davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

I applied for a relinance with Quicken loans .This bank said I could refiance with a loan for $ XXXX.They would pay off my old loan XXXX and pay credit cards debts for about XXXX.I would get a pay off amount for XXXX..I then gave them XXXX.for an appraisal fee.my house was valued a XXXX I then gave them XXXX/Copy of my sisters mortgage I am a cosigner .A payment agree for the IRS.They asked me how much I owed Irs which is about XXXX.They said as long as my house does not have a lien I could have the loan .This has been since XX/XX/XXXX.They keep asking for cancelled checks for/XXXX/XXXX/XXXX.I gave them 3months of checks front/back.And I have a payment agreement for XXXX-monthly.I do n't have check history because I pay on line .Please help me get my XXXX back. Quicken loans clearly does not want to do business with a XXXX women that owes the IRS/but makes installments to IRS that was agreed upon.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I am a small business owner of a XXXXXXXX XXXX and use PayPal XXXX XXXX to process my payments. During the process of opening the XXXX accounts in XX/XX/XXXX thru XX/XX/XXXX, I underwent a review process and submitted all business information including store leases, business insurance, secretary of state filings and state permits to show compliance. XXXX is legal to sell in Texas and I have all the appropriate licenses. I was approved for the merchant account and have been processing payments from my sales. I made a recent sale for services of XXXX on XX/XX/XXXX. On XX/XX/XXXX Paypal froze my account and requested information so that they could understand my business. I was asked to provide the same information as before along with inventory receipts, business information, vendor supplier information, overview of product & services and website. I complied immediately and PayPal is now asking for the same information again, this time under a new title. I feel that my small business is being targeted because of the XXXX. PayPal has usurped their authority and is holding funds that I need to pay my vendors which is causing me to suffer financially. I have been cooperative and responsive. Now they are auditing every sale prior to XX/XX/XXXX even one for XXXX cents. This is clearly discriminatory and designed to frustrate me so that I just give up. PayPal seems to be on a path to put me out of business. This is wrong. Everything they ask for I have provided and each time they come up with another hurdle that I must hop over. If I don't speak up they will continue with these requests and cause further hardship on me. This freeze on my account does not allow me to process current payments.
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (VA)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. Misappropriation of government funding and income tax fraud with the XXXX at XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. Construction materials audit fee of {$120000.00} to track materials used for the community. Insurance agent fee with XXXX XXXX in the amount of {$130000.00}.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I have this GAP Credit Card issued by Synchrony Bank. They closed my credit account because they said I am not using this credit card, I do not owe any money to this credit card, I did not have a reason to use it if I am not shopping in Gap. After they closed my account, they put the report on my credit report and the impact is that I lost over 50 points on my credit report.
Consumer complaint received 2017-08-28
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. (FL)

TransUnion incorrectly deleted my mortgage account with XXXX XXXX XXXX off of my credit report versus reporting the account as paid in full with all payments paid satisfactorily.
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (UT)

I sold a smart phone through XXXX. I did this because XXXX offered me a {$40.00} account credit. After selling the phone, my account was never credited and I was charged a {$31.00} listing fee. I disputed this with XXXX multiple times but they would not credit my account and charged my XXXX account for the {$31.00} listing fee. I disputed this transaction with my credit union and provided them documentation which showed I should have received a {$40.00} account credit and that I did not owe XXXX the money. The credit union was in favor of me and I did not have to pay. I have now received two letters from two different collection agencies attempting to collect a {$31.00} charge. I have sent two dispute letters back to them. XXXX keeps hiring different collection agencies to try to collect the balance that I do not owe them and that my credit union agrees I do not owe them.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (IL)

Please be advised that as of today, I have not received any response from your organization regarding my disputes with XXXX XXXX XXXX, Acct. # XXXX. This account is still being reported inaccurately. 

Numerous Follow up letters were sent and still went unanswered. 

Experian is in violation of the FCRA.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for credit and was denied, my denial letter is proof I was discriminated against. Amex should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Dispute remarks were added to my account on XX/XX/2018. I immediately called Chase and they agreed to remove the remarks from my credit report with all three credit bureaus. Remarks are still there and have yet to be removed. These dispute remarks are lowering my credit score and I would like them removed immediately as I was told by a Chase representative that the marks would be removed.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clear Recovery, Inc. (MA)

I used XXXX XXXX XXXX for medical care. They sent me a bill, and I later paid the bill on their website ( very promptly ). XX/XX/XXXX of this year. 

Later XXXX XXXX XXXX referred my debt to a debt collector, XXXX XXXX ( even though I had already paid XXXX XXXX XXXX. XXXX XXXX 2017 I contacted XXXX XXXX XXXX and they assured me that the debt had been cleared ( XXXX XXXX 2017 ) XXXX XXXX have continue to contact me, and harass me with phone calls for months regarding a debt I never had, asking for payment. I 've tried to reconcile this again with XXXX XXXX XXXX. 

I 've found this very stressful because I 've always paid my bills, and I never should have been referred to a debt collector. I 'm worried how this affects my credit rating.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion currently has an open claim on a complaint through your company, but has already came to a resolution by not removed the inaccurate account that is reporting from XXXX XXXX. Since XX/XX/XXXX, I have informed Transunion several times that a charge off from a company is being reported as inaccurate. According to the FCRA if it has been proven that a company is providing inaccurate information to them, they are supposed to remove that information. I am coming in with clean hands and just am asking to be treated equitably. They said that the furnisher of the account said the information was verified as mine, but I sent them in my last dispute attempt on XX/XX/XXXX a copy of my identity iq report that supported that there are several inconsistencies with the charge off. They still didnt remove it. 

They are in clear violation. 

I have also reported to the XXXX.
Consumer complaint received 2021-02-01
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: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-08-28
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: FIRST ADVANTAGE CORPORATION (FL)

I noticed the residence address shows an old address from XXXX XXXX, FL. I called and asked about where the information came from. I was told XXXX. I XXXX the old address and saw there are new apartments where I used to live back when I was living in XXXX the first time. The second address where I lived at in XXXX is not even listed. I attempted to bring this to the attention of XXXX XXXX XXXX at XXXX XXXX via email. I am not sure if I guessed the right email address. I am not sure if whoever is " suggesting '' something or " suggesting '' I am to do something. This is one big "  technical glitch ''.
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

I received an Email from PNC Bank my Mortgage Company Acct # ( XXXX ) about refinancing, I called and was going to refinance but after I hung up I check and found out that the fees they were charging were not fully disclosed so I cancelled the refinancing within 10 minutes.
A week or so after I received a letter from PNC with all the Refinance Information as well as a credit report which i did not order. Everytime someone runs a credit report on you it lowers your score. In the past XXXX XXXX issued my girlfriend a Credit Card without her knowledge and it cost her points on her score. I dont know how PNC can fix my credit score but something has to be done with these Banks doing whatever they want
Consumer complaint received 2017-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ballybunion Enterprises, Inc (SC)

Original agreement was with XXXX. I purchased a flight that should have been {$300.00}. The company stated the lowest base travel package for a one-way ticket from XXXX XXXX, TX to XXXX SC was {$640.00}. The amount financed through Military Credit Services , LLC was {$1200.00}. {$76.00} per pay period for 23 months. I paid 7 payments of {$87.00} and stopped paying XX/XX/XXXX. In XX/XX/XXXX received a call from collection agency and representative stated I needed to pay them a total of 5 payments of {$180.00} and a final payment of {$160.00} and the debt would be considered paid in full. 1st payment of {$180.00} was withdrawn from my bank account on XX/XX/XXXX with subsequent payments on the XXXX of every month. XX/XX/XXXX a full payment was withdrawn and I contacted first financial ( XXXX ) and spoke with a female and she stated where she seen I made the agreement and the payments and didnt understand why they took the complete payment again. She transferred me to XXXX at Military Credit Services and he stated he couldnt see what was going on so he contacted the original person that made the agreement and she stated now I have to pay the {$680.00} for the debt to be resolved after the other 6 payments already made and transferred me back to XXXX. I told him I wasnt going to pay this and he stated that he just needed a bank card so they wont close the account and put it in collections. I gave him my bank card and they were going to deduct the amount on XX/XX/XXXX. This gave me time to talk to my financial counselor at XXXX XXXX. I cancelled my bank card on XX/XX/XXXX and contacted CFPB XXXX XXXX referencing this account with Military Credit Services and filed this consumer complaint.
Consumer complaint received 2021-06-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

i am a XXXX  posted in USA for XXXX years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries? 

Portion of my credit score is also including student loan and mortgage loan but i am not a XXXX XXXX  and never took these loans. 

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.
Consumer complaint received 2021-02-01
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: DISCOVER BANK (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (CA)

For the past month I have been trying to get Chase bank to report the payment history on my mortgage to the credit bureaus. You have refused to do this because they think that the mortgage is being handled through Chapter XXXX bankruptcy. They seem to ignore that the monthly payments come directly from me and not from the Chapter XXXX Trustee. 

The fact is that this mortgage was subject to a lawsuit that was settled in XXXX 2016. This has  nothing to do with the bankruptcy. A copy of the settlement agreement is attached. 

I have mailed and faxed numerous documents to Chase Bank. They ca n't seem to make a decision. The person I last spoke to though that I had filed a new lawsuit against Chase. Someone else must have thought that I had requested mortgage assistance because yesterday I received an application for that in the mail.
Consumer complaint received 2017-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (GA)

I received calls from XXXX on the following dates and times at my place of employment : On Thursday, XX/XX/XXXX : XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/XXXX : XXXX XXXX When they first called, they said that they were with ARA Associates and that litigation has been filed against me in my local jurisdiction for an unpaid debt. They said I owe XXXX XXXX XXXX {$4000.00} for an unpaid debt. Not only do I not have a {$4000.00} account with XXXX XXXX XXXX, which I told them, but I also pay for monthly credit monitoring through XXXX and I have never seen this alleged " debt '' on my account. I immediately knew this was a scam and told them not to contact me again. As noted above, they have continued to call me at the above times. I 'd like for them to be investigated for fraud.
Consumer complaint received 2017-08-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Trakk, LLC (PA)

On XX/XX/XXXX I traded my car XXXX XXXX XXXX in to XXXX XXXX to build my credit by leasing a vehicle which they gave me XXXX for my car as a down deposit for the XXXX XXXX XXXX XXXX and once I was approved by the Bank Auto Trakk they had set me up on a weekly payment plan which they told me if i pay my bill on time every week for 6months that i can go on a monthly payment plan which that never happen, also I ask if the car had an inspection cause it had just came on to there lot that same day they told me yes and I also ask them for a XXXX XXXX on the vehicle which they never gave me so after the 6months I no longer could pay them every week so I tried calling the Bank Auto Trakk and they kept giving me a hard way to go so I kept paying it weekly until I start falling behind with my payments so I took the car 1st out New Jersey to a dealership called XXXX I forgot the rest which this was in XX/XX/XXXX and they gave me a XXXX XXXX on the car and told me that the car was n't worth no More then 10,000 so they try calling they bank to make a offer with them so that I can trade that car to get another car which was in my monthly budget but Auto Trakk refused the offer why I do n't no, Ok so then I takes the car to XXXX XXXX on XXXX XXXX and they basically told me the same thing that due to the car being in a accident in XXXX that the value ai n't worth no More than 10,000 so they tried to negotiate with Auto Trakk so I was tuck with a car I that i no longer could pay on a weekly basis so i called them and told them they could come and get the car cause I no longer can pay them on a weekly basis, but before they came and got the car I was paying on time every week they never gave me my credit points for that and they charge me XXXX for this car and I receive a collection bill in the mail saying I owe them XXXX but on my credit report it saying I owe them XXXX or more so why was I credit for my payments that I was making they ripped me off and never gave me anything as for me calling and telling them to come get the vehicle.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2022 at XXXX PM EST I made a purchase at a store called XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$260.00} each which was then discounted to a total of {$620.00}. 

Some time later XXXX XXXX XXXX as a company was dissolved as it came out that the company was actually a XXXX scheme. More about this situation is available online. 

On XX/XX/2022 I filed a dispute for the beforementioned purchase at XXXX XXXX XXXX as the company had been dissolved and they no longer were going to be able to provide the items I had ordered. This was well within Paypal 's 180 day deadline for disputes. The dispute was filed as " XXXX not received ''. Once I filed the claim they gave XXXX a chance to respond to this claim. The allocated time had passed, XXXX never responded, but the case was not closed in my favor. 

On XX/XX/2022, the case was closed as Paypal had deemed " this transaction is ineligible for PayPal XXXX XXXX. '' According to their own website : " You're Protected If : Your order never arrives. 

All you have to do is log in to your account and open a dispute to get the refund process started. If you made the purchase on XXXX, start here instead. '' and their site goes on to say " If an order doesnt arrive or it doesnt match the description, well reimburse the full cost of eligible purchases plus original shipping. '' source : XXXX XXXX XXXX They have not provided a reason for why this dispute is inelligible for PayPal XXXX XXXX XXXX I placed an order, shipping information was never provided, The item never arrived, so I dispute the transaction within the timeframe and get rejected. 

On top of all of this, Paypal never notified me that the dispute had been closed. I had never received an email to let me know it had been closed. As a result I have gone past the allocated amount of days to respond to the closed dispute
Consumer complaint received 2022-03-07
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.