davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (KS)

I was approached by Rocket Mortgage on a phone call XXXX. The agent was XXXX XXXX. He promised a 5.99 % rate on a refinanced 30-year mortgage. On the phone call, which was recorded, he states that he will provide the 'lowest cost ' presumably with reference to an unrelated call on XXXX where we speculatively discuss {$6800.00} in loan costs for 15-year refinance at 5.99 %. 

Please keep in mind the phone calls are about different loans and about XXXX weeks apart. 

In any case, I end up signing documents for the 5.99 % refinance at 30 years. But my principal jumps from {$280000.00} to {$290000.00}, a difference of approximately {$10000.00}. The total loan cost is {$13000.00}. Using the XXXX recorded phone call as a point of reference, the total loan cost nearly doubles even though XXXX said he would provide the 'lowest rate ' presumably in reference to the XXXX call. Please note that on the XXXX call, no costs are disclosed. 

I called approximately 5 times during XX/XX/year> to issue a complaint with Rocket Mortgage and seek recompense. I spoke with XXXX, XXXX, and XXXX. XXXX actually listened to the recorded conversations on XXXX and XXXX. XXXX admitted there was an " opportunity '' to learn from the verbal nondisclosure of costs. She offered a {$500.00} voucher on a future loan application. 

I find the loan selling tactics completely misleading and predatory. I would like financial recompense.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

I called XXXX XXXX XXXXXXXX because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX  and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the XXXX  in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to XXXX XXXX XXXXXXXX and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.
Consumer complaint received 2023-07-19
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. (FL)

I made several online purchases from XXXX on XX/XX/2023. I was double- charged on all of my purchases on that date. 
The charges in dispute with Citicard involve a charge for two mattresses which I never received and was notified by XXXX that I was refunded for both charges for {$160.00} each. I received only one posted credit from Citicard & was informed by the Dispute Center that I was responsible for {$160.00}. This dispute process has been ongoing for two months. Additionally, I have talked to two agents from XXXX who assured me that I would not be double charged. I have the documented correspondence. I have also talked to two Citicard agents who assured me that the matter would be investigated. I hav even contacted the CEO of Citicards and sent all relevant documents. 
I also did not receive credit for a refund for a return to an XXXX merchant. I returned a cabinet for $ {$42.00} & a watch for {$26.00} and received a refund from XXXX but the conditional credit was reversed by Citicard dispute center.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NY)

15 U.S. Code $ 1681c-2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
Names : XXXX XXXX XXXX, XXXX XXXX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XX/XX/XXXX Hard Inquires : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts
Consumer complaint received 2024-04-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

XXXXXXXX XXXX  account was fraudulent. I've never owned a XXXX cell phone. XXXX confirmed this is not my account. I have requested removal but the account continues as a collection. I sent police fraud report copies of my current address and XXXX bills showing I live in Arizona. This account was created on the XXXX XXXX of the XXXX.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (AR)

Someone called my cellphone and stated that my husband had taken out a payday loan in 2017. They had the last four of his social. I stated that he never took this loan out and if I needed to contact a lawyer I would. He said have a nice day and hung up. Im very concerned they have personal info on my husband and my cellphone #. The # they called from was XXXX XXXX XXXX XXXX XXXX. What can I do to protect us from identity theft.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

XXXX XX/XX/XXXX, After receiving a message from Wells Fargo to my email, stating that there was possible fraud detected on my credit card. The message listed several declined attempts to use the card at locations in XXXX Florida as well as an ATM transaction for {$450.00} which was approved. I logged into my corresponding account at the bank to confirm that this was a bonified message from the bank and not a phishing attempt. 

On the Wells Fargo Web Page, I verified that there was a fruadulent cash advance approved for the amount of {$450.00} made in XXXX Florida on XX/XX/2023. 

The dates these fraudulent this charge and charge attempts took place I was with my family in XXXX XXXX, Fl. area, over XXXX miles away from where this transaction took place. I can corroborate my presence in the XXXX XXXX area with in-store credit card transactions and witnesses. 

I further confirm that the only credit card I have authorized for this account was in my possession and, therefore, an unauthorized/cloned copy must have been used to make the transactions. 

I further confirm that I have only used the card for one on-line purchase since I have received it. It has never left my home and is stored in a secure place. It is therefore unlikely the card was cloned. 

I have contacted Wells Fargo, and they have failed to remove the fraudulent transaction. 

They closed the investigation stating that I will be financially responsible. They have failed to provide information on their investigation. They seem to have little interest in resolving this dispute and have been quick to assign me the responsibility for their security issue. 










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Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc. (TX)

I submitted a dispute with XXXX, XXXX, and XXXX  against Pro Collect. My dispute is that a collections account is still reporting on my credit and it is past the statue of limitation for Texas. 
XXXX and XXXX- Didn't even reinvestigate the dates. 
XXXX  - Pro Collect submitted a copy of the original contract ( shows dates of first delinquency ) but didn't remove it from my credit file. All three companies are only investigating the account ownership. I am not disputing ownership. I am disputing the fact that its an old collections account and past the statute of limitation. The original date of first delinquency is XXXX/XXXX. The statue of limitation would of expired XX/XX/2023.
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

I had multiple synchrony bank Store credit cards. I pay most of my balances in full each month. I've had XXXX or XXXX cards with a small running balance. Synchrony doesn't like that I pay everything in full each month because they don't make the excessive interest that they try to charge. So what they do is send false claims stating that I had derogatory marks on my credit report, and they started to lower the credit on my cards which adversely affects my credit score. I therefore paid everything in full and closed mostly all of MySynchrony cards with the exception of XXXX, which will be paid in full and also closed. I closed PayPal credit PayPal XXXX XXXX, CareCredit, JCPenney, TJ Maxx, Lowe 's, XXXX XXXX and HSN, and QVC. This is the only bank that does this. I have accounts with XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX I have never had this problem with other banks. I have very good credit no derogatory marks no late payments and no collection activity. My credit utilization is 13 % to 15 %. Synchrony bank is the only one that does this. They should not be allowed to issue credit cards because they use unfair practices when they don't get the interest that they want to charge.
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (IL)

{$630.00} Was charged to me on XX/XX/XXXX When I moved out of XXXX XXXX apartments of XX/XX/XXXX. This company I.Q DATA CALLED ME AND TOLD ME I HAD TO GIVE THEM {$630.00} FROM XXXX XXXX APARTMENTS. BECAUSE I DIDN'T WASH THE WALLS THE REFRIGERATOR OR THE STOVE AND COUNTER TOPS. I DIDN'T CLEAN ANYTHING WHEN I MOVED TO THESE APARTMENTS IN XXXX THE APARTMENT WORE ALREADY OUT AND OUT DATE WITH PAINT CHEAPING OF THE WALLS! WATER LEAKS IN TOP OF LIVING ROOM CEILING OLD CARPET THEY VACUUMED. WITH BATHROOM DOORS FALLING APARTMENT. SO IM BEING ASKED FOR {$630.00} NOW AND THEY TRYING TO MAKE ME PAY FOR SOMETHING I DIDN'T DO I MOVED OUT ON XX/XX/XXXX. LIKE HOW LONG I'VE LIVE THERE THAT'S AGAINST THE LAW. AND YOU PUT THIS ON MY CREDIT AND You KEEP HARRSING ME. ABOUT SOMETHING THAT THEY SHOULD UPGRADE BECAUSE IT'S A DISGRACE TO LIVE THERE. YOU KEEP CALLING AND SENDING ME BILLS TO MY ADDRESS. AND I WANT TO NO WHAT HAPPEN TO THE {$350.00} I GAVE THEM THE MAN GONE LIE AND SAY IT WENT ON MY FEE. THAT WAS A SMALL 2 BEDROOM APARTMENT WAS NOT A THING WRONG WITH IT. IF IT WAS WAY SOMEONE MOVE IN THERE THE NEXT WEEK.
Consumer complaint received 2023-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

My complaint is that it was not my debt and XXXX confirmed it, then deleted it off my report. I have suffered mentally as well as financially. I have been denied housing which makes me homeless. I want this account remove from my credit file.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (MO)

XXXX of XXXX I had an issue with a vendor over charging for services. I reached out to my banking institution, which is SoFi Bank. I explained my concern and they reassured me on XXXX separate calls that the vendor would not be able to deduct any more from my account, not to worry, my money was safe. I also submitted a dispute to retain overcharged funds that had already been deducted. They denied the dispute, I still dont know why or how they came up with the denial decision, its clear that I was overcharged by the vendor. SoFi will not tell me how they decide whether to refund a dispute to the customer. They recently began overdraft protection service for consumers. I turned my off because I did not want them to cover payments for me, especially incorrectly charged deductions. They have never covered an overdraft charge in the past, especially when the option is turned off. I received an email stating SoFi had covered and overdraft charge for me and that my account was negative and I. Needed to make a Payment to keep my account in good standing? I have been a customer since XXXX and over the years they have not offered overdraft protection and they have never made a payment without my permission. They failed to follow my request and they paid an incorrectly charged bill on my behalf and i specifically put a flag on account, requesting no payments were to be made to the vendor and i did not have the overdraft protection turned on. They submitted and unauthorized payment on my behalf, this action created a downhill spiral of events for me, now the company they paid for me refuses to give me any money back for the overcharges and the bank has denied the dispute charges and they have NOT acknowledged my request for an explanation as to why they paid the bill despite my wishes not to be enrolled in the overdraft protection service they recently started offering.
Consumer complaint received 2024-04-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (AZ)

My abusive ex husband was the one who was approved for the loan from XXXX XXXX. My name was never put on the loan, I never signed for a loan. I made the payments on time every single month until my ex husband was arrested for Domestic battery and I had to make the choice of paying the rent or paying the car payment. I had called XXXX to inform them that the payment would be a couple weeks late and the lady I spoke to ( don't remember her name sure to memory loss from a brain injury caused from XXXX husband ) and she informed me that since I had been making the payments on time every month that I would be ok to be late..well not even a week later I wake up to my jeep being pulled onto the back of a tow truck and I ran out and tried explaining the situation and they said that they were " simply doing their job '' I immediately called XXXX and the XXXX I spoke to told me that whoever I spoke to was wrong and that they would have never said being late on payment would be okay. This company is a joke and should have never been in business. I'm not the one on the loan and if I am then it's fraudulent because I never signed for the loan
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

I filed a complaint with your dept XXXX becuase Lakeview Loan Servicing LLC was not responding to my requests to adjust my PMI and my escrow balance, which was due to adjust on XX/XX/XXXX. I called several times to get the new loan payment for my XX/XX/XXXX mortgage payment. My previous mortgage payment was {$3900.00}. My XX/XX/XXXX mortgage statement did not reflect the new figure which ended up being {$3300.00}, so I sent {$3900.00} electronically, which hit my bank account XX/XX/XXXX. it wasn't until my XX/XX/XXXX mortgage statement that the correct updated figure of {$3300.00} showed. I did not want ot have a missed mortgage payments so I sent the billed amount of {$3900.00} even though eventually I only owed {$3300.00}. They applied the additional {$580.00} to principal reduction. I called them and told them I wanted the {$580.00} returned to me and they said, " You have to proved that you sent it. '' This was an absurd request since they processed my payment of {$3900.00} on XX/XX/XXXX. I sent them copies of my bank statement, " proving '' that I had made the payment, yet they refused to acknowledge that. This bank has been unethical with me from the start. Their loan officer orignally told me that I could have my PMI removed as soon as my property appraised at XXXX XXXX, but that was a lie, since the they sold the mortgage to XXXX, and I had to wait XXXX full years. I've been calling them since XX/XX/XXXX to get this resolved and they refuse to do so. Their info and my loan # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX loan # XXXX phone XXXX.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Since the new year, it's only been 23 days. This company has called me over XXXX times. I get 2 calls a day from them. I have told them I do not have the money and they continue to harass me every day.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NH)

There is an account listed on my report from Sunrise Credit Services for {$250.00} opened on XX/XX/2022 and lists an original creditor as XXXX XXXX. I have no idea what this account is for, how old the debt is, where the debt came from, who authorized that debt, I have nothing. I never received anything in the mail from these people with an itemized list of this debt, nothing. I disputed it with the credit retailers ( all three of them ) and they have allowed this to remain on my report.
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have sent a letter to validate this debt once in XX/XX/XXXX and again in XX/XX/XXXX. I asked Portofolio Recovery Associates to send an agreement with your client that authorizes you to collect on this alleged debt. An agreement that bears signature of the alleged debtor wherein he/she promises to pay the creditor, and a complete payment history on this account to prove that the debt amount you wish to collect is correct. Portofolio Recovery Associates,  did not provide any of the information I asked for to validate the debt.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested a copy of my credit report from TransUnion and found many errors and misrepresentation of my true credit report. I have requested for these derogatory information to be removed from my credit report. There's approximately 56 account inquires which shows TransUnion did not follow there own procedures. However, they claimed to use a third party to verify my information instead of contacting me. I believe TransUnion failed to use ID.me for third party verification. If they did there's no evidence of who they used as a third party without notifying the actual consumer. I have reported several times to all three bureau of my identity being stolen. I even submitted letters from other establishment stating my identity was stolen. I have asked to have my US Dept of Education information to be removed and it still appears on my credit report that my accounts are in collection. Which is not true. I am XXXX and those accounts are closed. I would like for all these derogatory information to be removed immediately from my permanent credit report. In-order to savage my credit rating and clear my credit history with unwanted information using the U.S. 15 Code 1681c-2 Block of Information resulting from identity theft.
Consumer complaint received 2023-02-01
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-12-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020