davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC ()

Hello, I applied for a mortgage with Quicken/Rocket mortgage company in XXXX of XXXX. During all discussions I made it clear I was looking for a mortgage with a rate of 2.75, no points, and an APR of under 3 %. I spoke with XXXX XXXX XXXX and he said he would be able to do this. When I received the initial paperwork I noticed there was an origination fee with 2 points which was {$8700.00}. I immediately called XXXX XXXX who assured me these " points '' had to be added to get the rate I requested however XXXX/XXXX  would be covering the points in credits and they would be at no cost to me. XXXX XXXX went over the loan estimate, noting there would be credits ( some of which were under the " Adjustments and Other Credits '' section in the amount {$5900.00} ) and with an estimated Cash to Close amount of {$200000.00} he explained that the points were covered by Quicken/Rocket .... over the time period between the initial Loan Estimate and the Final Closing documents there were several adjustments made ( in the Loan Estimate dated XX/XX/XXXX the cash to close increased to {$210000.00} with Adjustments and Other Credits changing to {$8900.00} ) however I never questioned it as I was told I would be credited for the applied points. There was also a personal loan in the amount of {$11000.00} so I understood that many adjustments were being made but again I was told that the points ( in the amount of {$8700.00} ) would be covered by XXXX/Rocket Mortgage. When we were scheduled to close on the loan the points remained and it was explained that the " Adjustments and Other Credits '' were actually charges as they did not have a minus symbol. I explained that I was assured there would be no cost of closing points to me and I was told to go ahead with the closing as we did not want to lose the home and it would be investigated after the closing. We closed on the home on XX/XX/XXXX and I have been doing back and forth with Quicken/Rocket to try to resolve the matter. While they have verbally acknowledged XXXX XXXX stated XXXX would cover the majority of points, they have offered me .25 % of a point which amounts to {$1000.00} as a resolution. To me this is unacceptable. Their practices were misleading and unfair, and I would have never agreed to the mortgage with them had I known they would do such a thing. I purchased this home with my mother who has her original mortgage with XXXX XXXX and we did not get our current mortgage through them because they required us to pay points to get a rate of XXXX. XXXX XXXX assured me the points would not be of cost to me and would be credited and covered by XXXXRocket Mortgage. While I originally believed this was an accidental mistake on the part of XXXX XXXX and XXXXRocket Mortgage I now feel it was done purposely to mislead me into paying said points.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (SC)

On XX/XX/2020, I helped my son use his XXXX XXXX gift card to purchase a guitar online. 
The item was paid for, in full, with the gift card. 
Since I was not the individual who gave my son the card, and was therefore unsure of exactly how much money was on the card, I called XXXX XXXX directly after purchase, ( XX/XX/2020, at approximately XXXX XXXX  EST ) to clarify the amount available on the gift card & to make sure the purchase had gone through. I was told the gift card transaction was viable, and that the item would be shipped in 2 days. Please refer to voice recording of this call. 
I received an email on XX/XX/XXXX signifying my order was ready for pick-up at the store. 
I went into the store located at XXXX XXXX XXXX XXXX, XXXX SC, and picked up the order. The clerk told me the receipt for the order was in the box, that it was fully paid for. There was no receipt. 
On XX/XX/XXXX, I was contacted by XXXX XXXX resolution center, indicating there was a discrepancy in the collection of the guitar balance- that I owed the {$540.00} paid in full by the gift card. 
I worked for weeks trying to resolve this issue with XXXX XXXX, to no avail. 
I sent copies of : -online receipt -pick-up confirmation -order details, all documentation indicating the order had been paid in full. XXXX XXXX sent me a blank invoice statement, without my name or order number, as proof that the money had yet to be collected. XXXX XXXX representatives gave me the name and number of their Point of Sale provider, who I also tried to contact in an attempt to resolve the problem. I was only told there was a remaining balance left on the card. 
XXXX, XXXX I am turned over to a Collections Agency . I call and communicate with the CA in a transparent, goodwill attempt to finally resolve issue.

Collections Agency continues to pursue " debt '' though I have incurred NO DEBT and have sent the agency receipts and dispute letter. I am filing this complaint in an effort to safeguard my credit report and score. The agency should not continue to try and erroneously collect money from me.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capita lOne Bank On XX/XX/2021, I purchased, an item from an XXXX account an ORDER NO. XXXX for {$180.00} thereon XX/XX/2021, thereafter that I had returned the item as so stated herein this legal notice after, I had returned, the item XXXX had refunded me the money on XX/XX/2021 back into my Capital One account, card ending in XXXX therefrom that on XX/XX/2021, a Capital One officially had issued me a provisional credit for {$180.00} that was unrequested, by myself so as a result Capitol One has so stated that the funds in the amount of a {$180.00}, will hereby be deducted from my account card XXXX on XX/XX/2021, unreasonably when in fact the money should not be deducted from my Capital One account.
Consumer complaint received 2021-07-10
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: R & B Corporation of Virginia (NY)

Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Collection agency doesnt have release to collect on debt NOR is actual owner of these debts. deceptive and unfair practices
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

signed up for apple card ( goldman sachs ), took one week for a " fraud '' check and was offered a card. Once accepted they said they would then hard pull the credit, I accepted the card. That was XX/XX/XXXX, since then the account is locked, they did a hard pull on the credit so my report shows it and went down a few points. Since its locked I called and chatted many times I lost track and keep being told its under fraud review. 21 days to review after they hit my credit report! I got a top secret clearance faster!
Consumer complaint received 2021-02-05
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. (CA)

On XXXX at XXXX and XXXX Pacific time ; I was on a two way conversation with XXXX XXXX executive officer mister XXXX ; to resolve my Consumer protection complaint/credit dispute regarding the incorrect information placed on my credit report. I asked mister XXXX where did the balance from because, Prior to moving the city government disbursed approximately four different payments to XXXX XXXX. 
Mister XXXX stated I have not paid the bill in approximately four years and that is why the balance is so high. I replied, that is untrue sir .... For the record, the incorrect balance reflecting is {$6000.00} The account number in question was XXXX and the service address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. To make a long story short ... .. 

Mr. XXXX stated on a recorded conversation ( which I have saved in my email ) that if I can prove one payment he will RIGHT the WRONG and remove it from my credit report. I begun digging deep into my archived paperwork, and was blessed to find a payment the government made of approximately {$400.00} dollar..

And a running balance sheet which also showed many payments. XXXX  XXXX  have been doctoring and fraudulently creating running balance statements and bills which have never been sent to us customers. Moreover, mr. XXXX reneged, and went against his word.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST 4 SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA )
Consumer complaint received 2021-02-05
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: FIRST HORIZON BANK (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

It seems like I'm being given the run around when trying to get my money back after being a victim of identity theft. The bank has not credited my full balance and they have closed the case. I called Friday and was told that a new claim had been started for the misunderstanding. When I checked today no claim had been started. I will like to take further legal steps of necessary.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I contracted with a company XXXX to remodel my master bathroom and kitchen with a complication date of XX/XX/XXXX. We paid a deposit. They removed the wrong bathroom, the master bathroom and kitchen. Left us with no water source. I applied for credit, they did not notify me they were charging the card - I thought I was applying for a card. They use another company called XXXX XXXX XXXX to put my credit through. They had access to my house for the remodel as I was out of town. I was in constant communication with the company although they did not return my phone calls, texts and emails. 
I sent a letter from my lawyer and I XX/XX/XXXX for breach of contact. They contacted me and said they would begin work. I left to go out of town again - when I arrived back home XXXX had stolen from my home, I filed a police report and the Police contact the owners. The worker that removed all the things from my homes said that XXXX XXXX the owner of XXXX XXXX XXXX and XXXX told him to do so. XX/XX/XXXX. XXXX I hired another company to do my kitchen remodel and provided the credit card company with the checks, bank statement showing paid. I refuse to be the victim of a lying contractor that says they completed the job when they did not. Synchrony Bank sided with vendor, even though they have no proof of delivery and I have proof of non delivery. I no longer reside at that address we sold the home in XXXX of XXXX.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (CT)

I XXXX XXXX XXXX for my elderly mother, and one of them is a 4 family home that we secured a mortgage on with KeyBank. This winter, one of the tenants had a fire which destroyed her unit and caused some exterior damage and minor smoke damage to the other units. We contracted a company that specializes in fire damage, and a public adjuster to represent us with the insurance company. The repairs were completed over 2 months ago. We received a final payment for " recoverable depreciation for building damage '' that the insurance company held back until the repairs were completed, and we were given approvals by the local building inspector. The check was made payable to my mother, the public adjuster and the bank. I have been trying to get the bank to endorse the check for the past month and a half, and they keep putting one obstacle after another in front of me. The check was for {$21000.00} and is needed to pay off the adjuster for his services. No one at the bank seems to have any accountability or sense of urgency in resolving this issue. The most recent effort involved them sending an inspection company that they hired to ensure all the repairs have been completed. He was able to inspect the repaired unit, and all the common area hallways and stair wells. He claims that he was unable to inspect the occupied units, even though all 3 tenants claim they were home. He set up another time to go, I notified the tenants of the time, and they claim he never came. Then he asked if I would have the tenants send me pictures of each room in their units, which I did. Then I circled back with the bank to see if they would now release the endorsement. Then they claimed the inspection company would not sign off on anything until they had more pictures, pictures that the inspector should have had no issue getting each time he allegedly went there ( common areas and attic ). I am at my wits end trying to just close this matter up, and the bank doesn't seem to care about it one way or another. My most recent contact at the bank is a Ms. XXXX XXXX ( " Lead Specialist '' in the KeyBank corporate office claims department ( XXXX, phone : XXXX ) Please help.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

i applied for a home loan through Chase mortgage. When doing so, they advised there was a {$500.00} fee to apply, which i paid via credit card, to cover expenses like appraisal, etc. All documentation was provided and an appraisal was ordered and completed. On XX/XX/XXXX, i began calling and texting in their chat window regarding questions about the refinance, rates and costs. I called several times and have 3 documented attempts via their chat function to ask these questions. They never returned a call nor answered any of the texts. At that point, i had to find a new lender because I had no idea of the status nor anything else regarding the rates and fees. i obtained a new lender and they advised we would transfer the appraisal to them, which i was fine with. Chase refused to transfer the appraisal. I then requested my {$500.00} back because they refused to help me with questions and would not allow me to use what i was paying for. They have also refused to return the {$500.00}. So they get {$500.00} from a potential customer, refuse to answer their questions, and then refuse to release the product they are supposedly paying for. Sounds like a scam from Chase and they should be reprimanded severely. I guarantee this is not the first nor the last time this will happen.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I notified XXXX XXXX in XX/XX/2020 about a fraudulent account opened in my name and they are still reporting it. ( Transunion )
Consumer complaint received 2021-07-27
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: SYNCHRONY FINANCIAL (MS)

I ordered three items from a merchant from a XXXX add called, XXXX XXXX XXXX, XXXX in the amount of {$180.00} on XX/XX/2021. I never did receive a order number or a tracking number. I went to the website and I sent a request for it thorough the website " contact '' page. I received a email back form them, that said, " They had no record of an order by me ''. I sent them copy of receipt and invoice number as well as transaction number receipt, but they still insisted I " did not order anything form them ''. They said I was " duped '' and " scammed '' by a fake website in " XXXX '', ( see attachments ). So I called " synchrony bank '' ( who owns my paypal credit account ), and they said that they would credit my account, but it has not happened. I should not have to pay for an item I have not received or scammed. I received three emails from the merchant ( see attachments ), that says " I was " scammed '.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have perfect credit. 

On XX/XX/XXXX, XXXX XXXX notified me that my TransUnion credit report changed to include a derogatory account from XXXX XXXX Account. 

Please note that the XXXX XXXX Account was reported as FRAUD through law enforcement reports filed several times including a report filed TEN YEARS AGO on XX/XX/XXXX ( XXXX XXXX Sheriff 's Office, Case # : XXXX ). In addition, I filed a report with the XXXX XXXX Sheriff 's Office on XX/XX/XXXX, when I found that a fraudulent address in XXXX XXXX, Florida, was being used as my residence. 

To this end, please remove immediately the XXXXXXXX XXXX Account from my TransUnion credit report. 

I am happy to pay whatever I owe, but I will not pay a penny of someone's financial scheme.
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TN)

This complaint is in regard to EQUIFAX. They verified an inaccurate account from a company on my credit report called XXXX XXXX XXXX. They reinvestigated the account initially and verified the account when it was incomplete, so I requested that the account be removed. In response to that complaint, they reinvestigated the account once more verifying the same exact inaccurate information. There are payments missing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These dates report " NO DATA ''. This account remains incomplete. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a violation of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an email on XX/XX/2021 from Capital One stating " Dont miss this opportunity to pay down a higher-rate balance with no transfer fee. When you transfer a higher-rate balance today you could save on interest with 13.99 % variable APR for 36 months. After the offer period, well apply your purchase rate of 24.49 % variable APR to any remaining balance of your transfer ( s ). Just be sure to transfer a balance by XX/XX/2021. Then think of how much you could save on interest. '' I clicked the email saying take advantage of this offer, as this deal could save me money on my debt so I wanted to take advantage, in my offers in my capital one account it states " Transfer a balance at the same rate as your purchases, currently 24.49 % variable, without paying a transfer fee. '' This is the only offer on my account, so I call customer support so they can fix it and give me the offer I was given only to be passed around to three different departments and the final answer is the only offer they can give me is the false one listed on my account for the 24.49 %. This was a huge inconvenience as it took a very long time on the phone and false advertising for debt solutions that I wanted to use. They had no interest in helping me or honoring their offer that they sent me.