davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following  particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent
Consumer complaint received 2020-06-23
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)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (OR)

Carvana forced me to give them my social security number and XXXX. XXXX says that's a credit card and XXXX says they can't ask me for that and since they broke the law getting it they are also committing credit card fraud because they used it to fleece my trust and since they took the money funds and didn't give me any binafits that's another crime. And I told them all of this over and over so ignorance is no excuse. I informed them of a list of laws and codes they where breaking several times. I have copies of our chat to prove it. I'll give you a list of a few.

15usc1602 15usc1662b 12cfr1002regb 12cfr1002.7 42usc408 15usc1691e 15usc1605 12usc4131 15usc1691e 15usc1679aand2 15usc1601 15usc1611 For starters. I need something done about this. I have signed contracts with them and the deal was done on more than one deal and they just cansle it and act like they never heard of me. Well I got the proof. And I need action taking to remedy the damages they have created. The same goes for XXXX XXXXXXXX and XXXX XXXX  and XXXX XXXX XXXX I was pre approved through XXXX XXXX  and now they are ghosting me so they are all screwing me and have no regard to the law. I have told them all over and over what their doing and they just treat me like XXXX. As the creditor remedy must be Givin. They all got rich off my trust and I'm left with nothing. Not ok. Not one has Givin me a list of diciding factors on why my limitless credit isn't good enough to give me what I need but it's good enough for them to fleece my trust and git rich. It's fraud and theft and since they gave me the ap and took responsibility as my trustee they need to go to prison. They all owe me millions. Please help bring these criminals to justice thank you
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WA)

Attempting to use my JCPenny  credit card ; my transaction of {$190.00} was declined while having an available spending limit over {$2200.00}. The app shows my account is due for the next payment on XX/XX/2020 for {$130.00}. I paid {$100.00} today, after the card was declined. I called the customer service line and was told that the card declined because it was past due and that I would need to make a payment prior to XX/XX/2020 and wait processing times for the card to be active again. I received no notice id late payment and confirmed with the accounts manager with synchrony bank that they did not send any form of indication. The app for my account does not show or post any past due notification.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Consumer complaint received 2020-06-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NV)

On XXXX XX/XX/XXXX, I received a " Welcome and Mortgage Disclosures for Loan # XXXX signed and dated for XXXX XX/XX/XXXX by XXXX XXXX, MLS # XXXX from Caliber Home Loans. I immediately called Mr. XXXX to better understand where this document with personal information including my date of birth and social security originated from. Mr. XXXX stated according to CPFB he was authorized to do so. I asked to speak to his immediate supervisor with no avail. Calling back, I was able to speak with Mr. XXXX XXXX MLS # XXXX. I asked who authorized Mr. XXXX to send my personal identification information through the mail. Mr. XXXX stated that Mr. XXXX submitted my personal information without my approval or authorization. This is the first time I have ever heard or seen either of these two gentlemen 's names. I have been a customer of Caliber Home Loans since XX/XX/XXXX time frame.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I received an invitation to apply for refinance on XX/XX/XXXX I used it to apply for refinance mortgage at Suntrust mortgage on XX/XX/2020, since then I have not heard anything and sent many emails without getting any reply, online the status is " reviewing documents '' I tried to call the assigned NLMS broker but did not get any response, I tried calling the toll free number but I stay on hold for more than 1 hour and eventually hang up.
Consumer complaint received 2020-06-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

On XX/XX/2020, I disputed information on my Experian consumer report with respect to incorrect information about my accounts ( attached ). Experian acknowledged receipt of my dispute by initiating a dispute of XXXX XXXX XXXX ( results dated XX/XX/2020 XXXX and declining to investigate XXXX XXXX XXXX in a letter dated XX/XX/2020. However, I have not been notified of Experian 's actions with respect to my other two disputes contained in the same XX/XX/2020 letter on page 2 ( XXXX XXXX  and XXXX XXXX XXXX. I attached relevant information of my disputes with XXXX XXXX  and XXXX XXXX including court records.
Consumer complaint received 2020-06-23
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. (LA)

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Consumer complaint received 2020-06-23
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. (LA)

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Consumer complaint received 2019-03-21
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. (MO)

My problem is with these credit agencies that's reporting unverified accounts without certified physical documentation and not with the creditors themselves inwhom I have no contract with. I have disputed the following accounts a few times but the response of the credit bureaus always account verified. Who and when was these accounts verified, # 1 XXXX XXXX XXXX XXXX, # 2 XXXX XXXX XXXX I'm demanding that the above accounts be blocked immediately and permanently if I'm not provided with certified physical documentation and the Method Of Verification used as stated by the laws of the FCRA . I'm enforcing my rights as an consumer.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$230000.00}
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PNC Bank N.A. (NY)

In XX/XX/2021, a scammer opened a prepaid debit card at PNC Bank in my name and using my social security number. The scammer also changed the address, email, phone number, password, and security questions on my online PNC account. 

I have a HELOC with PNC which is set to autopay, so I did not notice the fraudulent account for several months. As soon as I realized what was going on, I immediately notified PNC Bank and requested that they remove the prepaid debit card account from my account and investigate the matter. I have made repeated requests to the bank and spent hours on hold and nothing has been done. 

I was able to undo the changes to my PNC online account, but the prepaid debit card is still connected to it. I still don't understand how any of this happened and the bank has taken no action and offered no explanation or apology.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (DE)

Earlier in XX/XX/XXXX, I noticed that Wells Fargo closed my existing card with them due to inactivity. I wish I had used the card earlier to keep the line open, but I didn't. I believe the card was marked as Closed by Consumer ( Compliance Condition Code XA ) but should have been marked as Closed Due to Inactivity ( Special Comment CI ). This might be implied from the above, but I manage a bank 's credit reporting program. So if that could be fixed, I would appreciate that. But that's not the basis for the complaint. 

On XX/XX/XXXX, I applied for a Wells Fargo card as I want to continue my relationship with XXXX. I was denied - I've never been denied for credit, ever. I have deep lines going back ~14 years, no debt other than my mortgage and a small XXXX student loan ( so, no revolving debt ), no delinquency, ever, and overall I am in no way a risk. Depending on the scoring model and CRA used, my scores are > XXXX, many are above XXXX. I take extremely great pride in my credit. 

I called in and asked XXXX to reconsider the denial that same night. I spoke to a sales agent - I asked to speak to a judgmental underwriter, and was advised that someone would contact me. 

Then, on XX/XX/XXXX I called in again, and was told the same thing. 

Then, today ( XX/XX/XXXX - as I am writing this ) I was told that the app was recon 'd, and the recon was denied. No one called me from judgmental underwriting. And then I was told that there are no underwriters that call customers. Also, the customer sales rep sounded like he didn't even want to be working, didn't care about my issues, and overall was just in a hurry to get me off the phone. He advised me roughly 20 minutes ago that he would transfer my call to an escalations specialist, and I am still on hold - silence, and no one has answered. 

I'm beyond frustrated with this originations process and the lack of transparency with applying for this card, and the fact that I can't speak to anyone in underwriting at XXXX regarding the matter. If someone would actually just look at my XXXX  file ( I believe you pulled XXXX ), then you would clearly see I am a 0 % risk.
Consumer complaint received 2020-06-23
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)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-11-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

Quicken/Rocket Mortgage are in Violation of Respa Sec 8 Section 8 of RESPA prohibits a person from giving or accepting any thing of value for referrals of settlement service business related to a federally related mortgage loan. It also prohibits a person from giving or accepting any part of a charge for services that are not performed. These are also known as kickbacks, fee-splitting and unearned fees. 

Violations of Section 8 are subject to criminal and civil penalties. According to HUD, a person who violates Section 8 may be fined up to {$10000.00} and imprisoned up to one year. In a private law suit a person who violates Section 8 may be liable to the person charged for the settlement service an amount equal to three times the amount of the charge paid for the service. 

They are getting Insurance agents, Realtors, Financial planners to get their mortgage license and refer Quicken/Rocket loans/buyers etc and then they get paid 50bps. The Realtor, insurance agent, financial planner do no work on the file, they dont complete any of the required steps to get commission such as. take loan application, counsel, lock loan, price loan, structure loan, review disclosures, etc. They simply refer a name /contact info and get a 50bps commission
Consumer complaint received 2020-11-27
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. (UT)

1. My loan is fraudulent 2.they do not have original mpn 3. it does not have my signature 4. I have filed complaint with DOE and FTC 5. College had me sign a contract under false pretenses they told me my credits where able to transfer when they werent. Its been under investigation for over a year still damaging my credit.
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (VA)

I purchased a Western Union Money Order for {$490.00} and deposited it at XXXX XXXX XXXX. A couple days later on the XX/XX/XXXX, I received an email from XXXX XXXX saying, " Refer to Maker ''. So a week or so after I received this email, I sent Western Union everything including the receipt of the money order, along with the 'Refer to Maker ' letter so that I would not incur a fee as stated by the Western Union rep. Months and months go by as I can eagerly awaiting the arrival of my letter from western union so that I can take it to XXXX XXXX. No letter for two months!! Finally after non-stop calling day after day, they finally act useful and send it via email. I take this pdf letter to show a XXXX XXXX banker and they say, " there is nothing we can do ''. So now I'm back on the phone with Western Union and they say, " oh we'll send a source of receipt ( SOR ) so that XXXX XXXX has to give you the money back ''. I take the SOR letter to XXXX XXXX and AGAIN same line .... " sorry we can't do anything.. Western Union has the money. Take it up with them ''. For the past 3 months Western Union have been very unresponsive and unhelpful!!
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!! I DID NOT AUTHORIZE A MORTGAGE HARD INQUIRY!!!! I RECEIVED THE FOLLOWING EMAIL ON XX/XX/2020 : " Hi XXXX, We just refreshed your mortgage shopping offers for you based on your profile. As a reminder, you have 14 days to shop around after a mortgage hard inquiry without impacting your score! 

Your Shopping Window A lender checked your credit on XX/XX/2020. 

You have until XX/XX/2020 to check rates without hurting your score.1 icon Your Housing Profile XXXX  3.0 Credit Score Range : 660 - 679 ZIP code : XXXX Looking to refinance? 

If you're looking for a new home, we've searched our lender network. This is our top pick from our partners. 



15-year fixed from XXXX  XXXX  by XXXX  XXXX Interest Rate 3.375 % APR 3.455 % NMLS ID # XXXX Get my quote Looking for other options? 

If you're looking for other mortgage offers, check out our marketplace! 

Explore marketplace Wasn't you? 

This mortgage inquiry doesn't look familiar to you? We do our best to identify what financial product you applied for to give you advice and recommendations, but sometimes our algorithms can get it wrong. Please log in and review your credit report to make sure everything is good. 

Transactions you don't recognize may be a sign of fraud. If you didn't apply for a mortgage or other loan, you can file a dispute directly with the bureau. 

Cheers, The XXXX  XXXX  Team I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!!
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (AL)

If I have recently made a payment the SYNOVUS credit card website will not allow me to make another payment. I have other CC accounts that let me pay on them everyday if I so choose. I have spoke to SYNOVUS several times about this issue but I get no response.

They have even declared me dead, closed my account, took away all of my rewards points and I never even got an apology.

Back to the payment issue - it is my understanding that a creditor can not refuse payment of a debt or am I misinformed?

I really do not understand their behavior, I have never been late and I always like to pay my balance early so I do not accrue any interest charges.