davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rapid Mortgage Funding Inc. (VA)

During the process of securing to refinance my property I negotiated a cash to closing amount of {$11000.00} which was agreed upon with Rapid Mortgage. I have in hand a Closing Disclosure document with that figure clearly stated. The Closing disclosure document is dated XX/XX/XXXX. The closing date is XX/XX/XXXX and the disbursement date on the document is XX/XX/XXXX. 

On XX/XX/XXXX I met with a Notary to finalize our agreement, however, the closing document she presented had {$9900.00} as the Cash to Close amount. I immediately called Rapid Mortgage and spoke to a person who identified himself as the owner and said his name was XXXX. When told of the discrepancy between what we agreed and what was on the final document, XXXX XXXX said that there is a mistake on this document and that the Notary charges have been overstated by the difference. He then assured me that prior to my having to make my first mortgage payment ( due XX/XX/XXXX ) that he would send me a check and/or transfer the {$1000.00} difference to my account. 

I have placed several phone calls to XXXX XXXX and he has repeatedly promise that the check is in the mail. To date I have not received the difference. 

I feel that I have been lied to and cheated. This company has actually stolen {$1000.00} from me.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (IL)

There are two companies involved in the debacle of my mortgage origination : XXXX XXXX and Guaranteed Rate mortgage. I was refinancing my mortgage and when I originally applied I had about {$120000.00} left on the mortgage. Their good faith estimate said it would be {$130000.00} rolling in all costs to account for anything that might creep up during closing. When we got closer to closing it became clear that the XXXX was more than {$3000.00}. Because we were at the end of the process they did not want to send the mortgage back to underwriting. Rather they said they would give me a credit at closing of {$1000.00} and a principal reduction that should have reduced my mortgage to {$130000.00}. I have been going back and forth with the mortgage company. They acknowledge it is an issue. I happen to be good at math and kept correcting mistakes in their paperwork. I wonder if people that were not as good at math would have found this. When I received the login to the website three weeks ago it says I owe {$130000.00}. It is unreal how much follow up I've had to do to correct this. The mortgage company says it was a mistake by the title company. The title company is owned by the CEO of the mortgage company.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This constitutes my fourth and follow-up complaint, underscoring my unfortunate victimization by fraudulent activities. I present this complaint to contest the inclusion of certain items in my file, directly stemming from criminal activity. The mentioned items bear no association with authorized transactions involving the acquisition of goods, services, or funds. I urge the expungement of these items from my credit file, as per the directives outlined by the respective bureaus : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached my new FTC report with reference # XXXX to this complaint.
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Cottonwood Financial Ltd. (TX)

XXXX XXXX last 4 my account is paid in full at the cash store as I only owed {$970.00} my principal amount was {$900.00} I paid the Cash store in XX/XX/2017 {$300.00} in XX/XX/2017 I paid {$240.00} in XX/XX/2017 I paid {$180.00} in XX/XX/2017 I paid {$240.00} that should add up to {$960.00} I wed XXXX dollars in total I never made the XXXX dollar payment but I can definitely give it to you now if you would like to take the XXXX dollars???? 

you are the seventh collection agency to call me even after it was paid way back in XXXX. I have turned the Cash Store into the financial bureau for unlawful collections because they keep selling my account like I never paid it and it was paid in full, except for XXXX dollars. 

The company gave me this info orally over the phone -- but refused to give me a print out. They sell ( or turn over the accounts to several creditors ). I get numerous calls from different collection agencies, and I go through the painful process of explaining that the loan was paid in full over and over again. This is harassment, and unnecessary. 
I am still getting calls, this loan was paid off in XXXX.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I had a joint checking and savings account with my wife. We thought that our accounts were compromised and on Friday XX/XX/XXXX, I closed the accounts and opened new ones. My wife was not with me and I was not allowed to add her to the account. Later that afternoon, my wife received an email alert with MY balance. She received another on on Saturday, Sunday and Monday. She is not on the accounts and she is receiving daily balance updates. Schools first says that it takes time for this to stop and won't fix the problem.
Consumer complaint received 2016-09-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

I have been trying to modify my Heloc loan with US Bank for 2 1/2 years. I sent a hardship letter XX/XX/2014, stating I had lost my job, and was living on S.S. Also, my daughter had stopped paying on her 1/2 of the loan. Subsequently I have submitted a minimum of XXXX applications for relief. I have sent to the bank all of their documents, albeit sometimes it took a while to gather the info. Many times, the bank claimed they did n't receive the docs, and when they would finally get back to me, the docs had expired. US Bank forced me into bankruptcy XX/XX/XXXX because they threatened to sell my home on the courthouse steps. I am still unable to make the payments because of my income status which is the reason I started this in the first place. At the first application I owed $ XXXX, now thanks to their delaying tactics, I owe over $ XXXX. They have given me lip service that they dont want me to lose my home, but yet delay, delay, delay! I think US Bank is unethical, and crooked. I even sent a registered, certified letter to the CEO XX/XX/XXXX, and not the slightest response. I am XXXX years old, have lived in my home for 46 years, and at this stage do n't want to be thrown out on the street. There is nowhere I can live where I can have what I have for what I pay. At my latest complaint I filed with US Bank, I stated I could pay {$400.00} per month, even though this is still a hardship. Can you help?
Consumer complaint received 2022-08-13
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

the company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have a right to privacy and I never received or was told that I could Opt out from my nonpublic information from get report. This is a violation of my consumer rights and identity theft
Consumer complaint received 2024-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business & Professional Collection Service Inc (NV)

Went to Renown ER last XX/XX/2023. I didnt know I have a different bill other than what Renown billed me because I didnt receive any bill from XXXX XXXX XXXXXXXX but they sent my medical bill to collections agency without any notice amounting {$920.00}. I just knew I had the bill because I was going through my insurance app. They said they sent the bill but the collections agency told me they did not because they dont have my Apartments Unit number. I tried to work with them and the collections want to charge me interest. Its so unfair because if they just sent me the bill, I wont have to deal with collections and I know Im always on top of my payables because I dont want a negative impact on my credit score.
Consumer complaint received 2024-05-07
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Collection Receivables, Inc. (GA)

XX/XX/2024 I have been contacted by a collection receivable company and informed that I have to pay {$1300.00} for breaking the lease with the gym. I explained that I have already contacted the fitness company to provide them with a medical report advising that my wife and I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they refused and insisted that I am bound by the contract and must pay. Additionally, this fitness company has not been honest. When I first visited them and mentioned that I might need to cancel anytime due to my back issues, they assured me that there would be no extra fees and that I could cancel anytime, as confirmed by a staff member named [ I can proved her name if needed ]. Finally, they charged me an additional {$39.00} after XXXX months from my contract as annual maintenance fees. 

They began contacting me on both my personal and work phones, which could negatively impact my reputation at my workplace. This behavior is not ethical, as this matter is personal and should not interfere with my professional responsibilities.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

Continuation of Case number : XXXX - I tried to respond in my case, but there was no place to do so, first this has absolutely nothing to do with a foreclosure, my credit score is a XXXX, I have never missed a payment and am looking at purchasing a new house and as I stated only clicked on the link in the email to see the current rates. So please do not send me links about if I am in foreclosure or in debt, I am in neither! I received a letter yesterday from CHASE - the people who have been calling and the link I clicked on stating that they received a request from my on XXXX XXXX, 2017 and expect to have an answer or status update for my by XXXX XXXX. I did not make any request or submit any information, I closed out of the link before submitting anything to them, I certainly did not give them my SS # or request that they process a loan application for me. Their Mortgage Banking Executive Office # is XXXX ; I want this reported and handled ; this is a complete misuse of their power and I have been completely violated, they have no authorization to run anything of mine, let alone call me 14 times a day. 
XXXX XXXX
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX placed a collection tradeline on my credit report some years back. The account was settled and paid XX/XX/XXXX. The account was removed from my transunion credit report XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX it was reinserted on my credit report after it was already paid and previously removed. I disputed it with the credit reporting agency and they failed to remove it. I disputed it with XXXX and they 've also refused to remove it. 

I want it removed from not only Transunion but from all three credit bureaus
Consumer complaint received 2016-07-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WA)

This is regarding case # XXXX. I am submitting a new complaint because I have acquired my own evidence that US Bank owes me a reimbursement. I requested my PMI to be removed once I met the qualifications and they did not remove it automatically as the attached documentation from the FHA/HUD specifies to do. Thus, they owe me the amount of PMI I overpaid from XXXX 2016 to XXXX 2016. 

It is disheartening that I specifically requested US Bank to provide documentation from the FHA that spoke to this yet they continued to send me their own interpretation and it was incorrect. I am tired of consumers being treated this way by these large organizations.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After looking at my credit report, I saw a collection account that does not belong to me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine. The account is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$250.00}.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NY)

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

XXXX  is reporting three ( 3 ) delinquent accounts from AES/XXXX XXXX. As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted AES/XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per XXXX, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XXXX Capital One held my money because they suspected I was doing fraud depositing a 3rd party check. The truth is that all these checks were deposited with the consent of the other persons, Capital One verified the identity of these people and checked that everything was fine. The Fraud department representative told me that my money would go back to my company but it never was deposited. On XX/XX/XXXX, Capital One made an electronic withdrawal from my checking and savings account for a total of {$10000.00}. That money includes all my deposits and XXXX  transactions. I called several times asking about my money and nobody could tell me where my money went.
Consumer complaint received 2024-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MO)

It has been over a month now in which I received a statement from MOHELA, stating that my XXXX payments between XXXX and XXXX qualify forTEPSLF. But they will not update my account or my qualifying payments. I have sent multiple emails asking for updates and the only updates I receive are the ones with current payments. I am currently at XXXX qualifying payments yet. They will not add the XXXX qualifying payments from XXXX to XXXX in which MOHELA even states that I qualify for. Please see the attached email from MOHELA Verifying the payments from XXXX to XXXX. The company will be shutting down for the next XXXX months in which they will not be adding any qualifying payments. I have been asking MOHELA to update these payments before the shutdown so that Im not paying almost {$400.00} a month while they are shut down when they have known and plenty of time to qualify me for public student loan forgiveness. I have been paying on these loans for over XXXX  years so theres an absolutely no reason why they can not update my account.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I ordered a XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX for XXXX XXXX XXXX XXXX from XXXX XXXX I paid {$1100.00} for the XXXX using my Bank of America Visa Card. 
I received the XXXX on XX/XX/22. 
The XXXX listing stated that the seller accepted returns provided that the buyer paid for the return shipping. 
For reasons unknown to me, XXXX did not record the transaction in my XXXX purchase history. XXXX requires that the buyer select the item he wishes to return from the buyer 's purchase history. As a result, when I repeatedly attempted to initiate XXXX 's return procedure, I was unable to do so. XXXX replied to each of my attempts stating " We couldn't process your request because of a technical issue. Please try again. '' The seller originally listed the item as " Returns Accepted. '' Later, XXXX advised me that the seller was offering me a " partial refund of {$100.00}. '' After the transaction was concluded, the seller unilaterally changed the terms of the sale contract. 
I was unable to return the merchandise for the reasons stated above.
Consumer complaint received 2020-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Last month I received notification that my credit limit was decreased from Synchrony/Lowes. This month received noticed that they closed my account. I have an account in good standing. Payments made, credit limit not maxed out. Credit limit was {$1000.00} before they decreased to {$700.00}. They stated that they closed my account due to not having real estate, high balances on other accounts. I have a XXXX % payment history. I have been working on my credit to purchase a home and now this is going to set me back by my account being closed. I attempted to speak to them and they kept citing the reasons why my account was closed. Not understanding myself why an account could be closed with payments being made and had available credit on account and why they are citing reports from credit bureau as the reason they closed my account. My account is not in default and monthly payments are made. I have had this card for XXXX years and have not been a liability but suddenly I am.