davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX EDT To : XXXX Subject : Rocket Mortgage Loan To the Board of Directors of XXXX XXXX, My name is XXXX XXXX and I have a relationship with your firm that Ive enjoyed for a few years now. 

A few months ago I inquired about a home mortgage through your relationship with Rocket. I was only looking for a mortgage for about 50 % of my homes value. In the very first call I explained to XXXX XXXX that I did not carry wind insurance on my home and was this something they were ok with. Just Wind Insurance costs $ XXXX $ XXXX with a {$100000.00} deductible. He got back to me with the only state we require wind insurance is Hawaii. 

So we went down the road, I was satisfied with where we were going and moved more assets in to get more favorable pricing. A month or so goes by and I get a request for my wind policy. Needless to say I was upset. By then, I had dropped my processes with a couple of other lenders and now rates were rising. This has put me in a difficult position. I now have to pay an extra $ XXXX/year, ( which is a throwaway given the deductible ). Im sure XXXX did not do this on purpose, we all make mistakes. But the way its been handled has not been right. 

My processer, XXXX XXXX has been great. She did not know I had been told no wind insurance was required but totally understood my predicament. We spoke and I asked XXXX for a Quarter point reduction in the rate because of what Rocket had done to help offset the increased costs due to the Insurance requirement. They gave me the quarter point reduction but tacked the nearly point on to the closing costs, basically treating it as a buy down. XXXX apologized, knowing I was not looking to buy down. She reached out a few times to get some feedback but never received a response, then she was out for a few weeks but had told me someone would get in touch with me. No one did so I sent an email yesterday and after a few emails was told no way they are budging. By the correspondence, Im not sure they even understood I was not asking to waive the insurance, only the point. 

Ive tried to reach someone at XXXX, but always ended up with someone at Rocket. Rocket has little to lose, XXXX had no input from me because there was no one to speak with. So now Im faced with potentially having to transfer the assets out of XXXX to get a mortgage elsewhere at a higher rate, all due to Rocket. 

The last call yesterday a lady named XXXX XXXX got on the phone, was very nice and indicated shed be back to me by Monday. Im writing this as she is with Rocket and just wanted to ensure someone at XXXX had seen this. 

Ive attached some email correspondence ( there is more ) and would appreciate a response. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got several charges on my card thats why I asked for a replacement then even not activating my new card, theres again charges on it thats why I called the Capital One that im not going to use my new card. But still theyre collecting payments from me. 
im just using one credit card and that is XXXX XXXX Credit Card and im paying it {$500.00} to {$1000.00} a month
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (CO)

I applied for a car loan at XXXX XXXX XXXX dealer on XXXX XXXX 2017. They ran my credit and told me everything is good and I drove the car out of the lot. For 5 weeks they kept running my credit even though I had been approved for a loan with XXXX. They wanted to only go with XXXX XXXX XXXX XXXX. This is a predatory lending practice. Therefore I could n't register my car in time, I could n't get a parking pass in my residence and my credit score kept going down. I have finally received a Bill from XXXX XXXX XXXX XXXX. There is NO contract or initiation package included that confirms the terms and conditions of the loan. There is NO online customer support. They do NOT answer the phone they have enlisted in the bill and they expect me to pay them in 3 days. I can not pay a bill until I confirm it is a legitimate financing company with the terms that I signed the contract for. The dealer is not helpful at all either.
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (PA)

This company keeps calling me - today they called my work phone and I answered the phone right away - when I picked up - they hung up on me, then turned around and called my cell phone obviously knowing Im at work, picked up said who I was and they hung up. this is unacceptable to call someone and hang up on them, and then call their cell phone - one you knew I was at work so could not call and 2 why call and hang up?
Consumer complaint received 2021-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (NE)

In XXXX I opened an account with CNAC also know as JD-Byrider. Now in XXXX the car was totaled and paid off by insurance and if there were any extra costs that were not paid by the claim then the protection plan I paid extra ( for not having full coverage ) to JD-Byrider would have covered the remaining total of the loan I have attached two photos showing the beginning and endling balance of the loan.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing because I do not recognize the account on my credit report.I believe that I may be a victim of identity theft. I do not recognize theis account and have never incurred debt with these creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XXXX I opened a Venmo account. Venmo paid the wrong person for an item I bought. The item was {$40.00} to be paid to XXXX XXXX. Venmo paid XXXX XXXX. I do not know him. I did not type his name in. I did not buy anything from him. I called Venmo. They said they were out due to covid 19. I emailed Venmo explaining the situation and they did not respond. I went to Venmo help site which said I had to request the funds back from XXXX XXXX. He responded by asking for more money. I declined. Venmo failed to provide a safe environment for transactions. Venmo failed to respond to my complaint. Venmo failed to get my money back. I have been trying to get it back through XXXX XXXX XXXX, my bank, for 2 months.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (IA)

The bank of the West in XXXX Iowa notified us by writing that they were closing our account. XXXX XXXX XXXX is the one that sent the letter. My husband went in and talked to XXXX and told him that XXXX one of  the tellers was supposed to take off our overdraft and apparently never did it. He told my husband that they would wave the overdraft fees if we put in {$250.00} which we did on XX/XX/XXXX. Then they proceeded to take us to collections through The Best Service Company.
Consumer complaint received 2021-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Army and Air Force Exchange Service (NC)

Someone placed a phone call to me. I told them that this was not my debt and i didnt understand where information was coming from. I was told that legal action would be starting and then hung up on. They also made a phone call to 5 of my family members within a hr of hanging up on me. I was given no information other then my name and I very old address to which i had grow up on more than 20 yrs ago.
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (PA)

I Sent an Affidavit of truth along with a cease and desist to Credit Control , LLC on XX/XX/2021 they failed to provide the information that was requested and they continue to contact me through the mail. Which is a violation of 15 USC 1692 c. This continued harassment is a strain on my health due to the stress.
Consumer complaint received 2020-11-17
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. (CA)

I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts (XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX DEALER SERVICES XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

Chase Credit Card, Southwest Rapid Rewards Card.

Autopay was set up with the correct banking numbers and each month, there was no letter sent saying the credit card payment was not received. After about 6 months, all of the sudden I was charged for 6 months worth of payments at one time because the " bank and Chase '' were not talking. Then suddenly, the autopay payments kept being returned and kept charging me a return fee. I ended up calling and getting some fees taking care of as I was trying to pay. I put in the exact same banking information and set up a " different '' autopay account which paid the fees. I closed the credit card and then a month later got a charge for {$4.00} AFTER THE ACCOUNT HAD BEEN CLOSED. When I called, they informed me it was the difference of a credit for the return fee and a new fee. I asked how exactly can I pay them as they would not accept a credit/debit card, it would be too late for them to mail me a statement, and the account number they use for my bank keeps causing issues ( even though it has been verified multiple times ).

This credit card company CAUSED MY CREDIT SCORE TO BE NEGATIVELY IMPACTED THROUGH AND BY NO FAULT OF MY OWN. Although I had attempted to pay my balance multiple times, I was not able to.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2020-12-09
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. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX  XXXX 9. XXXX 10. XXXX XXXX XXXX
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 I received a payoff quote from XXXX for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX because the payment from XXXX  looked like it had still not been processed by XXXX & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from XXXX and on XX/XX/XXXX I called XXXX again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by XXXX. I called XXXX on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from XXXX  by XX/XX/XXXX and they received payment from XXXX  on XX/XX/XXXX. XXXX opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. This is absolutely egregious. XXXX is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. XXXX 's phone number is XXXX. I have attached our XXXX  cell phone records that reflect the calls I made to XXXX on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at XXXX properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Disputed items on XX/XX/2020 had no response from bureau. submitted disputes again XX/XX/2020 XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

On XX/XX/2020, national credit systems received my request of dispute in their office at XXXX XXXX, per USPS tracking system, by certified number XXXX. To this very day they have ignored my request by not validating their claims of the money allegedly owed and the one month agreement they say I entered. I know that things are a bit slow becasue of the pandemic but they have passed the extra time to reply to me. Silence means they do not have adequate evidence to support their reporting and collection. Despite them not validating their claims, they continue to report the account to the credit reporting agencies amid collection and reporting laws.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to XXXX, XXXX  and Equifax and I never received a response from them.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to XXXX, TransUnion and XXXX  and I never received a response from them.
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (FL)

XXXX  has blocked my credit file, therefore, preventing me from filing a dispute against companies who want to report and correct data. This problem is since XX/XX/2020. XXXX XXXX has failed to comply with the FCRA laws, I have been denied loans because they refused to fix information erroneous on my credit file
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX0, CAPITAL ONE BANK USA add a hard inquiries on my credit reports per XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (ID)

I was sued by Midland Management. I paid their lawyers and now Midland Management has yet to update the status of my account with them. They used the law firm XXXX XXXX XXXX. I paid them on XX/XX/XXXX and it is still on my account. I have documentation showing I paid the law firm. I called law firm and they said for me to contact midland management at XXXX. 

thank you,
Consumer complaint received 2020-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc. (FL)

This company refuses to validate his debt, the collector agency that they sold his account to XXXX XXXX Could not validate the debt, therefore, gave it back to Carmax. I disputed the debt and they can not validate, Carmax needs to update the records and update all of the three credit bureaus that this account is not mine, and this is harassment
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (TX)

I am in the delayed payment assistance program for COVID-19 for my mortgage. I was current on my mortgage when I went into this program. I was told by Midland Mortgage that this would not negatively impact my credit in anyway, it even shows on the website when I log in that I am current and on a delayed payment program because I have a FHA backed loan and I am due to resume payments in XX/XX/2021, however they are reporting to all three credit agencies that I am late 60 days on my payment. I have called Midland Mortgage at XXXX and discussed this with them however they continue to report me as late even though when I log in on the website it shows me current, this is lowering my credit score tremendously.
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Recovery Services LLC (FL)

I have received multiple phone calls from a company stating from National Recovery Services ( not 100 % sure this is the correct name ). They have called my phone, my girlfriends phone, other family members, & my place of work. They claim I owe money on a XXXX credit card. I have repeatedly told them I do not know what this is and they claim that they have sent a letter to me which miraculously I have never received. I received a call today, XX/XX/2021, and the person whom I spoke with, XXXX, repeatedly told me my credit was horrible as he has reviews my credit report and I dont pay my bills ( not really his business if I do our dont ), my girlfriend does not want to be associated with me because of my debt, asked to speak with my boss, and then asked if to speak to my XXXX son ( he is actually XXXX ) because he thinks he has more sense then me ( literally his words verbatim ). He was verbally abusive and refused to send a letter verifying the debt or stop calling. He just said I would be marked down as refusing to pay and taken to court to which I responded fine, Ill see you there. I had him on speaker phone and my girlfriend is a witness to the call.