davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MA)

After several conflicting statements, Dovenmuehle has indicated that they have cancelled private mortgage insurance on my mortgage as it has met an 80 % XXXX. Since this point in time they have run multiple incorrect escrow analysis statements including but not limited to : Incorrect disbursement date and incorrect amount for property insurance Elimination of escrow for property insurance ( this was never requested by me ) Continued billing for XXXX  despite written acknowledgement that XXXX  has been cancelled I have contacted Dovenmuehle on multiple occasions via telephone and email to discuss all of the above. They have not responded and the escrow analysis continues to be incorrect. I am required to pay whatever amount they bill me despite it being incorrect otherwise they will report the loan delinquent to credit reporting agencies.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (MD)

This credit reporting agency has been reporting my personal financial information as a third-party company without permissible purpose. They have reports from XXXX, XXXX and XXXX XXXX negatively impacted my scores. I have contacted this company on several occasions to have them remove. These negative reports off of my credit reporting and they have ignored my requests. 30 days have passed. This is causing me financial hardships and discrimination from other financial institutions as neither of these companies can validate these claims. After several attempts to get them to remove these reports from my file.
Consumer complaint received 2021-09-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (NC)

On XX/XX/XXXX I applied to refinance my VA home loan online with XXXX XXXX. 
I was given a " to do '' list of documents and other steps I had to make. 
All of these items were completed by XX/XX/XXXX. There were two items that are still pending review. Tax Returns, and the Mortgage Statement ( attached ). The details page of the account information listed an account ID, a loan number, and an estimated closing date of XX/XX/XXXX. ( attached ) this information has not changed as of XX/XX/XXXX. On XXXX I emailed my loan officer to find out the situation. She did not email me back until XXXX on XX/XX/XXXX. In the email she claimed to have reached out to me 2 months ago, about tax returns and average net income. If I had know this 2 months ago I could have looked somewhere else for a refinance, but since I had signed the initial loan estimate I felt like I had to wait for them. In bold letters it says " NOTE : DO NOT SIGN THIS FORM UNLESS YOU WISH TO PROCEED WITH THE LOAN APPLICATION COVERED BY THE LOAN ESTIMATE. IF YOU DO WISH TO PROCEED, PLEASE RETURN A SIGNED AND DATED COPY OF THIS NOTICE OF INTENT TO PROCEED TO THE LOAN ORIGINATOR. '' I completely understand that they do not think I qualify for a loan from them. My issue is that they did not inform me of this until after several months of waiting, and I had to ask them what was happening.
Consumer complaint received 2021-09-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

A public record of a bankruptcy discharged in XXXX was inaccurately reported across all three credit bureaus. I have disputed the information with all three bureaus for over a year. I finally got confirmation from the federal court that they do not verify bankruptcy information with the credit bureaus. The credit bureaus then told me after finally responding to the disputes that they use XXXX to verify public record information. I froze my XXXX account on XX/XX/XXXX. I then submitted a dispute of the bankruptcy information on XX/XX/XXXX to all three bureaus. XXXX did remove it from my credit report with them, but Experian and XXXX have not. Their response says they verified the information with XXXX, but they could not have because my account with them is frozen. 

XXXX has replied in writing how they receive their information about public records from XXXX, but Experian has failed to send me any response to my disputes in regard to the bankruptcy and how they verified the information. 

As seen in my attachments, the federal court attached to the bankruptcy provided written proof they do not verify bankruptcy information with the credit bureaus. XXXX confirmed they use XXXX to do so, and it is my understanding that is how Experian receives such information ; but they never responded to my request to prices written proof. Since my XXXX account was frozen by the time I submitted my dispute, XXXX nor Experian could have verified the information and by law must remove it as XXXX did.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX REC XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX 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 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I was working with Rocket Mortgage to secure a loan for the purchase of a new home. I secured a preapproval for {$700000.00} at a 2.7 interest rate and XXXX points with only 11 % down payment. 

Upon having an accepted offer approximately 1 week after the preapproval, Rocket Mortgage increased the interest rate to 2.99 ( not a problem ) and increases the points to XXXX ( where I have my problem ). 

To go from XXXX point to XXXX in approximately 1 week felt like an unethical/predatory leaning practice. It appeared as if Rocket Mortgage worked closely with me to understand my needs and financial situation, offered me loan terms are not available else where in the market, waited for me to have a signed contract, and dramatically changed the loan terms from the preapproval that would force me to either pay inflated points or have my financing fall through and I lose my due diligence {$30000.00}. 

Going from ~ {$3000.00} in points to ~ {$16000.00} in points is beyond the pale. My expectations for filing this complaint is for this governing body to determine if what happened in my case was truly unethical/predatory and handle accordingly.
Consumer complaint received 2021-12-08
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard (CO)

On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX XXXX, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with XXXX XXXX XXXX and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the XXXX XXXX XXXX account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from XXXX XXXX XXXX  and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to XXXX XXXX XXXX as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with XXXX XXXX XXXX. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, thank you.
Consumer complaint received 2021-09-13
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: General Motors Financial Company, Inc. (MI)

On XX/XX/2020 AND XX/XX/2020 a finance inquiry was posted to my credit report initiated by GM Financial. This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( GM Financial ) can only furnish a consumer report in accordance with written instructions of consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as a consumer have been violated and my privacy has been breached.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

I have been trying to obtain my credit score along with a detailed copy of my credit report for about 6 months. I have tried numerous forms of communication with Experian to handle this issue but nothing has changed. First I was told for security purposes they couldnt update or provide me any information so I completed the recommended steps and nothing happened. Upon calling back with the same issue I was then told they couldnt update or provide me any information because there was a freeze on my account. I proceeded to unfreeze my account and was given a reference number XXXX and was told the freeze was removed. And still to this day XX/XX/2024 I am still unable to review my current credit score or report with Experian.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

XXXX  XXXX XXXX successfully deposited a payment to my PayPal direct deposit on XX/XX/21. Door dash deposited another payment for {$340.00} on XX/XX/21 and have confirmation it was successfully deposited XX/XX/21. PayPal states they have no record of this deposit and I have not received the funds. 

XXXX XXXX confirmed the direct deposit account information was correct. They provided trace id XXXX. I had a 3 way call with door dash and PayPal. According to PayPal, even with the trace id they can not locate the deposit. They said it was XXXX XXXX responsibility to take corrective action with the missing payment. 

XXXX XXXX stated the money was already withdrawn and the transfer was completed. They can not reverse the payment without withdrawing the payment from the direct deposit account. They could then reissue the payment but that would only bring me to a XXXX balance since the funds were never deposited. 

PayPal said it is not their responsibility and I would have to speak to the bank that services the direct deposit transfers. I spoke with XXXX XXXX fdic and they informed me that PayPal provided incorrect information and they are responsible for resolving the missing payment issue. 

PayPal told me there is nothing they can do about the situation.
Consumer complaint received 2021-10-05
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. ()

XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX  and equifax so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and equifax. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.
Consumer complaint received 2022-07-18
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 XXXX XXXX Acct # 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 2022-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than 20 fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i need your help please asap..
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (DE)

I went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX, Transunion, XXXX And XXXX has violated my rights under the FCRA which has cuased actual damges of mental anguish, Lost of opportunities, Defame of character, and Reduction of credit limit I've sent out several letters the last one dated on XX/XX/2021 that none of the companies named above responded to I Will attach document to the complaint. I Also have corespondence from XXXX XXXX  stating they could not do a proper investigation which means the account should have been removed I asked for an original document bearing my signature and no one was able to provide me what I requested. They just kept saying that the account was validated but an account can not be validated without a contractual agreement bearing the consumers wet signature. Transunion XXXX and XXXX allowed XXXX XXXX  to report account # XXXX account # XXXX Knowing the accounts are inaccurate. Transition and XXXX closed the accounts instead of removing the account and XXXX has not taken the time to do anything at all. I will attach all supporting documentation and I Demand for the account 's to be removed immediately from my consumer report
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2021 at approximately XXXX I contacted chase disputes as requested I told the agent I didnt have my card when asked for the number the agent then asked for my social security # which I gave then Then again they asked for the last 4 digits of card # which again I told them I dont have it at that point they place me on hold for over 30 minutes until XXXX finally hung in frustration This type of unprofessionalism has happened on multiple occasions with Chase and their customer service personnel
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (MS)

Car has been repossessed reporting mssed payment every month since XX/XX/XXXX and or CO everymonth since XX/XX/XXXX. Please remove all late payments. I was impacted by Covid 19