davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (DE)

US DEPT OF EDUCATION ACCOUNT # XXXX Is incorrectly reporting as a collection. 

XX/XX/XXXX I started a rehabilitation program with XXXX XXXX and completed the program XX/XX/XXXX. I was told that my account will show in good standing after completion of the program. It has now been 6 months and I have been denied from buying a home because of this issue which is wrong. Every month should show up as " XXXX XXXX '' since XXXX of XXXX. 

Not to mention, According to the CARES ACT and President Bidens extension of student loan payments, those who were in default are not obligated to pay until XXXX of XXXX. So why is this affecting my credit report?
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am submitting this formal complaint against EXPERIAN d/b/a EXPERIAN INFORMATION SOLUTIONS INC. without any third party involved. See attached documents and ID as it contains my full complaint and demands.
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Today is XX/XX/2018. This morning an ad scrolled across my smartphone screen from Quicken/Rocket Mortgage that said " Get Approved in 8 Minutes ''. This appears to violate at least Advertising/Reg N. This is false and misleading advertising. It may be possible to get " Pre-Qualified '' in 8 minutes, or even " Pre-Approved '' in 8 minutes, but it is virtually impossible to get " Approved '' in 8 minutes. To get " Approved '' means your loan application and all accompanying documents must be reviewed and underwritten by an underwriter, something which can not be done in " 8 minutes '', so in reality it is several days or even weeks for a final " Approval '' to be issued. It is impossible to get " Approved '' in 8 minutes.

Why is Quicken/Rocket Mortgage allowed to mislead the consumer with false promises like this?
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (AR)

SoFi locked my checking account stating that I " violated their terms of service. '' The only transactions that have taken place in that account are direct deposits from my workplace, a deposit of a check from a business, and other miscellaneous transactions such as transferring money to another checking account of which I am an account holder. 

SoFi and its representatives failed to state what portion of the terms of service they allege that I violated. None of my checks were rejected, frozen, or returned. All of my checks were successfully processed upon the first attempt.
Consumer complaint received 2018-11-06
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)

To Whom It May Concern, I sent a multiple inquiry removal letter to Equifax on XX/XX/2018 by certified mail in order to dispute information in regards to some inquiries that were being reported on my credit report. I received the response letter back XX/XX/2018 .The response I received are all the same, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it's file. The fact that I receive a response in less than a week after my receipt of certified mail, one can assume that there was no investigation into this matter. I plan to purchase a home next year and having this many inquiries on my credit report display as sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not SIGN for anything period. This is unfair practices by credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To Whom It May Concern : I am having trouble to get a problem removed from my credit report.My credit report is reporting late payments on the credit card. I have never been late. I have always made my payments on time. I have tried to correct this problem with the company and the credit agencies and they have not gotten back with me. I have not received no correspondence from neither. I am asking for you help to remove these negative marks from my credit report because it is damaging my life. 

Capital One Account # XXXX
Consumer complaint received 2018-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (MD)

There are two issues I have with the app XXXX, which seems either owned or associated with the company Early Warning Services , LLC, of XXXX, AZ. 
1 ) this company seems to discriminate against low income people, including minorities and the XXXX like myself, because they will not allow individuals with free or low cost mobile phone service to receive or send money through their money transfer service. Specifically, I was told by their rep that the mobile phone company that I use needs to have a physical presence in my state, where I could go pay my phone bill. This seems designed to make the poor have to go out of their home and pay for sending or receiving money. 
2 ) This company enabled me to register for their service through their app. I was able to enter all of my information, including my full name, address, full debit card information, user name and password. They verified both my phone number and email address. This company 's app then stopped working. When I called their customer service number to find out why this happened, I was told that my phone number did not qualify for their service because I was getting free phone service. I then asked them to delete all my information from their servers, but my information still appears on their server. For example, it seems they have black listed my name, my phone number and email address. Instead, in their servers I should appear as if I were never their customer ( because I never really was ).
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

I rarely use my Chase account because of the way they do business. On XX/XX/2018 I refeceived a notification on my phone that my account would go negative from a pending tranaction that hadnt happened yet. I had been told in the past that money needed to be deposited by XXXX EST to avoid insufficient fund fees. Rather than going to the bank I used XXXX since it is promoted as instant money. I sent it from one of my other bank accounts to Chase and within minutes it said it was in my Chase account and that I had a XXXX balance instesd of potentially negaitve. I woke up this morning on XX/XX/XXXX so another alert from Chase that my account was negative. It was an insufficient funds fee! I called Chase and the first customer service person repeated the same thingd over and over saying that the deposit had to be in before XXXX EST to get in. I explained that there is no disclaimer alerting customers to this with XXXX or Chase and that my Chase app said I had a XXXX balance! I then asked to speak to XXXX who apparently is a manager and did nothing to help me. She just repeated their policy over and over again and actually went through a checklist saying things like I have explained our process ... and I have set expectations .... I am happily closing my account today but this fraud needs to STOP and I want my insufficient funds back to me from Chase for all the times this year that they came up with and excuse. One time I put cash in before XXXX then ak was told it had to be by XXXX = fee, etc etc.
Consumer complaint received 2018-11-07
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: DISCOVER BANK (IL)

Have been working on credit dispute with company on two charges that were not authorized on billing. 1 for a {$25.00} parking charge on XX/XX/2018 and 1 for a hotel nights stay that was charged for {$160.00} ( that charge was originally paid for in XX/XX/2018 for a prepaid nights stay that actually took place on XX/XX/2018 ). Both combined charges were not charged back as the company Discover claims the charges were valid. The truth of the matter is the hotel room was double booked the hotel committed to crediting back charges and did not do so. Discover claims hotel states they are actual approved charges. As the consumer I can attest that we did not stay the night and the charges are now a fraud issue. The Discover card states plainly that they protect the purchaser from any fraud charges but fails to do so when claims are submitted with documentation.
Consumer complaint received 2022-07-11
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: ProCollect, Inc. (FL)

On XX/XX/2022 and XX/XX/2022 I sent to the Collection Agency PROCOLLECT , INC letters informing them of my series of unfortunate events that had taken place without my knowledge. I had been defrauded and taken advantage of by an unknown assailant and this is what I explained to PROCOLLECT , INC via letters on several different occasions. In these letters I sent to PROCOLLECT , INC I had included laws, dates important to the theft, an FTC Report as well as other explanations to support my claims. After all of my efforts and time spent trying to rectify what has happen to me unlawfully I am still being negated and I feel not taken seriously. I demand the crime I have been victimized by be given the proper consideration. see attachments for proof of claim, proof of Identity, as well as proof of current address on my Drivers License and this will have to suffice because I have no bills or mail at the moment.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I applied for an increase in the {$600.00} limit on my Citizens Credit Card. The Citizens denial letter listed the reason for denial as : " Due to your recent credit line increase on your account. '' I called and learned this reason was NOT TRUE! The real reason was a " Bureau Score Reason '', i.e. " XXXX payments due on account ''. I told the Citizens agent that I had over {$100000.00} invested with Citizens and had a four-month issue with XXXXXXXX XXXX that I have been challenging but have been unable to receive any acknowledgement from XXXX XXXX . I run the XXXX XXXX XXXX XXXX XXXX and help people XXXX XXXX. They tend to have no credit. In trying to help someone establish credit, I registered with a XXXX XXXX  cashier for XXXX XXXX credit card. I stipulated that the limit would not exceed {$1000.00}. The cashier agree and said absolutely the limit would not exceed {$1000.00}. The person for whom I was establishing credit, was present and is willing to testify to everything I've mentioned. After receiving the XXXX XXXX CC and the person started using it, I learned that not only had XXXXXXXX XXXX unilaterally increased the limit but even allowed charges exceeding their unilaterally increased limit. I have written and used email to communicate with XXXXXXXX XXXX ( including their XXXX XXXX XXXX XXXX ). They mailed me a 12-pagXXXX credit card agreement document which they claimed was the binding contract. Until receiving this document I never saw it nor was it ever referenced during my contact with the XXXXXXXX XXXX cashier. I maintain the original " binding '' contract between me and XXXX XXXX is the agreement reached with the XXXX XXXX rep. ( i.e. their cashier ). XXXXXXXX XXXX  apparently ignores this binding contract. I continue to communicate with them in an effort to deal with the truth of what happened. So far they have continued to ignore the truth and instead rely on a fictional reality that I was given their credit card agreement document when dealing with their cashier, but again this is not the case.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX XXXX and XXXX says i am current but experian says im 30 days late.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

I was XXXX  and on XX/XX/XXXX. XXXX XXXX a friends husband had a card sent to his house expidiated. Without my knowledge. He activated this card and withdrew my ssi benefits for the months of XXXX XXXX and XXXX. For {$720.00} {$740.00} and {$740.00}. 
They also had a drivers license sent to there house in my name. I wrote direct express and explained I was XXXX and no one had authorization to use. I didnt get our until XXXX XXXX. 
I found out then going to social sercurity that I owed these funds. {$2100.00} Which i am having to pay back. Due to Direct express dening my claim. I sent everuthing that they requested. I filed a police report. I am experiencing hardship and a fincial lose and strain from this clear act of fraud. I need help. They are ride hang up and dont answer any questions I have. This is a clear case and they have lied to me as well as cheated me out of the rights as a consumer has
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XX/XX/XXXX/XX/XX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a XXXX  phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XX/XX/XXXX & XX/XX/XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XX/XX/XXXX/XX/XX/XXXX when I reported fraud and identity theft.
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I pay my mortgage every month with Loancare, a Service Link Company. I called their customer service line and attempted to use the automated phone payment system. When this proved to be nonfunctional, I redialed and navigated my way through an endless menu system which seemed to be designed to avoid letting callers through to a human telephone agent. Ultimately, I reached XXXX at XXXX   XXXX. My loan number is XXXX. XXXX refused to let me speak with a supervisor until I threatened this complaint. 

The supervisor seemed more pleasant, and took my payment over the phone. 

They can't seem thus far to be able to understand why my online account access is not able to be restored. In fact, the customer service agents were unable to do anything because they were having errors in their system as well. This has been the general experience with Loancare. The biggest problem is that Loancare is not even my servicer - it's a subservicer, a double outsourced company taking payments and passing them on to XXXX XXXX XXXX, so I have no idea how to actually speak to my actual mortgagor. 

Loancare still can not figure out why their online portal does not function for me on any of my devices, so it looks like for the forseeable future, I will have to continue to waste my time on hold.
Consumer complaint received 2024-04-03
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 (CO)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX ( XXXX ) XXXX CARD + XXXX, CAPITAL ONE + XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to XXXX XXXX. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2022-07-11
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: National Consumer Telecom & Utilities Exchange, Inc. (SC)

I was looking into purchasing a house back at the end of XXXX. And somehow a cable bill from XXXX popped up from XXXX. I have never had XXXX in my life, I have disputed it with everyone and they refuse to give me any relief. I have no issues paying my bills but I never had XXXX in my name ever in my life. And I'm uncertain as to why. If it was way back in XXXX it popped up at the end of XXXX anyway.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I just paid off a Bank of America card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

On XX/XX/2018 I called XXXX to request my 3 credit reports. I was told it would take 15 days to receive them. The last 2 years I haven't received my report from Equifax. Last year I called them, explained I didn't receive it, was told they'd send it. Nothing. I called again, still got nothing. Here we are this year and I have my report from XXXX and XXXX, but no Equifax. Clearly they ignore the requests.
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (VA)

In XXXX of 2018, I received a call from a representative with Navy Federal Credit Union ( NFCU ) regarding my financial hardship. XXXX then provided me with an offer to consolidate my payments. At that time, I had two separate credit cards open with NFCU & the representative instructed me to cease payments on the card with the highest balance & to make a monthly payment in the amount of {$180.00}. This representative called back twice, that day, to ensure that I understood that my payments would stop on the credit card with the higher balance. I proceeded to make these {$180.00} payments, to date ; however, approximately 3-4 months later, I began to receive debt collection calls from NFCU, indicating that I had fallen behind on my payments on the aforementioned card ( with the higher balance. ) I have spoken to several NFCU representatives and encouraged anyone in a supervisory position to listen to the recorded phone calls. To date, I am still making payments in the amount of {$180.00}, but no one has ever provided with feedback regarding these calls. I have accumulated well over a years worth of late fees and the interest on that card has skyrocketed, leaving me with a current balance of {$17000.00}. I have offered to continue making payments in the amount of {$180.00} ( towards the card with the lower balance ) and I have also requested that NFCU honor the fact that they told me to cease payments on the other credit card. Instead, I am harassed on a daily basis, with debt collectors attempting to reach me, via phone, email and mail. I have sat on the phone with NFCU 's Financial Counselors and they were not able to provide me with any other strategies that would resolve the situation at hand. NFCU has also reported to all the credit bureaus & consequently dropped my credit score by well over 100 points, due to " delinquency. ''