davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

It started with applying for a mortgage with Quicken Loans. They asked for the usual qualification question. On XX/XX/2021 we got our pre-approval. I was evaluated and pre-approved for an FHA loan for $ XXXX. After scouting for houses in the area, I found out the $ XXXX is not enough to get a house. I talked to the loan officer if they can increase the loan amount. They asked me to submit documentation to include pay stubs, w2s, bank statements and even my wife 's pay stubs and w2. They increased the loan amount to $ XXXX. 

After over a month of house hunting, on or about XX/XX/2021 we found a property an made an offer of $ XXXX. Our offer was accepted on XX/XX/2021. We put in our earnest money of {$1700.00} and option money of {$150.00}. We hired an inspector for {$370.00}. We are now a week into the purchase. After the inspection, we found that there are items to fix with the house. The seller agreed to lower the price to $ XXXX. 

On or about XX/XX/2021 I got call from Rocket Mortgage and we went through and signed the forms and got an approval letter for $ XXXX. On XX/XX/2021 I got another call from Rocket Mortgage that my loan was disapproved because my debt to income ratio was too high, Their reasoning is the Underwriters made a computation mistake.

I spoke to the Director of Mortgage and explained to him that we spent time, fuel, toll fees looking for a house for a month and even got penalized for withdrawing our XXXX in preparation for the closing. I asked the mortgage director if somehow they can approve the loan because it was their mistake. He said they would only refund the option and inspection fees. 

I want what's only fair, we spent so much time looking for a house had our hopes high and suddenly it was pulled right under us. They owe us the time, effort, cost for looking and the penalty for XXXX as a minimum. 

We are a first time home buyer and we had this bad experience. There is a large banner on their website when I applied " You are pre-approved '' print your pre-approval letter. This is very misleading.
Consumer complaint received 2020-05-17
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. (FL)

Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-02-10
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. (CA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following Inquiries in Identity theft. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Can not reach a human who will help. Automated numbers are disconnected or are circular redirections to intentionally frustrate. The recording instructs you to write to them by mail and disconnects you completely rather than redirecting to other options. Found a number and reached a human who told me I had to pay to receive my credit report ( illegal ).
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

Complaint filed Tuesday XX/XX/XXXX @ XXXX EST When I opened my Citgo Rewards Card ( serviced by Synchrony Bank ), I requested Paper Statements. I received my first paper statement which covered transactions for the period of XX/XX/XXXX to XX/XX/XXXX and had a payment due date of XX/XX/XXXX. I made my {$180.00} payment on time. Per their normal practice, they switched my statement delivery to electronic, without my consent. Since I did not have an online account to receive such statements, I never received the next statement for the period of XX/XX/XXXX to XX/XX/XXXX with a due date of XX/XX/XXXX. I called Synchrony bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a copy of the Statement for the period of XX/XX/XXXX to XX/XX/XXXX with a due date of XX/XX/XXXX and they say their system is Not able to retrieve that statement, because it does not even appear in their system. I was afraid that my credit would be harmed by a late payment, so I asked for their payment mailing address and what the current balance on the account was. I was told my current balance was {$220.00} which I am not able to substantiate or reconcile with my receipts, but mailed that amount to Synchrony anyway. Please order Synchrony Bank to provide me with the missing statement. Also direct them to stop switching Customers automatically over to the electronic statements after the first statement is printed, which I was told by a representative at Synchrony Bank is their normal practice.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

DEBT COLLECTOR WAS PAID IN FULL/ ARS WAS NOT IN COMPLIANCE ' INSURANCE COMPANY, PAID DEBT IN FULL AND SHOWED PROOF OF PAYMENT. 
FROM ( CFPB ) DOCUMENTS SCANNED IN.
Consumer complaint received 2020-05-17
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. (FL)

Someone use my identity to open several fraudulent accounts in my name I was not aware of any of these accounts I am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA 's. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00}.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (MA)

I had someone try to get a Credit card through Verizon shared account using my information and I didnt apply for it. I have a lock on my credit so no one should be able to give credit or run it but it seems thats whats going on with the back behind the card bc I got an email from some synchrony bank saying they wanted me to call them? I am not calling anyone bc I didnt want a card through Verizon and I dont want a hard hit to my credit for applying for something that I personally didnt apply for.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my XXXX  family? Please I need help.
Consumer complaint received 2020-07-07
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. (IL)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX  XXXX/XXXX, XXXX   XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX My name is XXXX XXXX. 
My phone number is XXXX ( XXXX XXXX XXXX
Consumer complaint received 2020-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Please see previous complaints that were lodged against Regions during the process of obtaining our mortgage and how the amounts changed from amounts originally quoted to the day of closing. Now, a year after our closing - our monthly payment increases by {$150.00}. That's over 10 % a month. This creates a real hardship for my family - all because Regions under forecasted our monthly payment in order for the numbers to look lower at the closing table - another deceptive tactic which has been deployed by this company. Please review previous complaints XXXX and XXXX both of which allege unfair, deceptive, abusive and unethical business conduct. A full investigation and examination should be conducted into this financial institution 's oversight function and compliance management system. I continue to receive letters from their legal team stating there is nothing wrong but where is their Compliance Department? This is a complete failure of any sort of second line effective challenge. 

Consumers depend upon accurate loan estimates and closing disclosures ( that's why regulations were put into place after all ) in order to be able to manage their finances. If we can't depend on those, how can we expect our consumers to be able to service their debt and the economy to not implode, causing a repeat of XXXX? 

Additionally, I am a XXXX US XXXX XXXX XXXX, serving XXXX. I have had multiple issues with the servicing of this loan. See complaint XXXX.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I hope this letter reaches you well. I am writing to express my deep dissatisfaction and concern regarding the persistent presence of fraudulent items on my credit report despite multiple attempts on my part to rectify this matter. The lack of resolution has had a profound impact on my financial well-being and has caused undue stress. 

The fraudulent items in question, associated with Credit Bureaus, were first brought to your attention. Since then, I have diligently followed your agency 's established procedures for disputing fraudulent activity, submitting all requested documentation, including police reports, affidavits, and any other supporting evidence to substantiate the fraudulent nature of these entries. 

Regrettably, my attempts to remove these fraudulent items have been unsuccessful despite multiple submissions and communications with your agency. Each time, I have complied with your requirements and provided the necessary information, yet the issue persists, casting a shadow on my creditworthiness. 

I am formally requesting the following actions be taken with urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
An explanation for the repeated failures to address this matter in previous attempts. 
An apology for the ongoing distress and financial hardship caused by the unresolved fraudulent items on my credit report. 
I understand that errors can occur, but the continued presence of these fraudulent items on my credit report is not only damaging to my financial standing but also undermines my trust in the credit reporting system. 

Failure to address this matter within the exact timeframe from the date of this letter may leave me with no alternative but to pursue legal remedies or involve relevant regulatory authorities to rectify this situation. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00}.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to dispute the fraudulent account with Bank of America I am a victim of identity theft and I never opened this fraudulent account with BANK OF AMERICA Credit Card with account number XXXX opened on XX/XX/2019 and a balance of {$3600.00}
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

My identity was used for a bankruptcy filing, the bankruptcy is reporting on XXXX, Equifax and XXXX as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We had our mortgage payment processed through Autopay, initial XXXX payment made on the XXXX. A second payment was made by B of A on the XXXX creating an overdraft which has been cascading since. Auto payments have been sent and rescinded on 3-4 of our accounts needing to be payed. The bank keeps telling us that we had two payments in Auto Pay for the mortgage. If that was the case they should have been payed concurrently not 4-5 days apart. Resolving this has been difficult due to the XXXX holiday which has a similar feel to the algorithmic problems of the overdraft problems created a dozen or so years ago. I digress, if we had mistakenly put an additional payment to our mortgage company and mistakenly did not properly delete it the second mistaken payment would have been for the old amount not the new amount paid in XXXX. Also every time we call in we have to start the whole process over and still can not get back the money that was taken out of the account. We are now entering more than a week we have been backing here for 30 plus years but will no longer in the future.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

My Equifax Credit File is missing positive information about my credit history ( Credit Cards, Auto finance..etc ). This was happened on XX/XX/XXXX when i check Equifax Credit Bureau Report., my name shows old last name and all my positive accounts got deleted, account removed while back that came back, closed account on XXXX is reported as active and current employer removed..etc..The result, I dont have any credit history as per Equifax., ( i got denied for a credit card application on XX/XX/XXXX due to lack of credit history ) Equifax always making mistakes about credit file not reporting correct information., and i lost identity when Equifax had data breach incident happened. 
Equifax ruined my Credit, i send copy of my Social Security Card, Drivers License and address proof numerous times to them to correct my personal information but they never corrected.