davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

approached quicken loans - rocket mortgage about rates for a first time buyer loan with good credit. spent a lot of time getting preapproved. Got the house offer accepted and sent contract to mortgage company last week which they lost. Therefore appraisal has not yet even been ordered for a XX/XX/20 closing. Just got the estimate of fees and they are high and not what we talked about. Almost {$3000.00} in points that were never even mentioned. I feel like I was baited into getting far enough into the process I could not back out and that's exactly where I am. I'm going to lose the house if I back out now.

I was told the rate would be between 2.65 % and 2.9 %. Surprise, Surprise! It ended up at 2.99 %. I can get it lower by paying a bunch of points which was not discussed. My son with almost no credit and about 25 percent of my income just got a lower rate with no points from another lender. I feel certain ( as a XXXX  and as a consumer ) that this information was intentionally withheld to trap me into using their product.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

SOMEONE ORDERED A NEW XXXX XXXX  CREDIT CARD AND TRIED TO SEND It TO ANY OTHER ADDRESS THAT WAS NOT MINE. ONCE THE CARD WAS CANCELLED I WASNT ABLE TO SEE It ON MY ONLINE PROFILE ANYMORE TO MAKE SIMPLE TRANSFER PAYMENTS AND I WSNT NOTIFIED. I HAVE HAD THE CARD OPEN SINCE XX/XX/2016 AND NEVER MISSED A PAYMENT. I HAD TO GO INTO THE XXXX XXXX  BRANCH TO VERIFY MY ID AND THEY ORDERED ANOTHER REPLACEMENT CARD AND CHANGED/VERIFIED MY INFORMATION. I DIDNT HAVE A CARD AND WASNT ABLE TO USE FOR 2 MONTHS. I PULLED MY CREDIT TODAY AND ITS SHOWING UP AS A LATE PAYMENT BUT I HAD ALREADY MADE A PAYMENT AT THE BRANCH OFFICE AND THEY TOLD ME It WOULDNT SHOW UP AS LATE BECAUSE THEY DIDNT HAVE THE RIGHT ADDRESS ON FILE TO SEND THE BILLING AND THE OTHER CARD WAS ISSUED OUT OF FRAUD. ALSO BECAUSE OF ALL THE WRONG INFORMATION AND CONFUSION.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX, I received a called from the Pentagon Federal Credit Union, Confirmation/Declaration of Loss Department. I was told that they had a check in the amount of {$1500.00}, dated XX/XX/XXXX. I was e-mailed a form to signed and return. I was given the options to Deposit in Account, Reissue Check or Other. I checked tReissue Check. When I inquired about the check, I was told that they were behind and would get to it as soon as they can. After about a month or so, I contacted them again, and was told the money was deposit in my account. I was used to make payments toward my delinquent two credit cards. That was not what I checked on the form. Payments plan was already in place to what I could afford to pay. I had an allotment being deposit in my saving via direct deposit. I lost my job and was unemployed. I put in for Hardship, but was denied. I spoke to the Branch Manager at the site located in XXXX XXXX, Virginia. She spoke to her manager and he refused to return the money. A law firm wrote the Pentagon Federal Credit Union a letter regarding Bad Debt Collection on my behalf. The check was deposited without my signature. Although, I paid what I could afford to pay, as a retaliation, they sold my two credit cards to two collection companies.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Javitch, Block & Rathbone LLC (OH)

On XX/XX/XXXX I received a letter in the mail from Javitch Block LLC about an account of mine going to them to try to get payment. Upon receiving the letter I had called the company to call the company to get a settlement set up. At the time we agreed to {$95.00} a month to be taken out on the XXXX of each month until the full balanced was paid. The lady that we were speaking to was trying to negotiate a higher amount saying that the longer it's in collections the more my credit would be hurt and that a higher payment would significantly help my credit. Finally, I got her to agree with said {$95.00} a month after some arguing and being interrupted multiple times. Early XX/XX/XXXX I received a letter from Javitch Block saying they were taking me to court due to non payment. When I called them they said that the banking information provided to them was incorrect after having the previous associate confirm the account information that I had pulled up that was linked to my direct deposit. At that time we had to re-set up a payment settlement. The associate we talked to this time was a lot friendlier than the first person. This person then said the very minimum I could pay each month would be {$200.00} and that nothing lower could be settled even though the previous associate messed up the payment eventually saying the same that my credit was going to be heavily effected until the balance is paid off. I asked to just be enrolled on auto, but the person refused to get me set up on auto deduct, but asked for the account information eventually, so I figured the auto was set up. Yesterday, ( XX/XX/XXXX ) I received an affidavit saying that my wages are set up to be garnished without needing signature from me, due to my bank already signing off on it.
Consumer complaint received 2018-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I have tried to work with XXXX XXXX to get my number of qualifying payments corrected. I had the Department of Education Ombudsman check the number of payments and XXXX XXXX XXXX did not correct the number. I have made more than the 120 qualifying payments but right now, they are showing I've made only 55 payments. Two years ago, they showed 47 payments made. These numbers are both wrong. 

I believe I've held up my end of agreement and want Fedloan Servicing to do their part. 

My Student Loans are over 25 years old. The original amount was {$40000.00}. I've paid more than {$100000.00} and still owe {$170000.00} as of XX/XX/XXXX. 

XXXX XXXX University - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX in XXXX XXXX - XXXX
Consumer complaint received 2018-07-26
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: CITIBANK, N.A. (CA)

On XX/XX/2018, I received my new Sears Mastercard, number XXXX, in the mail and disputed a charge for {$2200.00}, made at a Sears store in XXXX, California on XX/XX/2018. The dispute was made via telephone. I never received a confirmation of the dispute, so I filed a duplicate dispute on-line the following day. The basis for the dispute was that Sears delivered a non-functional/defective electronically adjustable ergonomic bed-set. The bed-set was purchased to address my physical XXXX. 

Sears Mastercard responded to the dispute with a letter dated XX/XX/2018 ( attached ) requesting additional information. Specifically, The date and method of return, a copy of the return receipt or credit voucher, an explanation and a copy of the merchants refund policy. I replied with my letter dated XX/XX/2018 ( attached ) and I included copies of the receipt/contract which detailed the return policy, salescheck number XXXX, attached. I also included the transaction print-out, salescheck number XXXX, which XXXX ( a store manager ) gave me on XX/XX/2018, when I attempted to return the merchandise to the store in person. That day, XXXX refused the return and instead referred me to the Sears National Customer Relations line XXXX. I subsequently telephoned the line and told XXXX I wanted to immediately return the defective bed-set. She gave me case number XXXX and told me someone would contact me. To date, no one has contacted me. Two other people witnessed my attempts to return the merchandise. 

Sears Mastercard investigated the dispute and reversed the charge, see letter dated XX/XX/2018, attached. Then suddenly and without providing any additional evidence, Sears Mastercard arbitrarily overturned their decision in their letter dated XX/XX/2018, attached. The reason for reinstating the charge was, you did not provide proof that you returned the merchandise to the merchant. Indeed, considering the evidence the only reasonable conclusion is Sears Mastercard did not evaluate the dispute in good faith as required by law and reversed their decision because of their financial symbiotic relationship with Sears. I am therefore, requesting the Consumer Financial Protection Bureau to intervene on my behalf.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I hold an account with Bank of America. 

I've had nothing but problems with my checking account and deposits being held over an extended period of time for reasons unknown, even after asking customer service specifically what holds were for, answers were extremely vague and just not true, as I had even verified funds myself prior to depositing checks, written from the same bank, and still holds were placed for max amount of time. 

Not only were deposit holds placed, but my account has even been debited in the amount of the check deposited after the funds had cleared. It appears in my recent activity as if I spent the money after cashing my check. 

Please let contact me back at earliest convenience and I hope to speak with you soon. Thank you.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2020-09-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have disputed the same inaccurate public record on my consumer file ( bankruptcy ) for 3 years, 3 times within the past few months WITH supporting documents from the company they supposedly " verified '' their information through, XXXX. XXXX has deemed the account to be unverifiable and therefore has deleted the file from my XXXX file. Months later, Equifax continues to state that they have verified the account with XXXX as accurate. However, XXXX has repeatedly stated ( IN WRITING, these documents have also been forwarded to Equifax ) that Equifax has NOT contacted them to verify the account, as if they had, they would know that the account was unable to be verified as accurate. The other credit bureaus have deleted the inaccurate public record but Equifax continues to conduct unfair business practices against my FCRA rights. I've even spoken to a supervisor that could see my supporting documents but said that the people who review the disputes, " don't really look at the supporting documents before they make their decisions ''. That's fraud.
Consumer complaint received 2020-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit  report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Im filing this report against both Experian and XXXX for a debt on my credit report, both data furnisher keep updating a debt ( XXXX ) account number XXXX on both of my credit report. This debt was in repossession since XX/XX/year> but both agencies keep updating the debt to make it seem like it was a newly acquired debt, this is incorrect reporting and its hurting my ability to obtain credit at this time. Please see attachments below
Consumer complaint received 2020-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XXXX2020 I sumbitted disputes for 3 collection accounts with XXXX  : XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX, MIDLAND FUNDING Account XXXX showing on my credit report asking for validation and or proof that the debt was mine. I never received the validation i was asking for, It was removed off of my XXXX, XXXX  reports but somehow experian has it validated with no records to show far it.By law this alleged debt that has not been proved to be mine has to be removed.Below is the letter i sent
Consumer complaint received 2020-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (AR)

On XX/XX/XXXX a collection from Radius Global Solutions. The account was opened XX/XX/XXXX. I contacted the company by phone on XX/XX/XXXX. I am completely unaware of any debt owed to them or who they claim the original creditor is. I asked for information regarding the debt and the phone representative relayed that the balance came from having lab work done in XXXX. I do not recall having lab work done in XXXX. I asked why I hadnt heard of the debt before hand and the representative stated that they sent letters to an address that I had not lived at since XXXX. During the time I did live there, I never received a bill from them. They stated that they tried to call a phone number that was not mine. While on the phone with an XXXX representative, she informed me that the collection agency reported the account with my name spelled incorrectly. On XX/XX/XXXX I faxed a request for validation of the debt to the collection agency. On XX/XX/XXXX the collection agency updated the status of my account to charge off. I never stated that I would not pay the debt once they had validated the debt. See how this account was allegedly from so long ago and contained multiple discrepancies in the information they had for me, I simply wanted them to validate the debt before I paid them. Instead of honoring my request to validate the debt or delete the account from my report, they decided to not even attempt to validate the debt and to mark my account as a charge off as soon as they received my request.
Consumer complaint received 2018-07-26
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. (UT)

FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and Trans Union within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I received a fraud check Citi Bank did not notify me to let me know when I called to find out why I couldnt access my account I was told because someone deposit a fraud check, again Citii Babk didnt notify me I had to contact them, and I was told I should try to contact the merchant but yet Citi Bank told me when I called in they knew it was a fraud check. I paid the merchant I went through a processing process with the merchant paid them back the XXXX, and my account was closed and was told it will take 30 days or more to get my money back which is unacceptable.