davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

This garbage bank allowed thousands of cards to be compromised through their dinosauric computer systems. When customers try to complain, they are given the run around. I had a {$25.00} card drained by a hacker into their horrible computer system. Per their website I followed the instructions to dispute the card : XXXX XXXX XXXX XXXX " How do I submit a dispute? 
{ Option 2 } : Submitting a dispute by phone Call the number on the back of your card or the number listed on this website Listen to the prompts on the phone and select the option to dispute a transaction and select this option '' When I called, I had to call 3 times where I was hung up on and then finally the fourth call, I had to wait over an hour and was forced to talk to three different operators on that one call alone. None of which would take a dispute over the phone despite what their website said I could dispute over the phone.

This bank is a fraud. They know they compromised their customers secure data and then make it impossible to recover the stolen funds.
Consumer complaint received 2022-09-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AL)

I want to sue Rocket Mortgage. Because of their incompetence and dishonesty handling my home buying process im now losing my current home Ive owned for 11 years and not able to secure the loan they assured me several times would close at the same time. Both houses werr under contract. When rocket mortgage said they could no longer fund the loan the accepted offer in the house ubwas buying was cancelled but my hkme was still under contract to close and now Im not buying a house in time for the closing date that was supposed to be simultaneously done. I worked with them sunce day 1 of the process including listjng my current home that im about to lose. I think of as being robbed of my home. I did everything they said and was assured kultiple thay everything was as it should be and to co tinue through the process. The person handling was incompetent and obviously not responsible enough to handle this job. I was giving preapproval letters. Their excuse, lack of accountibility, or taking any responsibilty for their actions is that since it has been longer than 30 days since i left my last employer they coupdnt fund the loan. My last daycwith the employer is XX/XX/XXXX and the last updayed preapproval letter was given to me XX/XX/XXXX. They gave me reassurance and a preapproval letter even after the 30 days. They never disclosed any information about their 30 day rule nor disclose to me they were using my previous employeers in to qualify me for the loan. I had already gotten another job Iwas supposed to start this month. They told me thay all they needed was the job offer acceptance letter from what would be my new employer. Not only have they just cost me my home, they cost me a job too. I want to sue them.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by XXXX XXXX. XXXX XXXXXXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was Discharged. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.
Consumer complaint received 2022-10-14
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. (AR)

complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by XXXX XXXX  XXXX XXXXXXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was XXXX. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.
Consumer complaint received 2022-09-28
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. (MI)

I requested on XXXX XXXX2022 to have the address listed and incorrect names on my credit report to be removed. The following credit bureaus did not respond to my request. I told them that the information did not belong to be and I have no association with those addresses.
Consumer complaint received 2022-10-14
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. (AR)

complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by Capital XXXX. Capital XXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was Discharged. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (FL)

I have been calling numerous times over the last 4 months trying to get a promotional statement credit of {$100.00} for using my card. I have sent my email with the offer that was sent to me and copies of my statements showing I met the terms of the promotion. I have had my case escalated and given a number # XXXX. I have an email from XXXX XXXX, with no resolution. I was promised phone calls from XXXX XXXX and XXXX with resolutions and they never call. The amount of times I have called them and left messages is mind boggling. This is so ridiculous the customer service from PNC.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (NY)

I was solicited for a credit card by Best Egg, issued by XXXX XXXX XXXX XXXX in XXXX SD. I called their information number on XX/XX/XXXX to ask if this was a soft pull because I didn't want a card with a low credit line. I was assured by the rep that it was a soft pull until/unless I accepted the card. I asked him to make certain and he again assured me that it was a soft pull. After going to their website and applying, the amount of credit offered was too low and I fid not accept the offer. Within 5 minutes, I was notified by all 3 credit bureaus that there was a hard pull from these grifters. I again called to speak to a supervisor to reiterate that I didn't want the card and they needed to remove the hard pull from all 3 credit bureaus. She hung up the phone when I said I was recording the conversation.
Consumer complaint received 2022-07-26
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: Affirm Holdings, Inc (TX)

I am a victim of identity theft and there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.
Consumer complaint received 2023-05-24
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. (AR)

Despite of my multiple requests, again i want you to help me to remove these following items which are seems to be inaccurate on my credit file. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items are such an error on my file that needs to be removed 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 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NV)

I, XXXX XXXX, applied for a cashReward account under good faith and was denied. My federally protected consumer rights have been violated. Navy Federal Credit Union has discriminated against me, and used my social security number with no benefit to me. That is considered unauthorized use. I was also not provided full disclosure in the adverse action letter that was mailed XX/XX/2023.
Consumer complaint received 2022-10-14
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. (PA)

I have been trying for 6 to 8 months to have erroneous, fraudulent information removed from my consumer report with Equifax. I have made countless phone calls, submitted faxed documentation along with proper identification, written and mailed certified letters and still have not yet received remedy. I have made demands with this company to still have none of them met according to federal law. Pursuant to 15 USC 1681 : fair and accurate credit reporting. I am suffering from severe emotional and financial distress and harm due to the relentless efforts being ignored. Equifax is willfully and intentionally mishandling my private information all while continuing to break the law as well as breach their own company policies. I've reported this information as inaccurate, erroneous and fraudulent on several occasions through postal mail, phone calls and fax. I have spoken with countless reps and supervisors including XXXX XXXX of the XXXX XXXX XXXX Department as well as been transferred to the O.C.C. department and spoken with a supervisor by the name of XXXX XXXX whose employee ID # is XXXX, all on a recorded line. I was told on several occasions that this harmful information would be removed within 4 days, and I also requested updates to my consumer reports via mail to reflect such corrections and removals. As of today XX/XX/22 nothing has been done. I do not wish to file another dispute, I am demanding deletions. Equifax has failed to properly verify, validate, investigate or reinvestigate any of these accounts, and based on that alone they should be removed promptly. I also have communication from their Settlement Administrator regarding my data breach claim being accepted and processed for payment : Claim # XXXX. Equifax has requested me to submit FTC complaints which I have also done. The reference # is XXXX. I am demanding removal of all negative information including : bankruptcy, late payments, collection accounts, incorrect names, etc. This company has blatant disregard for my rights as a consumer and I am tired of being given the run around by them.
Consumer complaint received 2022-10-14
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: Continental Finance Company, LLC (GA)

XXXX violated violated the Gramm-Leach-Bliley Act ( 15usc6802 ) they never sent me the proper disclosures, one of which would've given me the ability to opt out of having my information reported to third parties ( XXXX, XXXX, and XXXX XXXX They also violated the Fair Credit Reporting Act 15usc1681a ( 2 ) ( A ) ( i ) by furnishing information regarding utilization but according to the law it says transactions and experiences between me ( the consumer ) and them ( person, continental finance LLC ) are excluded from my consumer report, utilization would fall under the category of an experience.
Consumer complaint received 2023-01-18
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove the following items that are harming my credit. 
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
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MN)

I have made multiple requests to have the reporting to XXXX to be consistent with the other reporting agencies. This has taken many years as the contact information provided by XXXX is outdated and my many requests that were sent to XXXX as provided by XXXX were redirected to XXXX and to a different company. To no avail, I complained routinely to XXXX that they were not providing valid contact information. 

Most recently, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I indicated in writing to PHH Mortgage Services that their reporting in regards to Ocwen was inaccurate. They denied having any knowledge of my account, although the account was routinely confirmed to XXXX. I finally received correspondence dated XX/XX/XXXX, from PHH stating that if I wanted to dispute the account, to respond by sending the verifiable documented proof. Sadly, they were responding to a letter that provided all of this documentation. 

PHH is reporting that a foreclosure started XX/XX/XXXX. This is inaccurate. The foreclosure was started XX/XX/XXXX and the mortgage was actually satisfied XX/XX/XXXX. This proper reporting is indicated as such on XXXX and XXXX.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO (CA)

Banco Popular continues to commit fraud by misrepresenting themselves as XXXX XXXX in a letter addressed to me in XXXX informing me that my card was going to be cancelled in XXXX but they didnt cancel the card or Freeze the card online as I had requested and instead allowed a charge to go through that resulted in late fees that they now refuse to remove so the account can be closed. A XXXX balance is not possible to achieve with this Parasitic Lender because they have devised their payment system to charge interest after the statement due date. For example, my statement balance is due on the XXXX and if I dont pay it by then I will be charged a late fee but the interest charges are placed on the card on the XXXX several days after you think your balance is at XXXX. If you missed the small interest charge it will result in a late and a missed payment fee. If you pay the interest by the statement date on the XXXX their will be yet another interest charge on the XXXX the cycle will continue in perpetuity. Banco Popular is just XXXX of the XXXX Parasitic Lenders that have attached themselves to me. And this is not just true for me but every single customer these Parasitic Lenders attach themselves to.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions