davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I received a loan from Rocket Mortgage on XX/XX/2022. I was told that when my previous home sold I could put a lump sum payment onto my loan. At this point they could redo my loan. The interest rate would stay the same but the payment would be lowered.The fee for doing this would be {$100.00}. When I called to do this I was told I had to have XXXX payments made on the current loan. After I made the XXXX payments I called again and was told it had to be XXXX payments. After I had done this, I called again and was told if I had made XXXX payments they could also get me a lower interest rate. I said sure, she did my loan as a refi and there was to be a {$14000.00} cost to do this. I told them forget that just do the the original offer same interest rate with a lower payment. I was then told I needed to have the XXXX payments and a extra payment on the prinicpal of {$10000.00} and the fee is now {$250.00}. 
They told me NOT to pay the extra lump sum on loan. 
I'm a senior age XXXX and they took advantage of me. 
I fill like this is a bait and switch game. 
Every time I called different answer but always for me to make additional payment at larger loan amount.
Consumer complaint received 2023-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have a consolidated XXXX loan that is serviced by Navient. My loan originated in XXXX with an interest rate of 4.375 %. I have faithfully made all payments for the past XXXX years. In or about XXXX, XXXX I enrolled in XXXX with Navient, which entitled me to a .25 % interest rate deduction on my loan and monthly payment amount. My minimum monthly payment ( without the interest rate deduction ) was calculated at {$440.00}, which is the required minimum amount I have been paying since XX/XX/XXXX ( based on XXXX records- for which I doubt the veracity thereof. Navients processes and communications are repleat with errors ). Navient has acknowledged, in writing, repeatedly, that Navient ( either intentional, recklessly or negligently ) used the wrong interest rate my monthly payment amount for 15 years. Even according to XXXX own correspondence, they have acknowledged that, for the period XX/XX/XXXX to present they were using the wrong interest rate ( Navient used XXXX instead of my actual interest rate of XXXX XXXX Thus Navient wrongfully collected and retained thousands of dollars ( over the course of XXXX years ) to which they were not entitled. That was my money, it should have stayed in my pocket and earned interest. Navients responses to my complaints have been along the lines of even if though we calculated your monthly payment amount using the wrong interest rate, you ultimately owed more money than we collected ( ie my total outstanding loan balance/interest exceeded the overage amount Navient wrongfully collected and retained ) so we did nothing wrong ; we will not return these overcharged payments to you and we did nothing wrong by collecting more than we were entitled to. I want my overpayments returned to me, plus Massachusetts statutory interest applied to those amounts for the 15 years during which Navient overcharged me, wrongfully retained said overpayments, and their false, deceptive, misleading and fraudulent communications surrounding this matter which were designed to obfuscate Navient wrong doing and, by proving false and fraudulent information, dissuade me from pursuing rightful compensation in this matter. I demand Navient reimburse me well over {$5000.00} in actual and punitive damages as allowed by applicable federal and state law.
Consumer complaint received 2023-03-12
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: Mr. Cooper Group Inc. (TN)

Reporting late payments. 
accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I applied for assistance with Texas homeowner assistance Fund on XXXX and they denied my, case # XXXX, it was updated on XX/XX/XXXX. My payment was XXXX and all of a sudden when covid hit, they went up to XXXX in which caused me to experience hardship. I contacted wells fargo to let them know I was going to apply for the XXXX on line on XXXX. they paid only my HOA dues only, everything was submitted and they keep having me to continue sending same infomation for app. I keep submitting what was needed. My second case # I applied was updated XXXX on XXXX. the third case was # XXXX and they said I did not have any delinquency. I updated again on XX/XX/XXXX and after that update they said I can nolonger submit another XXXX XXXX, they were going to investagate. they fedX me some paper on XXXX XXXX to pay XXXX by XXXX XXXX to avoid acceleration. I tried to make a payment of XXXX in which they had on my statement, but when I try to pay it on my account it had XXXX and it would not allow me to pay the XXXX they also had XXXX payment also, I am confused, this is not truth in lending.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (IA)

I am a Federally Protected Consumer and I know I'm protected by the FAIR CREDIT REPORTING ACT. EQUIFAX AND XXXX XXXX XXXX appear to both be Violating my F.C.R.A rights by furnishing and reporting Inaccurate Information on my Equifax credit report. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX is furnishing to EQUIFAX " DUPLICATE ACCOUNTS '' but with different balances, with negative information late payments, and showing a false installment account total of {$31000.00}. Having these duplicate accounts with false inaccurate damaging information reporting on my credit report has stopped me from extending credit which is my FEDERAL RIGHT to operate in commerce. I only want at this point is to have BOTH accounts furnished by XXXX XXXX XXXX AND REPORTED BY EQUIFAX DELETED IMMEDIATELY PER THE FAIR CREDIT REPORT ACT so I can have a fair and equitable to me credit report which is my FEDERAL RIGHT. These duplicate accounts are clearly in Violation of the F.C.R.A I'M ASKING FOR THE CFPB TO ENFORCE THE COMPLIANCE OF THE CONSUMER FEDERAL PROTECTION LAWS ESTABLISHED BY CONGRESS.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2021 Synchrony bank/ Paypal has accessed my credit report from XXXX XXXX I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a clear violation of my rights.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC (TX)

This is incredibly horrible. 
My new credit card company " best egg '' aka " XXXX XXXX '' has just cost me a bundle. 
They wrongfully charged my checking account twice and I got NSF fees from my bank. Then they proceeded to charge me an NSF fee themselves. 
I wrote them about it but they did not resolve this matter voluntarily. 
I just sent all of the money that I was supposed to pay them. 
They are claiming I still owe them hundreds plus fees.
Consumer complaint received 2022-12-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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 a account without my written instructions
Consumer complaint received 2022-12-29
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)

I recently singed up to XXXX XXXX to review my credit report and notice a fraudulent account on my report being with XXXX. I mailed in my ftc.gov report to the credit bureau to fix this issue on my account and the account is still being shown
Consumer complaint received 2022-12-29
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: LEXISNEXIS (MD)

On XX/XX/2022, I completed a CFPB complaint on XXXX, XXXX, Lexis Nexis, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. XXXX  also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.
Consumer complaint received 2022-12-29
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  Account 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 a account without my instructions.
Consumer complaint received 2022-12-06
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: LEXISNEXIS (VA)

Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX XXXX breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the XXXX information being reported. These inaccuracies are hindering me from XXXX XXXX XXXX XXXX XXXX causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These false reporting have cost me many business deals one that would have worth close to a XXXX dollars, credit cards being closed and/or reduced to XXXX XXXX. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I have been trying to dispute for years these credit card companies who's accounts where open in my name fraudulently. Ive reached out to them and credit bureau and still has remained on my file. cause great trauma to me and my credit score for years. the companies are. XXXX, XXXX, XXXXXXXX Best Buy, XXXX and XXXX XXXX
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (CA)

This complaint relates to US Bank account number XXXX. ( co-borrowers XXXX XXXX and XXXX XXXX ). We have had this loan with US bank for approximately 6 months and have never incurred a late payment until we tried to schedule the monthly payments to auto-draft. For the months of XXXX and XXXX we mailed one payment and called in the second payment. Both were made timely even though there were issues receiving the monthly invoices. 

To avoid the issue of receiving the monthly invoices, in XX/XX/2022 I signed the necessary paperwork to allow my bookkeeper to enroll the payments to be auto-drafted. My bookkeeper confirmed that all payments forward would be paid via auto-draft. The same month, XX/XX/2022 my bookkeeper contracted XXXX and has been off work on XXXX thru to date. I am unable to communicate with her about this payment or any other issue. Immediately upon learning that the XXXX and XXXX payments had not been made and confirming with my bank no auto-drafts had been executed, my new bookkeeper made both the XXXX and XXXX payments on XX/XX/2022. Additionally, the new bookkeeper made sure to schedule the payments to auto-draft in XX/XX/2022 and forward thru the term of the loan. My new bookkeeper has confirmed that the XXXX payment did in fact auto-draft on XX/XX/2022 and can see online that the XXXX payment will draft on XX/XX/2022, In the interim, US bank XXXX to the various credit bureaus the late payments for XXXX and XXXX which drastically impacted my credit score. I have never had late payments on any of sorts and my credit score has never dropped this severely.

I think it's unfair of US bank to report me and my partner to the credit bureaus when we were not receiving invoices and trying our best to set-up the payment to auto-draft to avoid the issues we are now facing. 

I can't communicate with my bookkeeper who is out on leave because of health reasons or I would check to see if she had any communications or confirmations in XXXX when she originally tried to schedule the auto draft. 

We were unaware that the account was delinquent until an email was received by our accountant from XXXX XXXX  ( XXXX ) alerting us that the bank offers hardship options. Even two months overdue, we had not received a notice in the mail alerting us that the payments were delinquent. We received the email from the bank on XX/XX/2022 and we paid both delinquent payments on XX/XX/2022.
Consumer complaint received 2023-01-29
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. (NC)

I got into a retail installment contract with XXXX XXXX XX/XX/XXXX & every since XX/XX/XXXX they have been reporting XXXX XXXX XXXX XXXX XXXX days late on my consumer report. My payments are due every month on the XXXX. If I dont make a payment by the XXXX on the XXXX they are reporting 60 days late on my report. I requested that they update these inaccuracies in XXXX but nothing changed.
Consumer complaint received 2022-12-29
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. (GA)

I AM A VICTIM OF IDENTITY THEFT AND IT'S A FEW FRAUDULENT ACCOUNTS REPORTING TO ALL XXXX CREDIT BUREAUS AND SHOULD NOT BE BC IT'S ILLEGAL AND I WAS NOT AWARE. I HAVE CONTACTED THE COMPANY 'S AND THEY SAID CONTACT THE BUREAUS TO DELETE THE ACCOUNTS BUT NOTHING HAS HAPPENED. I ALSO FILED A POLICE REPORT AND I'M READY TO SUE IF THIS ISN'T HANDLED WITHIN THE NEXT 15 DAYS. PLEASE DELETE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE THE INQUIRIES, 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 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

The inquiries below do not belong to me and were not authorized by me. Please remove them. 

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
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Hello Transworld, The property was sold on XX/XX/2018 and informed XXXX of the closure account over the phone. The balance was nil. We have also sent a copy of the HUD statement to XXXX on a follow-up call with XXXX. XXXX has agreed to clear the balance upon receipt of the HUD statement. This was already reported in the past and removed after investigation. Not sure why it is popping up again. The balance is incorrect and is more than 3 years old. You are trying to collect the balance illegally and unethically hurting my credit score. This is the last warning before any legal action and damages for {>= $1,000,000} damages to Transworld Systems. Please find the attached HUD statement provided to XXXX and take the necessary action. 

Note that the name in the statement is not mine. Not sure whether this causing the issue with XXXX. 

In accordance with the Fair Reporting Credit Act, this creditor ( Original creditor - XXXX XXXX, collection agency - TRANSWORLD SYSTEMS INC ) has violated my rights under section 15 u.s.c. 1681 section 602 states I have a right to privacy. Under section 15 u.s.c. 1681 section 604 a section 2 says that the consumer reporting agency can not furnish an account without my written instruction. The collection amount and date are incorrect and it was already reported to the Original creditor - XXXX XXXX and the credit collection agency - TRANSWORLD SYSTEMS INC.
Consumer complaint received 2023-03-20
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. (WI)

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (NC)

I recently looked at my credit report and noticed this company XXXX XXXX XXXX is reporting a collection on my report. Unlawfully incorrectly and this is hurtling my chances of getting a home. I will pay what they said I owe under one condition.

1. The validation of the debt 2 verification of their claim you ; that is a signed invoice 3 a copy of the contract binding both parties IF THEY CAN NOT NO PROVE THIS PLEASE DELETE
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gusdorf Law Firm, LLC (GA)

This Law Firm is very shady in their process serving business. Their vendor committed perjury in order to attempt and garnish my wages. I was never given the opportunity to appear in court as I was never served in my place of residence. The Process server lied and committed perjury in order for Gusdorf Law Firm to take action.
Consumer complaint received 2023-04-07
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. (VA)

This is now the third time I have disputed this duplicate mortgage account. I have tried many times to dispute this through the Equifax website but they keep returning that the account is correct. This is a duplicate mortgage account with the same servicer, same account number etc. Twice they have said they have removed the account but the problem remains that they are deleting the correct account. Because of this each time they say it is corrected and the next month rolls around where I make an on time payment the account is duplicated yet again. 

The correct account is XXXX XXXX with a balance of {$270000.00} last updated XX/XX/2023. 

The duplicate account is : XXXX that has not been updated since XX/XX/2023 with a balance of {$270000.00}. This duplicate account has not been updated since my last dispute which is why the amounts do not reconcile. The address is XXXX Old XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

I have attached a screen shot of the two accounts with the correct XXXX account and the duplicate XXXX  account clearly marked. 

Please delete the correct account. If you delete the correct one again this will just happen again next month.
Consumer complaint received 2023-03-20
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: OLIPHANT FINANCIAL, LLC (AE)

In XX/XX/XXXX, XXXX XXXX placed a collection account in the amount of {$920.00} on my credit report, from a company, OLIPHANT USA LLC. There was no letter of notificaiton of the debt. Additionally, the " investigation '' did not provide the original document/promissary note, nor my signature that I agreed to pay this debt. No validation was suppled when disputed. I have never lived in, nor did business with any organization in Florida, nor with XXXX XXXX  in XXXX. XXXX XXXX states the debt is valid, but, no proof of the debt has been provided. 

I have written to the company for request for validation and it was ignored. 
XXXX - Dispute XXXX XXXX XXXX XXXX, PA XXXX