davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

I received a credit monitoring alert about a hard credit check on XX/XX/2018. I immediately called to inquire. They told me how to get it removed, and insured me that they would not allow so.e one to open a cred card or credit line with my social. I completed the arduous process they required me to dispute a credit check. I also made 3 addition al calls to make sure an account would not be open. They denied my inquiry to remove the inquiry from my credit report. I called again and was once assured there were no accounts under my social and that they would not allow that to happen. I found out in XXXX that there was in fact an account and PayPal started harassing me to collect it. I contacted them, to explain what previously happened and Express my concern and bewilderment. They immediately started trying to collect money from me and did not help. I went to the price department and filed a police report. I sent that I formation ti PayPal and called several times a week for a month or 2. They told me to stop calling because they could not share any information from me. They would not.tell me where the money went or what it was spent on. Despite that, they keep insisting that I owe them money. I have countless emails, letters, police report, etc ... I want this hard credit inquiry off or my credit report, I want PayPal to stop harassing a victim of identity theft, and I want them to fix my credit! How is it possible that they would allow someone to do this when ai contacted them the day I received a credit inquiry alert?! This is gross neglilgence and harrassment.
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc. (FL)

I have repeatedly asked this company for validation of debt and all they send me is a bill with an address I have never lived at. They have not yet validated the debt and yet it still stays on my credit report. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX XXXX XXXX XXXX XXXX/ The Thomas Agency Inc CURRENT BALANCE {$310.00}
Consumer complaint received 2017-03-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (ID)

Summary - we are distressed homeowners with a short sale in our history ( dated XX/XX/XXXX ). We are eligible for traditional FHA financing 3 years from this date per multiple sources. We contacted Quicken Loans to see when we would eventually be eligible for mortgage financing again. The representative we spoke with ( XXXX ) repeatedly assured us we were eligible for FHA financing at 4.25 % ( with 3.5 % down payment ) with a manual underwriting process immediately. She obtained our credit report in XX/XX/XXXX. XXXX up-sold our eligibility to us and our realtor for approximately one month. When we eventually found a home, and submitted a contract, XXXX asked for a {$400.00} good faith deposit, and an application. Our loan process was then handed off to manual underwriting in mid-XX/XX/XXXX. Immediately, the representative from Quicken Loans Manual Underwriting told us that we were not eligible for FHA financing due to late payments from the short sale in XXXX. This was information available to XXXX since she ran our credit report. Then the manual underwriter sold us on a ARM 5/1 product with an interest rate of 7.325 % with 20 % down payment that I could of obtained from a local broker. At that point, I began to wonder if this was a bait and switch operation, requiring {$400.00} payment before speaking with the underwriters, and upselling a higher rate interest rate product after a home contract had been established ; thereby taking advantage of potential home owners that are emotionally vested in a home. This was simply unsatisfactory. Since we have been declined, I have repeatedly attempted to retrieve our {$400.00} deposit, get an apology for being misled, and obtain compensation for our time, and our realtor 's time wasted over the past month. So far, I have been unsuccessful. Can you please assist? The Quicken loan # is Application # XXXX. 
Sincerely, -XXXX XXXX cell / text ok XXXX
Consumer complaint received 2023-04-05
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: Avant Holding Company, Inc. (FL)

Account Holder AVANT / WEBBANK Original Creditor Revolving Account Account # XXXX Date Opened XX/XX/2021 XXXX Day Late Payment 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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

This has messed up my reputation and I need this account deleted.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (UT)

I lost my card and reported a fraudulent transaction in XX/XX/XXXX. I requested a new card then and am yet to receive it! There is money on my account but I can't access it because I don't have a card. I can't even login to the website to request a transfer to another bank because my online account is inactive due to a " problem with my card. '' Ever since I first called to report the card lost or stolen ( and supposedly was sent a new card - they verified my address and everything ), whenever I call I just go around in circles because it asks for my card number ( which I don't have ). I also filed a complaint with the BBB and they called me in response to that, but they called from a blocked number, so I didn't answer. And the voicemail they left just told me to call the number on the back of my card - but I don't have a card to look at the number of!! And so I called the general number I was able to find online but after going around in circles due to not having a card number, I reached someone a couple different times and either got hung up on or disconnected. The next several times I tried to call, it said my wait time would be upwards of 30 minutes, I could only wait about 15 due to already wasting time on the needless phone tree.
Consumer complaint received 2020-12-08
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: Paramount Capital Group, Inc. (OH)

I have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called Paramount Capital to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.
Consumer complaint received 2018-09-29
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: Nelnet, Inc. (MI)

I recently found out an account was placed on my credit report that belongs to my daughter. It shows delinquent. However, no one called me about this account. Ive talked with XXXX and XXXX about this, and each referred me to the other. I asked why no one contacted me, and Was told they called me, and they gave me a number that was not my number. They said they knew it was not a good number. Said I should have called and reported a number change, but I said How was I to know you had wrong number? The customer service person read a number off to me which was not my telephone number. I asked how they could place something on my credit without even trying to call me or reach me. I even stated if they would remove this from my credit I would like to pay it off for my daughter if I could negotiate a lower rate. No one will work with me for a lower rate or help remove this from my account. I was told I was the co-signer. Even though I dont remember co-signing this loan, Im willing to help my daughter and try to work something out if they will remove this from my credit. Its not my debt However, as co-signer on this loan dont I have a right to be notified? They even admitted not contacting me several times. I worked so hard to have good credit, now its ruined. I am XXXX. Please help me. I will pay account off, now that I know, but just dont think this is fair to be on my credit nd not be given a chance to make things right. My daughter has brought account current. Please help me remove this negative mark from my credit. Thank you in advance for any help you can give me.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.The account below needs to be corrected : XXXX  XXXX XXXX
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls Capital One is reporting a late for XX/XX/20 and I would like to have it removed. Due to everything that has been going on with Covid, I went through a little hardship approaching the end of the year as it was our slow season, and it was slower than anticipated. I had my hours cut dramatically and I was making just enough to meet ends meet. I do my best to pay my dues and have never been late before on this account before and I haven't been late since. I ask that Kohls makes a good will adjustment for the month of XXXX, it would be of great help. I am trying to get my credit where it needs to be and stabilize my life coming out of this pandemic slowly.
Consumer complaint received 2018-09-28
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. (WI)

TransUnion falsely said they verified a bankruptcy by verifying it through the courts. The courts do not talk to any third parties or credit agencies
Consumer complaint received 2021-09-21
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. (IL)

I have recently sent in multiple disputes letters since XXXX 2021 .Thats right for about 180 days I have been telling you all that you are in MULTIPLE counts of infringement. 

I would actually like to follow along and move forward and sue you all for defamation of character because you all are making me look bad on the outside by tarnishing my report with inaccurate, false and negative items. 

You all send me mail that claim to be accurate with no proof on how they determine the accuracy .I NEVER asked for validation of the account .I said that you all REPORTING false, inaccurate and negative items .Then I ask for it to be removed from my report but you basically telling me no, disregarding that under 15 USC 1692G you must provide me the 5 things that can validate a debt.I then reported and informed you all that you are violating 15 USC code 1666b `` billing error '' with a screenshot proof of every billing error on my consumer report .So, how can you reply back and tell me Im wrong and all that I have been doing is reading the inaccurate information that you have furnished? You are suppose to be reporting 100 % ACCURATE but these items are not even 30 % correct. I have asked and followed protocol numerous amount of times but you are not following the government protocol .If I tell you you are breaking the law and give you a specific law and what youre doing that makes the law broken you sending me this account is accurate and verifiable does not meet the requirement of the dispute didnt ask you is this verifiable .I didnt ask you anything I told you where you were wrong and that I wanted the accounts to be removed ASAP. Did not ask you to send me billing statements saying its accurate because yet again you are disregarding my FDCPA FCRA rights. 


I will also attach a screenshot file of my report that shows all of the inaccurate information under the attached document file AGAIN im asking for all of this to be removed from my report as it should be
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Starting in XXXX of XXXX, I started the process to refinance my home at a lower interest rate. I paid for the inspection/appraisal ; went through all the paperwork and got approved. 5 times we scheduled closing in XXXX - XXXX of XXXX and 5 times my closing was delayed because they, " had to close on an XXXX client ''. On the sixth time, my medical bills caught up with me and when they checked my score, it was too low to work with. 

I'm at my limit. 5th Third wont help, nor will they acknowledge that they did wrong. I'm not trying to get something for nothing, I'm willing and was willing to go through the process but I feel that I have been discriminated against because I'm not an XXXX XXXX  who is trying to finance a home.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

American Express lowered my credit limit from {$10000.00} to {$5500.00} without warning or reason XXXX day before my payment due date in the midst of a global pandemic. I have never made a late payment or missed a payment. I had no intention of requesting forbearance on upcoming payments. Currently my balance is very near the new limit imposed as I am using this card for emergency purchases to have cash on hand. AMEX 's decision to suddenly drop my credit limit by half has negatively affected my credit report. I have attempted to contact AMEX directly repeatedly and have been disconnected by their representatives every time.
Consumer complaint received 2020-12-08
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: PNC Bank N.A. (KY)

PNC Bank [ CreditorName : PNC BANK Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (OH)

the collection company summonsed me to come to the court in XXXX  county court. and judge dismissed there claim and did charge the summon. the collection company still holding me hostage on this account in consumer credit reporting agency. i sent the copies of court decision to all three buraus but they are still keeping that account in my file. I want this to be removed from report
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

In XX/XX/2019, I was informed that I owed {$140.00} to a medical provider. I had moved residences the previous years and had not received notification prior. I called the collections agency, LCA to pay the bill. The female agent I spoke to would not allow me to pay the bill without settling another claim that I had no information about which was in excess of {$1000.00}. I immediately called the medical group and paid the money owed. 

XXXX  continues to report this collection despite numerous requests to remove it. XXXX  and XXXX  have both removed the report. LCA says they can't remove it and the Medical provider says they have no control.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

We sold our house on XX/XX/12 to XXXX almost three weeks ago and the XXXX XXXX XXXX XXXX, has not paid off our mortage with Rocket Loan 's. Now we have two mortgages and I am not getting any response from the XXXX XXXX. Rocket Mortgage is still taking out payments for the first mortgage and some of it is being applied to the interest that is accruing because of either XXXX XXXX not paying Rocket Mortgage or Rocket Mortgage not updating our account balance. We are not sure if XXXX XXXX failed to send the payment or if Rocket Mortgage failed to post it. Here is the information for XXXX XXXX. 

File Number : XXXX OD : XXXX FS : XXXX XXXX - Acquisition - XXXX XXXX  : XXXX XXXX - Acquisition - CM XXXX XXXX XXXX Escrow XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NC)

I am unable to make my mortgage payment through the app because I am paying 1 month ahead. I would like to keep this credit on my account. I have to contact the mortgage company each month to make my payment because of this restriction. I have spoken to each representative and asked that they apply my payment to the next month 's payment. Everytime, for three months, they have applied my payment to the principal balance. I have clarified on my last two phone calls, I do not wish for my funds to be posted this way and they assure me I don't have to worry. They are wasting my time not posting my payments correctly and by not allowing me to pay on the app.
Consumer complaint received 2021-04-05
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC (CA)

Stearns transferred my servicing rights to XXXX XXXX on XX/XX/XXXX. Subsequently, I made payments to XXXX XXXX and on XXXX XX/XX/XXXX, Stearns sent me a statement demanding payment from XX/XX/XXXX to XX/XX/XXXX. I had already made the mortgage payment to XXXX XXXX. I disputed this and they still counted this against my credit score as a 90  day late! Now, I can not refinance of my rental properties!
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX. Account # XXXX