davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-10-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AR)

We went trough a GRUELING process with quicken loans via Rocket Mortgage. Gave them ALL financial data, Bank access, taxes, numerous pay stubs, getting fees together and dealing with the stress of them messing with us. During this process early on we found that one of our credit card companies had miss-reported to our credit that we had an account that was not paid and closed when it was. I had this fixed back in XXXX. In XXXX. The min requirement for our credit score came up and we were pre approved. Now 2 ot 3 days before closing, now one day, they come at us saying there are issues, they couldn't verify my employment, so I had my boss call. Submitted another pay stub. Now they are trying to bait and switch us to a different loan despite my credit score being higher as they say that is invalid and we now need 20 % down and they cant do the FHA loan. This is a clear bait and switch and very corrupt and obviously not legal. We have been struggling to figure out why they hit our credit report so many times making it lower in the first place but now its still in the 700s mortgage score and well over 700 basic score, ( a bunch of XXXX as well ), and now it has become clear. They never had any intention of helping us with the FHA loan in the first place and wanted to force our hand into coming up with more than XXXX of more money for them to take. This is immoral and they need to be sanctioned and fined heavily. They are rude on the phone and very unhelpful and this is our next step in getting assistance with these big companies taking advantage of hardworking middle class familys.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was texted on XX/XX/2021 from a phone number stating that he was the CEO of the company that I work for and required me to an urgent task. He asked me to get XXXX gift card in XXXX, XXXX, or XXXX for the amount of XXXX {$500.00}. Only XXXX gift card of {$500.00} could be purchased initially in the first XXXX Pharmacy store. I had to get XXXX {$100.00} in the same store. Then, he asked to send him the code directly. After XXXX purchase of gift card totaling {$1000.00}, he asked me to go back to the store to get XXXX {$500.00}. I was only able to get XXXX {$500.00} gift card in the same store. 
So, he asked me to go to another XXXX store to the remaining {$500.00} gift card. I went to the XXXX XXXX store and was able to get {$500.00} gift card. Now, it was totaling to {$2000.00} of gift cards. After the completion of the purchase, he asked me to get more of XXXX {$500.00} in that second XXXX store. I went back, but the sale agent informed me that I can only purchase XXXX timer per store. I went to the XXXX XXXX store to get the XXXX {$500.00} gift card, but the sale agent printed the receipt that it only allowed {$2000.00} gift card purchase per day. So, then I went to XXXX store to get XXXX {$500.00}. When I was there, I was asked to get XXXX {$500.00} instead of XXXX {$500.00}. So, I purchased the XXXX {$100.00}. Each time after the purchase, he always asked to send him the gift card code directly. I did that each time. I had some doubt in XXXX that it was the CEO of the company and called him. However, he told me that he is in a conference call right now and will call me back in XXXX min. I also told him my concern over the text that this is really him. He told not to worry that this is him, XXXX XXXX. After I sent him all the code of XXXX gift cards, he told me again that XXXX cards didn't work. So, I finally texted my coworker XXXX and asked him whether the phone number of the person texting me is XXXX 's number. He told me that it is not what he saved in his phone book. So, I finally realized that I was scammed and stolen from the person texted me.
Consumer complaint received 2015-11-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (IL)

XX/XX/XXXX my husband and I took an auto loan from Regional Acceptance Corp for a XXXX Ford Escape. In XX/XX/XXXX the vehicle was totaled in a car accident that was not my fault. At this time we were still making our monthly payments of {$370.00}. Our insurance company, XXXX, required a payoff amount from them and XX/XX/XXXX sent a check to them for {$6600.00} to pay off the vehicle. We are now buying a house and found out that they have been reporting us late to the credit bureau every month since then stating that we still owe them {$3700.00}. I have been calling them to discuss this 4 times a day everyday for the past week. I can not get anyone to answer the phone and I have left over XXXX messages and have not received a call back at all! This false debt is the only thing standing in the way of my husband and I being approved for an FHA mortgage to buy our home. I do n't know what to do now. I have had nothing but problems with them since we acquired our loan XX/XX/XXXX and I have read nothing but negative reviews about them concerning all of the same problems as we are having!!! Please help!!!
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I was contacted by a person named XXXX XXXX from National Credit Systems, stating that I had a debt in their office due to collections. I confirmed my name with her, and I asked what debts she was referring to. She never asked me to confirm any other information such as my date of birth before providing me with medical information. She then proceeded to tell me that I had a debt from Texas XXXX as well as 5 other debts from XX/XX/XXXX XXXX XXXX XXXX, gave me each debt amount, the date of service and the providers name. and the account number for all the accounts. I told her that I needed to see this information in writing and asked her for a letter of validation. she said she would notate the account and request for me to have a statement sent down showing the breakdown of all the charges. I gave her the address and she assured me that she would make sure that this was not going to be reported to my credit until I had a chance to see the letter and verify everything. on XX/XX/XXXX, I got notification that 5 new collections had been reported to XX/XX/XXXX A debt from XX/XX/2016 for XXXX to XXXX XXXX XXXX XXXXXX/XX/XXXX, a {$21.00} debt to XX/XX/XXXX XXXX XXXX XXXX, another debt of {$170.00} to XX/XX/XXXX XXXX XXXX XXXX, a {$25.00} debt to XX/XX/XXXXXXXX XXXX XXXX and a {$24.00} debt to XX/XX/XXXX XXXX XXXX XXXX. I never received any letter in the mail before the dumping this to my credit not even 2 weeks after contacting me. This is a violation of HIPAA regulations as well as the Fair Debt Collection Practices Act. also, National credit Systems continues collection activity on accounts they did not validate within 30 days as specified under Texas Finance Code. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to the validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XXXX XXXX they are still reporting the account on my credit. Which puts them in violation of various state collection laws.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I pulled my credit report and notice that there were things on my credit report that didn't belong to me I disputed on XX/XX/XXXX the things that didn't belong to me I have yet to hear from anyone.I followed up with the credit Bureaus on XX/XX/XXXX nothing has be sent to me regarding the account that doesn't belong to me.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We requested mortgage forbearance from PennyMac on XX/XX/XXXX and recieved a notice of acceptance that stated we would not have to pay back the full amount owed at the end of the forbearance and that there would be several options such as defferal, modification etc. We renewed the forbearance for 15 months and requested the final three months ( that according to the cares act we were entitled to ) and that last forebearance was denied. We received a notice that our forbearance was ending XX/XX/XXXX. We called and asked what our options were and PennyMac offered a modification. We filled out the paperwork for the mod on XX/XX/XXXX and were sent a notice on XX/XX/XXXX that we were denied the modification due to not completing our last modification. We call in XXXX and XXXX speaking with different people asking for another way to resume payments and come out of forbearance but were told there is nothing they could do. This was never mentioned in the first or any successive forbearance updates. In XX/XX/XXXX we received a notice of default and intent to accelerate demanding 22 months of payments equaling {$73000.00} by XX/XX/XXXX or risk foreclosure proceedings.
Consumer complaint received 2021-07-25
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: CAINE & WEINER COMPANY, INC. (NC)

Hello I have never had a credit WITH XXXX XXXX, Caine and weiner, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.XXXX XXXX and Caine and Wener was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. 

Thank you
Consumer complaint received 2022-12-16
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. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) a
ny actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I filed a FTC report in reference to the following accounts that are we reporting and have not been throughly investigated by the following credit bureaus. This continuous inaccuracy has caused me hardship and denial in extension of credit.
Consumer complaint received 2022-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

An account was opened XX/XX/2019 with Capitol One Bank. The address attached to the account was in XXXX, Texas. I never lived in XXXX, Texas. I never opened an account with Capitol One. 
My sister recently placed me on her accounts as an authorized user and neither of us ever lived in Texas.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on report.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (MD)

l am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number BMW Financial services XXXX. In XXXX of XXXX BMW Financial illegally repossessed a vehicle I had with them. BMW then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of {$35000.00} and I should have been due some amount of equity returned from the sale.
Consumer complaint received 2022-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 604 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (TX)

Yes I purchased a XXXX XXXX in XXXX on XXXX XXXX term deal the truck was to be paid off of XXXX but I got some advances on the truck they say XXXX to be exact so I paid the XXXX advances which made the truck pay off date XX/XX/XXXX now Ford credit is telling XXXX that I owe {$3100.00} on the truck which makes it 4 extra truck notes plus the extra months I have paid in XXXX which makes it XXXX extra payment and that is free money to whomever at Ford credit I have paid XXXX on a truck that really should have been paid off at the end of XXXX need help with this matter
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (NJ)

I have been closely monitoring my credit for the period of six months and requested for a validation of each fraudulent accounts listed on my report to be verified and validated with the original promissory note/letter. 
I received no remedy of result from this request. 
As time ensued, I discovered multiple consumer violations of 15 USC subsection 1681 ( c ), 15 USC subsection 1681g ( a ) ( 5 ) of which my information was sold causing me financial setback having negatively affected my acquisition of various items of necessity. Violation of 18 USC subsection 1028 A ( 1 ) where the knowingly transferring of my private identity without lawful authority. Several violations of Permissible Purpose reports 15 USC subsection B, where I gave no authority for reporting my credit scores.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

SunTrust denied a deposit from my XXXX federal account in the amount of XXXX. This deposit was made in order to cover a XXXX charge that was pending. SunTrust denied the deposit, and charged me XXXX overdraft fee for the XXXX charge. I later learned that they were having online banking issues due to the merger with BB & T. I called customer service multiple times and no one would help. I was transferred to a supervisor who hung up on me. I should not have to pay for their system errors. If they has accepted my XXXX deposit there would have never been an overdraft fee. I now have two XXXX overdraft fees, leaving my account XXXX cent. I have been a customer for XXXX plus years, and this is what they do to their loyal customers. This is systematic Classism! I am a single mom working 3 jobs just to care for my family 's " basic needs and they can get away with stealing my money. My daughter needs XXXX, but I'm sure no-one cares, that XXXX SunTrust stole could pay for it. We obviously are not rich enough for anyone to care.
Consumer complaint received 2018-06-30
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MO)

I have a student loan account with Navient.navient is now commiting fraudulent reporting on my credit report.I have been making regular monthly of {$100.00} since XX/XX/XXXX.I didnt make a payment XX/XX/XXXX because for the fraudulent and inaccurate reporting. The took my payments for XX/XX/XXXX and applied only to one loan XXXX which is {$15.00} a month.Where where payments for XXXX XXXX XXXX applied to.Now my XXXX payments of & XXXX were not applied to any of my accounts.If this were any other business I would have every right to sue.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-06-30
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: SYNCHRONY FINANCIAL (GA)

These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with Syncb/Care Credit in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
Consumer complaint received 2023-08-10
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: Mr. Cooper Group Inc. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for ARk purpose.