davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

XXXX my husband and I applied with multiple lenders while trying to purchase our first home for XXXX. We ended up going with Quicken loan aka Rocket mortgage. After submitting all of our required documents we were told that we did not meet the income requirements because of the unemployment my husband recieves due to being a union seasonal worker. We went back and forth but were ultimately denied. We thought we would never be able to purchase a home. This was my husbands career that at the time he had been doing for about 15 years and they led us to belive that because of how that career was structured we wouldn't ever qualify. In the end a we went with our second choice. XXXX XXXX loan which never had any issues with my husbands line of work or income sources. We bought our home in XXXX and sold it in XXXX and relocated to Alabama. We were house shopping at the hight of the covid-19 pandemic, my husband was laid off was not able to return until XXXX of this year. We had just found a house that was a great deal. So that we didn't loose the house to the market, our parents took out a loan on some land that they owned and bought it outright for cash XXXX and added my husband to the title with them. We made the agreement that when he went back to work we would refinance them off the loan. Since my husband is back working we applied and rate shopped with several companies again. Our second choice thought it be better to put us in an conventional lone due to fees being cheaper and paying less over the life of the loan, Quicken wanted us to go with FHA and told us we were getting a better rate, It was like pulling teeth to get a loan evaluation for a conventional loan which he said wouldn't be a good fit.. We eventually decided to go with Quicken again only to run into the same problem. After submitting documentation we were told that it would be best to not use my income being that im self employed and it would be an extra hassle with providing documentation and that we didn't have to go through all that. In the end we were first told that we didn't qualify because they couldn't use unemployment to qualify us for the loan but all we needed was a cosigner and at that point they were going to stop the loan process if we chose not proceed with a cosigner. We provided them with support documentation, some even from they're own website, that stated seasonal workers can indeed legally use unemployment for income verification. We were then told that he would submit new information to his " team '' to make sure that he was doing everything correctly. He came back a couple days later and said that with the unemployment we still didn't meet the income requirements because there was a fluctuation in income even though that's the way his job is set up. All jobs in all states have their own pay scales because He is a union employee for over 20 years and the only requirements were that he made income and unemployment for both years and worked his job for month than 2 years.
Consumer complaint received 2021-07-07
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 — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service (MN)

Someone fraudulently opened an account with military star / AAFES in XXXX of 2019. I have been consistantly calling AAFES / Military star as well as their collection agent XXXX XXXX For the last two years and they have done very little to satiate my need for relief. I have started multiple inquiries into the matter at great expense to myself ( purchasing a printer, sending multiple copies of ID and signatures, police reports, etc. ) and they have done nothing. I have requested proof that the debt is mine and they failed to provide it on several occasions while simultaneously stating that it is my debt and that I need to pay it. I have gone over two years without being able to use my credit since they are on my credit score as being in collections for {$6000.00}. This is causing great pain and suffering in my life as I am unable to buy vehicles on credit, un able to buy a home, and last year they garnished my federal tax return even though I have been fighting with them for 2 years through their fraud team to try to get this removed.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CT)

I had applied for a XXXX XXXX card in XX/XX/2021. I received a confirmation that I was approved but never received the Card. The card is issued through Synchrony Bank located at Synchrony Bank Corporate Headquarters Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX I have tried to reach the bank but was unsuccessful. Idid not find any e-mail address and when I tried to call I was on hold for 50 mins.. So I hung up. I wanted to cancel the card since I never received it. It also stated the it would not affect my credit report but it has drop my rating by 9 points ...
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report is reporting a late payment in 2017 from XXXX XXXX XXXX. Ive mailed them, called on several occasions to dispute this issue. I have disputed the issue with the credit bureau as well and this will be my second complaint through this portal, in which XXXX XXXX XXXX responded and said they would resolve. Its now a year later and Im trying to purchase a home and this late payment which is incorrect is still showing on my credit report.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CU Recovery, Inc. (OK)

XXXX XXXX with CU Recovery called my work and started harassing me. I told him to call my cell phone and he state '' if you ask me nicely ''. I have been called by him before and he threaten me, telling me that he was taking me to court and several other threats. I called and spoke to someone else that help me work out what I needed to do. I have gotten on line and paid, which I'm paying every two weeks, that I set up not the company. I will pay my bill, I had messed up my account. He tried to tell me I couldn't I had no one to complain about him to. I was out of work for a while and now working two jobs to get everything cleared away.

Company : CU Recovery , Inc. & The Loan Service Center , Inc . 
XXXX XXXX XXXX XXXX, MN XXXX Get Directions Phone : XXXX
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Credit Bureaus changed the status of my XXXX XXXX XXXX Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the XXXX XXXX XXXX XXXX, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (LA)

I have unatuthorize inquirities on my experian credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my XXXX and XXXX credit reports, I have also called and disputed with them also and it still remains on my credit reports. For experian there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. XXXX has 2 unauthorized inquiries, from XXXX XXXX XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. XXXX 5 unauthorized inquiries XXXX TX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX and XXXX OF XXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (VA)

Hello I am in the hospital due to my XXXX XXXX on XX/XX/XXXX and the hospital said that I am in a mental state which is a situational XXXX I shut completely down to a XXXX XXXX  we was married for XXXX  years I lost the love of my life. I am going through a lot I'm out of work I'm not being paid I ask my XXXX to handle my account and ask them to work with me and please not take my car they decline me I'm trying to get better but stressing about them taking my car! Please help me
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (NV)

I received a call today from a male trying to verify my information. When I asked where he was calling from, he refused to tell me unless I confirmed my address. I asked him again where he was calling from but wouldnt tell me claiming he was trying to tell me if I confirmed my address. He refused to tell me so I demanded that he cease and desist immediately. However, he kept pressing for my information and I hung up on him. I called the number back and another gentleman answered the phone and didnt disclose any recording like the first guy did and he did not announce the name of the company. So I asked him what the name of the company is and he told me this company. Then the guy stated someone already removed your number, I dont know why you called back. Seriously?! I then advised him that the reason I called Back was because the last guy refused to give me the name of the company. I was hoping to get someone who actually liked their job but by the way my interaction went with the two males, its evident that they both hate their job or they are being trained to refuse any information being trained to violate their consumers rights. Which leads me to believe that this company is a scam. 

I dont know why this company is calling me. All the scams out and I would think that any legitimate company would have to advise where they are calling from, especially if youre calling someone and asking for them to confirm their personal information.
Consumer complaint received 2023-04-06
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. (PA)

XXXX XXXX Amount : {$1100.00} Date Opened : XX/XX/2022 Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt. 
* I need to see the assignment contract between you and the original creditor. 
* Proof that this debt is within the statute of limitations in the state of Pennsylvania. 
* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (TX)

I sent a letter to CoreLogic requesting that a security freeze be placed on my account and to opt out of marketing products and services along with demanding that they not resell my information without my permission. With all of the fraud that is going on in the world selling my personal information without my knowledge and permission is unethical and against my right to privacy pursuant to federal law. I will be sending another letter demanding that they rectify the issue. If the issue is not rectified within 30 days, I will have no choice but to file suit in court. I sent a notarized letter along with a picture of my Passport, and a Bank Statement reflecting my identity and who I am. STOP PLAYING GAMES and Grant my request. Federal law requires them to comply. They are a consumer reporting agency. I could care less what they do. I did not ask them what their daily duties were. This isn't an interview for a job. The demand has been made. The next step is a lawsuit.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, On XX/XX/2021 I sent over certified letters to all three credit bureaus XXXX, Equifax and XXXX  in regards to incorrect information reporting to my credit report. Ive also sent over to them demand of comply letters and the companies have not complied to their own policies in a timely matter.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

Hi CFPB customer care With American Express credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested American Express during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' and also kindly remove worst payment status remark as well on XXXX, XXXX AND XXXX XXXX reports as well late payments reported in XXXX, XXXX AND XXXX CREDIT reports associated with American Express card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.
Consumer complaint received 2021-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are at total of 5 student loans reporting on my credit file that I have disputed with TransUnion to show the accounts as closed and paid. I have requested this in writing and I even contact them by phone. They responded that what they are reporting is accurate. My report indicates they did last updated on XXXX of this year for 3 of them and then XX/XX/2020 for the other two. How in the world can they say they investigated anything???? The other two bureaus did update to show the correct information TRANSUNION HAS NOT All of those were consolidated in XXXX!!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. ( 15 USC 1681 ( Section 6 0 4A Section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX********, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, Dept of Ed/XXXX..Account # XXXX, XXXXXXXX Account # XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX  XXXX Account XXXX XXXX********, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, Dept of Ed/XXXX..Account # XXXX, XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (IL)

The property manager at XXXX XXXX at that time failed to follow company guidelines with assisting me vacating the property properly. The property manager approved the lease being broken early, signed off on property being returned ( keys and locks ), but failed to submit a claim that the apartment needed repairs within the proper timeframe under XXXX XXXX guidelines & procedures. 

I informed the property manager numerous times of the repairs needed, she told me not to worry since my account was in good standing. 

XXXX XXXX issued me refund move out check for an amount but later sent me to collections for a different amount than the refund check. I am demanding this account be deleted off my credit report since the property manager failed to follow proper procedures at XXXX XXXX. 

In the email, the collections department stated that the property manager failed to submit any claims for repair -- It is clearly factual that XXXX XXXX failed to follow proper procedures. 

In the email thread with XXXX XXXX XXXX department, it is clearly stated Our Accounting Dept moved quickly as the property manager did not submit their final inspection report with pictures. 

The property issued refund check on XX/XX/2021 to me, not National Credit Audit Corporation BEFORE the move out statement was issued which was XX/XX/2021. 

It is clearly factual that XXXX XXXX failed to follow proper procedures.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2019 at approximately XXXX I pulled a credit report for the purpose of purchasing a home. When reading over my credit report I noticed that there were fraudulent accounts listed on my credit report. None of which I had knowledge. 

On XX/XX/2019 after unsuccessful attempts at contacting creditors and debt collectors I was advised to file a police report. I filed a police report and the deputy listed the accounts in question. 

On XX/XX/2019 I sent the police report number via email to Portfolio Recovery Associates. 

I mailed dispute letters with a copy of the police report on XX/XX/XXXX to Portfolio Recovery Associates LLC. On  XX/XX/2019 I called to confirm that Portfolio Recovery Associates was in possession of this report number. The associate I spoke with requested a copy of the actual report. 

On XX/XX/2019 I sent three copies of the physical police report for all three accounts Portfolio Recovery Associates was attempting to collect. After numerous phone calls to Portfolio Recovery Associates throughout the following week,  claiming that they did not receive my email, I was advised by a representative from Portfolio Recovery associates to resent the email. 

On XX/XX/2019 I resent the email for the accounts listed. 

I called on XX/XX/2019 to confirm action was being taken to remove the fraudulent accounts. However an employers advised me that because the police report listed the original credit limits and not the amount owed that they would not accept the police report. 

This is a blatant attempt to try and continue a debt collection in a case of obvious fraud. I will take every legal action necessary to fight Portfolio Recovery Associates, Upto and  including civil litigation.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc (PA)

I was told that at the end of XXXX  my account was flagged which it shouldnt have been. I currently have a little XXXX in there and they wont allow me to access it stating they have up to 6 months this is through venmo
Consumer complaint received 2018-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I disputed an account from XXXX. Per the agency they submitted a deletion request due to this account not being mine. Spoke with representative of Transunion on XX/XX/XXXX and the representative stated this was not coming off because it was validated.