davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Quicken Loans ( now doing business as Rocket Mortgage ) did hard pulls on my credit information ( multiple times ) without my consent.

We are on our 3rd loan with the company. After the loss of a job, they were sending information saying they might be able to save us money on our mortgage. We responded with a phone call. On the phone, I was very clear that I was only checking in and that I was not sure their selections would save us any money since we already had a good rate.

I was also clear that I did not want them to pull a hard credit inquiry. I was told they would not do this because we already had an existing loan and quite a long record with them.

Not only did they pull a credit report, they pulled a 2nd report 2 months later. Neither was authorized in any way. They had asked me ( by email ) to go to their website and fill out an " intent to proceed, '' which I did not do because we decided against the refinancing.

When I checked my credit report I contacted the company about these pulls because of the conversation where I was told there would be no credit pull. The VP of the company said their recorded phone calls did not go back far enough for her to verify that conversation, therefore she could not do anything. I reminded her that it is against the law to pull a report without permission and that, if her records don't go back far enough to verify our conversation, they don't go back far enough for her to verify that her company had permission to do these pulls.

Her stance is that, based on the phone call, I gave implicit permission. I did not.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (TN)

I had a payday loan that was do on XX/XX/2019 for {$500.00} with check n go XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted the manager XXXX because my payroll check was short two due to a payroll error. I explained the situation to him and told him that i would have to come in next week because i did not have enough to pay and rewrite my loan.He told me he could not guarantee to hold the check. I told him the money is not there and i am trying to let them know i will be in next week. He said he would call district manager and call me back. He did not call by XXXX XXXX   so i called him back he stated that he spoke with his district manager and he said as a one time courtesy that he would honor it. I told him i would definitely be in next week to pay. I told him if they pay it Monday i would be in but if not definitively on my payday that Friday. I called to give a follow up XX/XX/2019 letting him know i still was not able to borrow but would be in on Friday XXXX said OK never said anything about sending it into the bank. This morning XXXX 2019 my account was overdrawn because he sent the check in. I called him when they opened at XXXX and asked him to have his district manager to call me. He stated that he was the manager i told him i did not wish to speak with him and to have his district manager to call me. He then stated that his district manager was  on PTO. I then asked for a number to there corporate office he gave me the wrong number twice. When i called the number it was asking am i a home owner. I told him i would call another location and get the the number that was given to me was a customer feedback number no where to really speak with no that could help. The gut typed in my feedback and that was all.
Consumer complaint received 2020-12-14
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. (TX)

I have already notified the credit bureaus of my identity theft issue 2 months ago. I was always under the impression that the credit bureaus have 30 days to complete their investigations. It seems as if my investigations have been ignored. According to 611 ( a ) it clearly states that failure to investigate within 30 days is grounds for automatic deletions. Please delete these accounts immediately.
Consumer complaint received 2018-10-16
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. (AZ)

I filed investigation for collection account on my Equifax report for XXXX XXXX XXXX. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. Equifax failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLD NATIONAL BANCORP (TN)

In XXXX of 2013 I had traveled to XXXX for my sisters wedding. I was gone for the entire month of XXXX. Prior to that period I had withdrawn most all my capital in my checking account for financial security for international travel. Upon my arrival back to my house, XX/XX/XXXX, I had received a letter stating that my account had been charged a monthly fee and due to lack of sufficient funds had been overdrafted to an excessive charge of {$240.00}, within one month, for lack of sufficient funds and then overdraft fee 's self imposed by the bank. Within one months time I had been sent to collections without any contact or right to dispute the charges. I went to the bank to dispute the charges but they provided no assistance at all and said it was too late and was out of there hands to do anything. I was charged overdraft fee 's in bad faith and sent to collections within a months time without any right to dispute. They bank 's incentives were aligned with maximizing profit by charging me an excessive amount of fee 's and sending them to collections to force payment without letting me dispute anything.
Consumer complaint received 2022-06-12
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. (FL)

On XX/XX/202, I sent a letter to Equifax regarding inaccurate and unknown things on my credit report. It's been more than 30 days and I still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 60 days so those items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-10-16
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: FORD MOTOR CREDIT CO. (CA)

FORD MOTOR CREDIT, ACCT.NO.XXXX .... is wrongfully appearing on my XXXX credit report.Ford financed and sold me a lemon, an unsafe vehicle that did not meet the implied warranty laws of the state of California and never will.Never since new has the car been safe or functioned normally.From the start, the fuel pump and air bag module malfunctioned.The front driver seat does not adjust, The doors unlatch by themselves while driving.The transmission had to be replaced at XXXX miles.The transmission clutch still doesn't function after replacement, The motor mount broke, The hood latch doesn't close.The trunk latch releases anytime.When my wife was stopped at a red light and rear ended at high speed, two air bags did not deploy.The list continues but what matters here is that two different branches of the same company are involved.

The manufacturer and the lender.Ford motor credit doesn't know what the manufacturer keeps secret.The car when sold was defective, severely illegally defective.It has XXXX value except as scrap metal.NO ONE CAN BUY IT, NO ONE CAN SELL IT.

YET, the financial branch Ford Motor credit wants to destroy my credit because at a certain point I no longer wanted to pay for a vehicle that was unfixable and unsafe. 
When it was sold and financed it was not what it was claimed to be.Everyone just wants to not obey the implied warranty laws of CALIFORNIA. 
THIS ITEM SHOULD BE DELETED FROM MY CREDIT FOR FRAUD OF THE MANUFACTURER AND FRAUD OF THE LENDER.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

I got a {$1100.00} on my paypal account. But paypal does not allow me to add banks to transfer it or mail it to my address. 

When I tried to add my bank account, it asks me to contact the customer representatives who can do nothing. 

When I tried to mail a check. It says " There's a problem with your address. Please check it and try again. ''
Consumer complaint received 2020-01-31
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 (CA)

Capital one just put a past due collection of {$330.00} on my credit score. I have not had an account with capital one in over 3 years. I have not even tried to apply for one due to having 2 already in collections.. This {$330.00} account which came to be 4 months ago is not me. Not mine. And is 100 % wrong/faud. And it needs to be removed
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I submitted a previous complaint on XX/XX/18 stating all the previous information : Complaint # XXXX about SPECIALIZED LOAN SERVICING LLC. 

I have asked since XXXX for a postponement to get the review and assistance from the Mortgage company and to work with XXXX XXXX XXXX XXXX. They have been not giving answers and keep saying they can not postpone the foreclosure. This is a false statement according to New Jersey Statute NJSA 2A:17-36. Adjournments of sale of real estate.

NJSA 2A:17-36. Adjournments of sale of real estate provides that a sheriff or other officer selling real estate by virtue of an execution may make two adjournments of the sale, and no more, to any time, not exceeding 14 calendar days for each adjournment. However, a court of competent jurisdiction may, for cause, order further adjournments.

In New Jersey, a Sheriffs sale of a foreclosure property can be adjourned ( fancy for postponed ) twice by the Sheriff at the request of the homeowner for any reason. Each of these adjournment shall be for not more than 14 days. The lender may request an adjournment as many times as it wants without reason. Once the two free adjournments have been exhausted, the homeowner may apply to the Court by Motion for further adjournments provided good cause has been shown to the Court.

For assistance in obtaining an adjournment of a sheriffs sale of a foreclosure home, contact your local Sheriff department or a qualified NJ foreclosure lawyer in New Jersey.

I wanted them to postpone to review my file to see that I can make the mortgage payments and we can come to a solution for the back payments owed. 

I need for them to postpone as I never received documentation on a foreclosure fromt he Sheriffs office and I had the Urban League not do anything in XXXX and this is why I am beyond the 37 days.
Consumer complaint received 2020-12-14
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: Westlake Services, LLC (CA)

On my XXXX  report there is a closed account with huge amount of missed payments. WESTLAKE SERVICE INC Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WESTLAKE SERVICE INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HARBORONE MORTGAGE, LLC (NJ)

Harbor One Mortgage, LLC. My sister passed away from XXXX. I'm her executrix. Nothing but problems on closing. Neither lawyer kept me in the loop which is also upsetting. I was told closing was XX/XX/21. Didn't close until XX/XX/21. Payoff amounts wrong. Payoff didn't arrive at Mortgage co. Until XXXX. They pulled XXXX mortgage payment. Getting run around. I'm told now I must wait until XX/XX/21 at earliest for a response regarding reimbursements. They won't tell me who is responsible for extra interest on loan which was not my fault. Terrible process and almost impossible to get a person on the phone..all prompts all the time.
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (TN)

None of the choices before this, matched my complaint. I chose the closest fit. 

I got a mattress as a " lease '' with Acima credit. I was not able to pay off in 90 days, at which time, the lease more than doubled. I was never sent or given a truth-in-lending, just a generic paper showing that the mattress was {$600.00} and I paid down {$100.00}. 

I contacted Acima three different times upon finding out the amount of interest they charge and told them to pick up the mattress. They refused, saying they needed pictures of the mattress, which I am not equipped to do. I told them by email three times to come and get it. It is now showing on my credit report. 

I feel this company does not operate legally. The complaints on their XXXX  page and XXXX page are reflective of this, with almost all customers saying they did not receive appropriate paperwork. 

I would like this removed from my credit report ASAP. If they want the mattress, they can still come pick it up. I refuse to pay {$1700.00} for a {$600.00} mattress, that several payments were paid on before seeing the amount they charge in interest.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

The hospital & my insurance company has reach out to them and they spoke to them also but they have not pulled this out if collection saying give them 30 to 45 days I do not believe I should have to wait that long when the hospital has clarified that it was never sent and that this is not my bill because I do have insurance on file and that it was a mishap on their part!! Why should they still allow my credit to be tarnish after 2 years of harassment not one letter stating I could had the right to dispute but just forceful calls demanding pay when I tried explaining my insurance situation servals times. I call the hospital after my last argument with this company and to my avail I sure did not owe abd Im being turned down on homeowners ship due to this the other collection agency has removed theirs already and both was reached at the same time with the same information they just want to drag me and my homeowners ship process along which is not fair by law my rights has been violated from this company
Consumer complaint received 2020-01-31
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. (CA)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was opened fraudulently I have reached out directly to XXXX and was told on XX/XX/XXXX XXXX they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was upset after I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (KY)

I have been given the run around for months over an account that my mother opened in my name. I have a state trooper involved to help me try to press charges against her and no one will give the trooper or I any information. I keep being told that I will get paperwork sent to me and never receive any paper work. I also was told the trooper can call and get the information and they will not allow him to get any information.
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (FL)

I recently went under contract on a home and was working Guarantee Rate to secure a mortgage. I was disputing a liability that had come up during the process. In response, they sent me, my wife, and my realtor full account numbers for my student loans, my wife 's student loans, and our car loan. This was done without password protection or encryption. I believe that in this case my realtor was a nonaffiliated third party who should not have been given access to this full PII information under regulation p.
Consumer complaint received 2018-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I initiated a transfer for {$1400.00} via online banking on the Bank of America website on XX/XX/18 at around XXXX. This was payment for deposit and first month rent after I had sent back a signed lease to the scammer. I had discovered that it was a scam later that day and called Bank of America at around XXXX on XX/XX/18. I had asked them to stop the transfer, but they said there was nothing they could do even though they knew it was a scam.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GREAT WESTERN BANCORP, INC. (IA)

Great Western Bank. On XX/XX/XXXX, I authorized a payment for the morning of XX/XX/XXXX for {$100.00} to be paid to my credit card from my checkings account. They posted the payment on XX/XX/XXXX. They never credited the amount to my credit card, but took the money out of my account, over drafted and charged me, and put the {$100.00} back in my account. If they had charged me on the authorized date, the payment wouldnt have been overdrafted. Secondly, my bank account is not allowed to go negative for any sort of payment. And then, on XX/XX/XXXX, somebody reauthorized that exact same payment. I did not authorize the payment a second time. They once again over drafted me and charged me for it and then returned the {$100.00} never at any point crediting it towards the account it was supposedly paying. In total, they charged my account at least {$150.00} in overdrafts and return fees for one payment that did not get posted on the Authorized date, and then got reauthorized by someone to overdraft and charge me more. They are literally robbing me and not only am I out the {$100.00} that I need to pay my credit card company, they affected my credit score significantly by delaying and not processing the transaction correctly and then recharging me unauthorized.
Consumer complaint received 2022-10-18
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$990.00}