promotion and have asked me to wait for 30-90 days for the points to added to my AA accounts. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has not add the AA bonus miles points to my AA account. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX and Equifax are reporting 3 negative account each with XXXX XXXX XXXX XXXX But Ive never had a contract with this company Ive disputed this to both credit bureaus XXXX & Equifax but both state that its accurate
Consumer complaint received 2018-12-01
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: Commonwealth Financial Systems, Inc. (GA)

XXXX XXXX {$350.00} and {$530.00} There are no contracts, no valid claims ... accounts were settled with original creditor ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2023-08-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (AZ)

I tried to make a payment towards a AAdvantage card on the day it was due, a Saturday. After submitting all the information for the payment I submitted the payment but the site said there was an error. I tried for the next hour to make a payment but was unable. The following Monday I called the company directly. I explained the situation and was told it was n't a problem, there would be no late fees with a payment that day. I paid the outstanding balance completely as I intended to 2 days prior. Two months later I received an Email saying I had an outstanding balance ( a late fee ) and was being charged late fees on top of the first late fees because that was not paid. Again, this is 2 months late. I did not receive a notice of the first late fee. Since then the account has been closed but they continue to add late fees. 
Also, when I started this account it was with an introductory offer of {$100.00} which was never received I have asked about that offer and told them they could use that towards any fee but they refuse to acknowledge that offer.