davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Back in XXXX I had 2 credit cards with XXXX  XXXX. My first card was a XXXX credit card that I gave XXXX to open on XXXX then in XXXX they gave me a card without any money down. In XXXX I was out of town on business and I was stranded without any money so I had my girlfriend send money to my credit card because I done it once before I just had to wait for it to show up on my card and it automatically goes through at XXXX XXXX. I was at a hotel waiting to pay for a room and there was people trying to get my room if I didn't pay so I called XXXX XXXX and explained my situation and right off I could tell that the guy I talked to seemed like he hated his job and I explained that I've done this before and he said he can see that the money was there but it wasn't released yet because it was XXXX minutes to midnight and he did not care he was to busy talking to the guy next to him thats when I asked to speak to a supervisor so he put me on hold and then a guy answered and it was the same guy he was talking to the entire time. So I asked for his name and he said they don't give out there names. At this point I was done, I told him to cancel both my accounts and I hung up. I slept in my car that night and the next morning on my way home I called corporate office to talk about what had happened and I spoke to a guy that was truly a nice guy and I think he was a GM if my memory serves me right but anyway he said that he the guy the night before had canceled my card that I paid XXXX to open but not the other one and he talked me into keeping my other one plus he did something else that was pretty cool I just can't remember what it was. Anyway so I had only one card left and 2 years later I found out that the card that I canceled was 90 days late on payment so I called them back and wanted to know why 2 years later I was dealing with this when it should have been canceled and the XXXX I put up to get it I just let XXXX XXXX keep it because I was at the limit anyway so just keep the XXXX and be Done with it. I remember the girl saying are you sure you want to do this and at the time seemed weird but I was like yes and she said okay and come to find out it was a charge off. Now it looks like 90 days late and a charge off and none of it makes sense at all. 

I apologize for writing so much its like I just relieved that moment. Sorry but please help. Thanks XXXX XXXX
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MA)

On XX/XX/2023 I have closed on XXXX XXXX XXXX, XXXX, MA XXXX taking a mortgage from Rocket Mortgage. 
On XX/XX/2023 I have locked the loan. That rate lock had LLPA hit XXXX XXXX for DTI > 40 %. 
On XX/XX/2023 I have learned that FHFA has delayed that charge until XX/XX/2023, so the Rocket mortgage announced that XXXX fee will be removed. 
On XX/XX/2023 Rocket mortgage has posted the Closing Disclosure for the closing date XX/XX/2023 without removing LLPA hit XXXX On XX/XX/2023 I have asked to update the Closing Disclosure to remove XXXX fee. 
On XX/XX/2023 I have received the answer : To close As Is with the XXXX hit or the loan has to be removed from the closing to get wire adjusted, which would result in the closing being moved back a day or two. Since removing from the closing wasnt the option for me I would be in the position for breaching XXXX & XXXX contract and default I asked to be reimbursed after the closing. 
I was told that Rocket Mortgage will not reimburse me after the closing. 
On the closing date XX/XX/2023 Rocket Mortgage posted an updated rate lock which is still indicating XXXX hit for DTI > 40 % after the official removal letter. 


Im asking you to help me to get XXXX pts = XXXX x 0.375 % = {$2100.00} which Rocket Mortgage had Charged me.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (CA)

I dropped off my equipment to XXXX XXXX when I cancelled my service with them on XX/XX/XXXX. I asked the representative if there was anything further that was owed, to which he said " no ''. I paid off the account and that was it. Fast forwarding to XX/XX/XXXX I received a notification on my XXXX XXXX informing me my credit score decreased due to a collection ( over 60 points ). I was NEVER notified in writing by either XXXX or Credit Management LP for over {$500.00} dollars. I contacted XXXX and advised them of the issue to which the stated it was for early termination and they should be able to waive it and remove it. After going back and forth I paid {$180.00} ( price owed was less than that I am supposed to be receiving a check in return ). I contacted the collection agency and they stated they wouldn't be able to remove it because they had to go off of the information XXXX had. I never received any notification about any funds being owed by either XXXX or Credit Management LP prior to it going on my credit. I haven't had a collection in YEARS or any late payments. I feel this is highly unjust, unfair and unruly practices being played by the cable company. I closed my account with a {$0.00} balance and never thought more about it from XX/XX/XXXX from what the rep said at the office I walked in.
Consumer complaint received 2022-05-04
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. (HI)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance : {$340.00} and XXXX  XXXX XXXX Balance : {$520.00}.
Consumer complaint received 2022-04-13
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: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/2022, I was in the process of booking a flight on XXXX. During the process I was offered a {$400.00} discount on that transaction, plus XXXX bonus miles if I applied for the American Express Gold Skymiles card. I applied, and was approved, and clicked the link to request the card number so that I could use it for this transaction. However, when I went to do so, the American Express site required the security number from the physical card in order to see the card number, which of course I did not have. I attempted to navigate to this number instead from the approval e-mail I received, and when I did it said that the number was not available. 

I contacted AmEx customer service, who told me that these cards are not available for instant access. After being elevated to a supervisor, I was offered to have the card overnighted to me, which I accepted as an alternative. However, I then discovered the supervisor canceled my other AmEx card ( XXXX XXXX XXXX ) and sent the reissue for that overnight instead. I contacted customer service, who told me that they can not expedite the XXXX card, i.e., I would not be able to use it for the flight that I'm trying to book, meaning that in order to receive the credit, I would have to book another XXXX flight on the card at a later date. 

Now I also can not use my other AmEx card until the replacement arrives because it was erroneously cancelled. I was not offered any further assistance. I cancelled the XXXX account since this appeared to be a bait and switch ; I would not have applied for the card had I known I would not be able to use it on that transaction, as advertised, but would have to make another XXXX purchase after my card arrived.
Consumer complaint received 2023-03-31
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. (VA)

On XX/XX/XXXX, submitted a dispute for a payment to a merchant who provided services that were not as described. Several months later, on XX/XX/XXXX, I received correspondence from Citibank ( card issuer ), that my dispute and the provisional credit had been reversed based on information from merchant. Information from merchant was provided to me, which included photos of an unknown person, and an email between the merchant 's corporate office and the physical store location. I provided a rebuttal to merchant 's response to Citibank ( card issuer ) on XX/XX/XXXX. Shortly thereafter on XX/XX/XXXX, I received a letter stating the claim was closed in merchant 's favor, despite my rebuttal including the requested information. Card issuer 's letter of XX/XX/XXXX, is continuing to claim that the information requested was not provided, including a proof of return, for which non exist, because payment was for a service, not a product.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-13
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. (NJ)

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

My card was deactivated by the reliacard due to a mistake on their behalf. They wouldnt allow me to have my refund from a hotel business and thought that they were mistakingly giving me a refund when they were not mistaken. I havent been able to buy my XXXX   opera and wipes, food, or pay bills and I am currently XXXX and cant buy my XXXX medications nor put gas in my car to take my children and myself to the hospital appointment appointments. We are in a deep hardship and crisis due to ReliaCard errors. 
The only best way to avoid being declined in the future is to have my money transferred back to XXXX XXXX and not reliacard. I do not wish to do business with them any longer. I do not want to be their customer anymore. To do so would put my family in another potential jeopardy. 
I want my money transferred back to my XXXX XXXX where my needs and my families can be met. 
Please email at XXXX I can reply very fast this way. 
Thank you for your time.
Consumer complaint received 2023-04-08
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

During the months of XXXX through XXXX, this debt collection was seized and removed from my credit account due to being fulfilled with the company. An ex-spouse had stolen the property, I reported an incident and spoke with the company, then the debt got removed. 

Unfortunately, they re-aged the debt and added it onto my credit account, AGAIN.
Consumer complaint received 2023-04-08
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX BANK Account # 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.
Consumer complaint received 2018-08-02
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: EQUIFAX, INC. (TX)

I have tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to fix these issues with Equifax . To dispute this inaccurate information which is violating my consumer rights. XXXX  account # XXXX and XXXX XXXX XXXX only the one opened on XX/XX/XXXX have been disputed for mulitple inaccuracies. The most recent in results says that this was verified. HOW? where is the proof of my signature? where is the signed contract? 

XXXX XXXX is reporting inaccurately because : -how is it opened on XX/XX/XXXX and deliquent on XX/XX/XXXX? It doesnt make sense -5 months recieved payments? when? payment amount? 
-How is this account not reported until XX/XX/XXXX? 
-No close date reporting? 
- and reporting open? No credit limit? 

XXXX XXXX -how is this past due and charged off?? 
-no date closed yet? ITS CHARGED OFF? Its not OPEN!!! 
-How is the charge off amount higher than past due balance? 
-Where is high credit? Credit Limit? Payment amount? 
All these are clear violations of my FCRA and FDCPA rights as a consumer.
Consumer complaint received 2022-02-07
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: CITIBANK, N.A. (OH)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. 

A woman with a similar name to mine purchased a new Nissan XXXX 2020 from the XXXX XXXX Nissan Dealer ( California ), using my name and SS #, for {$40000.00}. 
I found out when it appeared in my credit report, which is damaged already by this. 

The Nissan Dealer said it's not their problem and washed their hands. 

Nissan Finance requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave Nissan Finance the case #, and requested the Fraud Package 4 times, and the package never arrived. Nissan refuses to send the package thru a different method and refuses to take the vehicle off my record. 

This is seriously damaging my financial record that was impeccable before this happened.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I called XXXX to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with Equifax and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XXXX/XXXX/XXXX
Consumer complaint received 2023-01-13
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. (KS)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Another piece of evidence that PHH operates above the law and actively participates in bad faith business practices. 

1 ). On XX/XX/2022, I received ( via certified mail ) letter from XXXX XXXX XXXX c/o PHH ( see attached Exhibit A ) in response to my Loan Modification appeal ( " new '' loan modification monthly payment was an estimated double monthly payment - too high ). XXXX XXXX proposed a lower amount and gave me 7 days to respond ; 2 ). On XX/XX/2022, I emailed XXXX XXXX ( see attached Exhibit B ) stating that I received her letter on XX/XX/2022 and that my 7 day window started on XX/XX/2022 NOT XX/XX/2022 as listed on her said letter ; XXXX ). XX/XX/2022, I received an email from XXXX XXXX  c/o PHH ( see attached Exhibit C : demanding payment by end of business XX/XX/2022 ( no listed payment amount or source contract depicting agreed to payment simply no payment amount ). Further, in the event that I didn't make said ghost payment " we will not review the account for a modification ''. I called XXXXXXXX XXXX ( XXXX ) XXXX and left a message on her voicemail ; 04 ). On XX/XX/2022, I did response within the timeframe to XXXX XXXX 's XX/XX/2022 letter ( see attached Exhibit D ). 
PHH is acting as a debt collector NOT a mortgage servicer who has been tasked to help homeowners, such as myself, through the complicated loan modification process.

PHH continues to prolong and delay said loan modification process by 1 ). NOT having a single point of contact - I have never spoken directly with my " assigned '' XXXX XXXX. 
XXXX XXXX didn't send the aforementioned XX/XX/2022 email XXXX XXXX XXXX  did. Who is XXXX XXXX? I have know idea as I never knew of her existence prior to XX/XX/2022 email. 
My loan modification paperwork has been lost and not mailed previously. During this whole process, I have had a active Trustee 's sale date over my head. I have had strangers coming to my home because of the Trustee 's sale date. I don't know if XXXX XXXX is an real estate attorney however that is dual tracking as depicted in California law.. PHH 's customer service reps are NOT qualified to deal with people 's homes. This has been nerve wracking and certainly not good for our mental health. 
I just want to keep my home, get an affordable loan modification and move forward from this financial hardship. I hope we are close to resolve this. I have also be approached by many real estate attorneys who are telling me PHH/XXXX have been sued many times for just what is going on with me here. Just search Consumer data base and you can see all the complaints against PHH/XXXX XXXX 
Again, I just an affordable loan modification payment and to be done.