davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (SC)

The refinancing application through Quicken Loans aka Rocket Mortgage has been a terrible experience. I have been victim of their unprofessionalism and incompetency. Quicken Loans aka Rocket Mortgage have repeatedly violated my RIGHT as a borrower to : - be informed about the total cost of my loan including the interest rate, points and other fees. 
- have access to a Good Faith Estimate of all loan and settlement charges before I agree to the loan and pay any fees -. 

Example one : during the application process they realized/discovered that XXXX XXXX XXXX ( aka XXXX ) held first lien of my mortgage, and not the company I had originally refinanced with the first time. I was asked very casually if I was open to paying off XXXX  -failing COMPLETELY to mention the HUGE impact this action would have on the cash back terms of the loan. After I agreed to pay off XXXX they casually mention this will decrease by over 9,000 the cash back amount mentioned in the Loan Estimate terms I was presented XX/XX/2019

Quicken Loans should have been able to see the lien information when they pulled my credit report. XXXX being 1st Lien should have NEVER been news/surprise to Quicken Loans. I expected to be refunded in full the {$500.00} I paid for Appraisal cost. Appraisal I agreed on based on the inaccurate, deceitful " Loan Estimate '' of XX/XX/19. 

When I demanded refund my request was escalated. They denied the refund and continued to say : " I reviewed the communication you had with us up front and did find that you explained to XXXX that you had completed an 80/20 loan. The 80 % is the 1st lien and the 20 % is the 2nd lien. Since we were advised you had the 80/20, we set up the application thinking that the 20 % was the 2nd lien as this is typically the case ... " Their job, as a lender, is not to " think '', " assume '', or " guess '' liens .... their job is to be thorough, do a professional, honest, job and provide borrower with an accurate loan estimate after using the tools available to them as a financial institution - such as : my full credit report. Instead they made assumptions .... The decision I made was based on their assumptions, presented to me as fact. 

They have also denied me the contact information, requested several times, of the person they were in contact with in XXXX despite repetitive attempts on my part to obtain it. 

Please stop this company from abusing borrowers like me : I'm a XXXX XXXX XXXX  mother, head of household, holding 2 jobs, to meet my financial responsibilities and pay all my bills on time ... they just scammed {$500.00} out of me, and have no remorse or sense of responsibility for their actions/mistakes. They refuse to refund me the {$500.00}, they mislead me into paying for appraisal.
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (TX)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Absolute Resolutions XXXX XXXX  Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WI)

American Express advertises that if you get the Delta Platinum American Express card you can enroll in XXXX XXXX XXXX status. They provide instructions to do so through Delta. The instructions do not work and it is actually impossible to " enroll '' to obtain the XXXX XXXX status at XXXX by getting this credit card. I have spent hours with XXXX, XXXX and American Express trying to get this status and it is impossible. Delta sends you to XXXX. XXXX doesn't know/ca n't do. Am Ex sends you back to Delta. This is also a complaint against Delta air which advertises that separately if you reach Silver status, which I have had for years, you can enroll in XXXX XXXX XXXX  status, but there is no actual way to do that enrollment... it is a scam and false advertising by these 3 companies -- Delta, XXXX and American Express.
Consumer complaint received 2019-07-06
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: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I made a payment on my Macy 's credit card account via an ACH draft from my checking account. I paid off the full balance of the account at that time. The amount of the ACH debit was {$220.00}. 

I received a notification from XXXX that I had a negative payment history filed on my credit report. I pulled my credit report to see what had been reported and found that Macy 's was reporting my account delinquent, despite having paid in full. 

I immediately contacted Macy 's credit services to get this error corrected. The representative stated that they could see where I had authorized the ACH payment but it had not credited to my account & inquired if I had seen the transaction clear my bank account. I confirmed that the transaction had cleared my account on XX/XX/XXXX. I was given a fax number to fax proof that the transaction had cleared and assured that they would correct their error and remove the negative reporting. I faxed proof that same day as instructed. 

Today, XX/XX/XXXX, I contacted Macy 's credit services again and was informed that the error was still not corrected. I also today, XX/XX/XXXX, received notification from XXXX   that they had completed their investigation and upheld the fraudulant negative reporting by Macy 's since Macy 's still has not applied the cleared payment to my account. 

I have proof that this is Macy 's error and have suffered damage to my previously exemplary credit because of their negligence and failure to resolve this issue despite all proof of their error being provided to them. This is unacceptable and unethical business practice.
Consumer complaint received 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attention : Consumer Complaint Division po box XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX XXXX for Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX for their continual violations of consumer protection laws as outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations.

The specific violations are as follows : 1. **Lack of Validation Information Provided** : According to 12 CFR 1006.34 ( b ) ( 5 ), Complete XXXX XXXXXXXX has failed to provide the required validation information after placing a collection on my consumer report. As per this regulation, I am entitled to receive information about the debt they are attempting to collect, yet this has not been furnished. 

2. **No Opportunity to Dispute Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given an opportunity to dispute the account. XXXX XXXX XXXX has not provided me with this opportunity, infringing upon my right to contest the validity of the debt. 

XXXX. **Deceptive Practices** : The agency has been using false, misleading, and deceptive means in their operations, violating my consumer rights. The abusive practices employed by XXXX XXXX XXXX contravene the guidelines set forth to protect consumers from such undue harassment and misinformation. 

4. **Unauthorized Furnishing of Information to Consumer Reporting Agencies** : As per 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) ( A ), XXXX XXXX XXXX has no authority to furnish any account information to consumer reporting agencies without providing all the legally required disclosures. Their non-compliance with this regulation has caused adverse effects on my credit report. 

I am requesting the CFPB to rigorously investigate these violations and take all necessary measures to ensure XXXX XXXX XXXX complies with all applicable consumer protection laws. The unlawful actions of this collection agency have recklessly endangered my financial status and personal peace of mind. 

Please acknowledge receipt of this complaint and keep me informed about the progress of this investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (MD)

I did NOT authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE FINANCIAL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.
Consumer complaint received 2024-08-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I disputed Jefferson Capital System due to identity theft as Ive recently received a copy of my credit report. This was for XXXX XXXX as I only have ever had one account with them and it was paid off on Time and closed properly. Jefferson Capital System closed my collection account however did not delete off my credit report. Termination of collection authority prior to payment of the debt requires, under the instructions in the CRA reporting manual, that the debt collector also delete their reported collection.
Consumer complaint received 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (GA)

On XX/XX/XXXX, Best Egg received my payment of {$15000.00} via USPS certified mail ( XXXX ). My payment was made as per my loan agreement payment Instructions and in compliance to 12CFR part 1026.10 ( b ) ( 4 ). I received correspondence from the company dated XX/XX/XXXX, where the company acknowledged that my payment was received but the company still has not credited my account to reflect my payment. I sent a follow-up letter USPS certified mail ( XXXX ), which the company received on XX/XX/XXXX but the company has not responded since and has not updated my account to reflect my payment
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I made a payment to my Bank of America XXXX XXXX card for {$2700.00}. This payment posted and was fully processed by the sending and receiving bank. It came from my XXXX savings account. 

I closed both my XXXX savings account and all of my Bank of America XXXX at the start of XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Somehow in the calls that were made a Bank of America XXXX erroneously returned my payment to XXXX which was closed. I did not authorize that return. 

On XX/XX/XXXX Bank of America adjusted my statement to reflect that {$2700.00} was owed still as a payment adjustment. 

On XX/XX/XXXX XXXX sent the erroneous returned payment back to Bank of America - transaction tracer number XXXX. 

On the Bank of America website I can see in my history the returned and processed payment for {$2700.00} the reference id is identical to the initial XX/XX/XXXX payment XXXX. However, this amount has not been posted back to my account statement. It is also no longer visible in other areas of the site such as the payment detail. 

Over the course of the last XXXX months my statements and transaction details have been changed periodically after conversations with customer service. At XXXX time the payment return did show on XX/XX/XXXX in my payment details. While I was in a Bank of America XXXX on XX/XX/XXXX seeking assistance it reflected in my payment history at that time. 

I have started to take screenshots and make printouts of my account information since I realized the transaction details were regularly being altered or removed to better align with their version of events. 

I have a copy of my XXXX statement showing XXXX did not accept the return payment in XXXX. I also have copies of the Bank of America account history showing the processed payment return on XX/XX/XXXX.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

While filing a dispute for multiple unauthorized charges on my chime debit/checking account, I provided all information via fraud claim on the phone and then sent supporting documents to chime via the chime app. Less than a week later I received an email saying the claim was denied. I called and requested any and all information that was obtained for chime to deny the claim and they only sent me the intake form and a copy of the documents that I sent them. I requested the claim be reviewed and reopened. They said they have done that but it still shows the claim as denied and not open. I have received refunds from XXXX of the over XXXX fraudulent transactions. So if the merchant agrees that this is fraud then chime should not have denied the entire claim, especially since I provided proof that orders were made and shipped to a different state.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1700.00} XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MS)

I was having financial hardships trying to pay my loan, I applied for forebearance. I was approved, yet they still listed on my credit report as a late payment. They refuse to remove inaccurate innformation.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (AZ)

I'm writing about a concerning issue with my credit file. I've discovered a collection entry from your agency that I was never notified about. I have serious doubts about the validity of this claimed debt. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide the required validation and address this issue appropriately.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (NH)

On XX/XX/1923 I purchased a mattress from XXXX 's furniture using a Fortiva credit which at that time I bought it online, i received a call from the store basically making me buy a cover that was XXXX which I really didn't want but, I felt so pressured from the sales person i finally gave in I realized almost a year and a few months later this balance isn't going down I called the credit card company they said i signed terms but couldn't provide them if the amount wasn't paid for i would be charged another XXXX I have paid more then my monthly payment and now I'm still being charged a huge amount I feel deceived and i feel like this wasn't explained to me instead they wanted more money out of me in regards to the cover..
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National Credit System is in violation of 15 USC 1681. I have no contract nor did I give any consent to National Credit System to access my information. Only the consumer can verify a debt and the alleged debt listed on my report does not belong to me. National Credit System is providing false and misleading information that is affecting my credit profiles. I do not have any contract with this company and demand it be removed from all credit profiles connected to me in accordance with the XXXX
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2023, I made a payment for the full balance owed. However, Venmo Credit Card sent me a message stating that there was an error and the payment did not go through. When I tried again, the payment went through for the full balance. However, Venmo Credit Card took TWO payments, even though it sent me a message that the first payment did not go through. Venmo refused to cancel the duplicate transaction and said I had to wait 7 to 10 days for a refund check, which I did not receive. I had to call again today, and now they are saying I have to wait another 7 to 15 days. Venmo refuses to refund my money promptly or pay interest for holding my money without authorization. Meanwhile, if that were a balance I owed, I would have to pay interest to Venmo. I never authorized the duplicate payment. Because of Venmo 's error, it should have cancelled any duplicate payment that it charged, or otherwise if it had to send a check, then it should be overnighted to my address. I should not have to wait a month for a refund of money that I never authorized Venmo to take. Additionally, Venmo should pay me 29 % interest for the time it held my money without my authorization, as that is the percentage Venmo charges its customers.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

XXXX XXXX XXXX according to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports immediately
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I deposited a check through the mobile deposit app on Thursday, XX/XX/year>. According to the Expedited Funds Availability Act in the Reg CC, I should have been given access to the funds today, with it being the 6th business day. They sent me a letter on XX/XX/year> saying the funds were being held until XX/XX/year>. This exceeds the 5 business day model and they would not release the funds, causing me to reach out to family in order to pay my bills. This is not what I needed.
Consumer complaint received 2024-07-12
Product: Credit 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. (CA)

I signed up for an online casino that I had no idea was an illegal unlicensed operation. They overcharge my card and never delivered anything they promised they had no business operating in the state of California and taking credit card payments as a form of payment as it being an illegal company, I feel robbed of over {$24000.00} and theres no way I can pay for this.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I made a deposit through the mobile banking app with two checks one for {$330.00} and one for {$150.00}. The money was immediately credited to my account, and I use some of it as it was for a business trip I was taking that weekend. In addition to those two checks, I deposited other cash into my account through XXXX  to use for my trip. The next day Wells Fargo went in my account and took back the credits for those two checks and put them on hold for over 10 days but did not tell me why, and this overdrew my account in addition to putting a hold on the money that I had deposited in there in addition to the checks. The day they put a hold on my checks those two checks already cleared the check writers account. I have never had a return check and I have never had a problem with fraud. They would not tell me why at first that they put a hold on it but then they came back and said for fraudulent activity but could not explain why. And when I explained to them there was nothing in my account that would even suggest remotely fraud they could not give me a straight answer and would not credit the money to my account even though those checks had already cleared. Instead they keep telling me I have to wait until the XXXX for my money to credit and this deposit was done on the XXXX of XXXX