davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2021, my wife & I signed the final Escrow Documents to refinance our home before a Notary Public. All documents were signed, notarized & filed. Rocket Mortgage told the Notary that funding would occur On XXXX XXXX. On XXXX XXXX, I learned that my Loan XXXX, XXXX XXXX, XXXX XXXX XXXX, told Rocket Mortgage that I had rescinded the Agreement and there would be no funding. I DID NOT RESCIND THE AGREEMENT verbally or in writing. I tried to call XXXX XXXX but he would not return my calls. I tried to email him but got no response. 
I employed The XXXX XXXX XXXX to communicate with XXXX XXXX XXXX. Subsequently, I received a phone call from the XXXX, XXXX XXXX, who agreed to a new loan with the same Terms & Conditions as the original loan and processed within 24 hours. However, the new loan disclosure was not in keeping with the Verbal Contract. It had a higher interest rate & did not include the full Lender Credit. In an email communication with XXXX XXXX he also stated the loan would not be concluded until AFTER XX/XX/2021 ( certainly not within 24 hours and not even a determinate date at all ). This is a typical BAIT AND SWITCH tactic.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

I purchased concert tickets through XXXX and paid via PayPal Credit. The concert was rescheduled due to covid and it is now set to be in XX/XX/XXXX. The tickets I bought were VIP meet and greet tickets. I paid close to {$900.00} for 2 tickets. The concert will no longer offer this feature and the tickets are being sold for under {$50.00} now. No VIP or meet and greet is happening. Also, the venue requires vaccine and my daughter ( she is a minor and they are her tickets, I bought them for her ) well, she can't get the vaccine due to a medical condition ( she is highly allergic to 2 ingredients ) I have tried dealing with XXXX and its in PayPal credits hands. They will not help me and I really would like my money back. They told me I had 180 days from purchase. Which is ridiculous since I purchased them in XXXX of XXXX and the concert is postponed till XXXX of XXXX. The pandemic shut all concerts. I didn't know the new date 180 later or the new rules and I just found out I will not be getting the VIP tickets I bought
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I received a hard credit inquiry notification from my credit monitoring service. The inquiry was made for a new account with " TD Bank ''. I did not initiate this. I am in the process of trying to stop the account from being created, but my information is leaked enough for this to have been initiated.
Consumer complaint received 2021-10-14
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (NC)

On my equifax report there is a bunch of hard pulls that were fraud and never made or authorized by me that I need removed off my credit profile. i have been trying for the past few months with very little help so i'm hoping you guys can help me out. All of the following i never authorized XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and anything else to do with XXXX XXXX XXXX I never applied for or gave anyone authorization. There is so many dates if you look at my credit profile.
Consumer complaint received 2022-08-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

On the morning of XX/XX/21, I awoke to an email from Citi Simplicity Cards telling me that they have closed my account Citi Simplicity Card. The card had a XXXX balance and I have been in good standing with Citi for as long as I had the card. 

I was told there was no activity on the card, which is not actually true as I called Citi to change my address on XX/XX/21 of this year, actually 4 month previous to them closing the card. 

By Citi closing the card, my available credit went down and so did my credit score. I called Citi twice with no resolve and then made a visit to my local Citi branch. They graciously said they would reopen the card after a credit check, which again would be a hit to my credit report and score. I told them NO. 

This is very frustrating as Citi was able to email me for any reason at any time but no email warning about the impending doom of my card and credit scope
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (FL)

Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.
Consumer complaint received 2022-08-02
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX Have Violated My Rights. 


15 U.S.C 1681 Section 602 ( A ) States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 ( A ) Section 2 States A Consumer Reporting Agency Can Not Furnish A Account Without My Written Instructions.
Consumer complaint received 2021-12-22
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: CITIBANK, N.A. (AL)

XXXX XXXX sent two XXXX to an address where I didn't live on approximately XXXX. I never received the phones and XXXX verbally has stated phones were returned by XXXX XXXX & apologizes every time I call. However the have kept billing my credit card for them. Citi Cards visa by Costco responded to my dispute several times and has ruled in my favor only to have XXXX resubmit the charges repeatedly every month now for 5 months. The charges are for {$910.00} and {$960.00} each. XXXX has changed the story in last 2 months saying the returned phone boxes were empty and therefore someone probably stole them. Citi Cards keeps rebilling my credit card inspite of no change in evidence and inspite of many phone calls from me complaining that this is now at a fraudulent stage. They are favoring the merchant over the customer wherein the crime has been committed by the merchant. My story has not changed and I have spent many hours over this fraudulent process. I can litigate against XXXX which will be my next step. However, I expect my credit card company to support me when I am not at fault. This has been going on for 5 months and must stop. Let the XXXX XXXX come after me if they feel that I am wrong and make their case. XXXX and Citi Cards have written documents from me in this XXXX XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (MD)

They are saying they validated debt without a physical signature. They are validating my rights per the FCRA. They said they satisfied the applicable requirements but they did not they did not provide a agreement with a physical signature, there is no signature on any the agreements.
Consumer complaint received 2021-12-22
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. (FL)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-22
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. (TN)

On XX/XX/2021 I wrote Equifax disputing an unverified/inaccurate account on my credit profile which they verified as accurate on XX/XX/2021. I attached a copy of XXXX reporting the same inaccurate/unverified account which they deleted. On XX/XX/2021, I wrote a dispute letter to Equifax to show me proof of verification of the inaccurate account. To this day I haven't received anything from Equifax. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. At this point I feel like I'm being joked around with and being taken advantage of. I have been trying to get this inaccurate account off my credit report for 7 months in counting! This account must be removed immediately.
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXXXXXX XXXX XXXX filed a Motion for Summary Judgment. Within the Motion is a list of fees and costs as well as the principal balance. These numbers seem to change often. Additionally, there is a special advance charge for property inspections. No one has ever been to my home to inspect it. I would like proof of the inspections; i.e. a report, pictures, the name of the company who performed the inspections, etc. 

If there is no proof of any inspections, this amount should be deleted from fees and costs the lender is claiming is due.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with XXXX.
Consumer complaint received 2022-10-15
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 (TX)

On XXXX XX/XX/2022 I attempted to transfer money from my Venmo to another financial institution account that I also own. I tried to transfer {$5000.00} and Venmo gave me an error message that you could not transfer more than {$4900.00} in one transaction. Fine. I attempted two transfers, one for {$1000.00} and another for {$4000.00}. It wasn't until the next day that I found out my account was frozen after trying to pay for a service. Luckily, I had my credit cadd on hand. I reached out to Venmo and sent my drivers license, as requested, to verify my identity. It has been over a week and no one has contacted me to fix this. Account reps at Venmo have been vague and very unhelpful. Phone calls have been even worse the supervisors have about as much power as their employees. This account consists of my job paycheck and as the head of my household this is what I use to put food on the table which Ive also told Venmo but they simply do not card they'd rather let this problem linger. Even after receiving enough complaints from customers about this issue, they will not fix it.
Consumer complaint received 2021-12-22
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. (VA)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-08-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Spoke to XXXX XXXX XXXX, Senior Vice President XXXX XXXX, RoundPoint Mortgage Servicing Corporation nmls : # XXXX XXXX XXXX # XXXX on XX/XX/XXXX and he told me he can move forward with the loan. On XX/XX/XXXX, XXXX referred me to XXXX XXXX, Branch Manager License, NMLS # XXXX at RoundPoint Mortgage Servicing Corporation, NMLS # XXXX, c : XXXX. She pulled my credit and obtained copies of my bank statements, tax returns and other sensitive documents for the VA loan. XXXX told me that I was approved for {$320000.00} and instructed me to start shopping for a home with my Realtor. My Realtor and I couldn't find a home I liked in XXXX XXXX ; so we started looking in XXXX. We found a home and told XXXX that we would be moving forward with XXXX. XXXX was unable to be reached. I then reached out ot XXXX and he was unresponsive as well. I then reached out to XXXX XXXX XXXX  at Roundpoint  to ask what was going on and was told XXXX was no longer with the company. I asked him who I needed to contact to move forward with my loan as I only have a month to secure housing - no response.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (IL)

Equifax and XXXX XXXX XXXX are in violation of fcra rights by reporting a unverified/invalidate collection in the amount of {$960.00} on my equifax credit report. 

Section 609 Fair Credit Reporting Act.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature agreeing to pay said amount.

A bill is NOT a signed contract!

Please dont not send me a bill or a verification letter for me to sign. This action is violation of FCRA. 
The company XXXX XXXX XXXX sent me a bill, again this is not a signed contract of me agreeing to pay the amount of {$960.00} Please send the contract with my signature explaining/agreeing that I own this amount. If XXXX XXXX XXXX  can not provide this by law equifax must immediately deleted item. 

The collection agency is required to have and provide this information. 
XXXX XXXX XXXX is asking me to provide a signed contract that they are required to provide to me by law.
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC. (FL)

I am trying to refinance my loan with XXXX XXXX in XXXX. I was given a 5 % rate. When I speak to Exeter Finance about transferring the title from a XXXX XXXX to a XXXX XXXX they tell me to call the DMV and fill out a state transfer form. XXXX does not have any such thing, nor does XXXX They need the lender to assist with requesting from XXXX  a XXXX title. The car is registered in XXXX. It was purchased in XXXX. I am trying to refinance with a local credit union. I am paying 18 % with Exeter. Exeter needs to request from XXXX a new title, and the car has to be titled in XXXX to get a payoff of {$18000.00}. I have 60 days and counting to do this or I loose my refinance on my XXXX  XXXX. I am asking Exeter to request from XXXX a new title, I have tried with Exeter for a week, no one seems to comprehend this basic task. I have spoken to the XXXX DMV. Without the title, this can not be done, the refinance I need to lessen my payments. I can not do this alone without the lenders approval in writing, and the {$74.00} paid by the lender.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I was sent a check via email for XXXX dollars and it was told to withdraw XXXX dollars and put them on gift cards and to send XXXX dollar through XXXX. All this happen on XX/XX/2021. I file a dispute and a complaint to all the people I can think of and now Im responsible for XXXX that I have to pay back. I contacted XXXX PNC, XXXX
Consumer complaint received 2021-10-14
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: PNC Bank N.A. (PA)

Again I Have Been Fighting PNC For Years About This Account This Account Was Not Authorized By Myself. I Need This Off My Credit. If I Have To Involve A Lawyer And Social Media Postings I Will Resort To That. This Is Impacting My Credit And Making It Extremely Difficult To Get A Home Loan. I Want Written Proof Of Ownership Of This Card And Proof That I Signed Up And Made These Purchases. Im Not Going To Be Held Responsible For Something I Did Not Do.
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KY)

IN A COMPLAINT REGISTERED WITH CFPB ON XXXX CASE # XXXX REGARDING XXXX COMMUNICATIONS AND CONVERGENT OUTSOURCING, INC, I STATED THAT THIS DEBT WAS NOT OWED ON MY BEHALF 9SEE ATTACHED LETTER ) AND DISPUTED THE DEBT AND I THOUGHT IT WAS ILLEGAL FOR THE 2 COMPANIES TO TRY AND COLLECT THE SAME DEBT. 

ON XX/XX/2022 COVERVERGENT OUTSOURCING STATED IN A RESPONSE TO THE CFPB CLAIM NUMBER XXXX ( ATTACHED ) THAT THEY NO LONGER WERE ATTEMPTING TO COLLECT THE DEBT. 

I RECEIVED ANOTHER LETTER FROM CONVERGENT OUTSOURCING ON XX/XX/2022 ( ATTACHED ) THAT THEY ARE ONCE AGAIN ATTEMPTING TO COLLECT THIS DEBT THAT IS NOT OWED. 

ARE THERE LAWS AGAINST THIS TYPE OF HARASSMENT?
Consumer complaint received 2021-07-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (TX)

I am a XXXX XXXX XXXXXXXX Military Veteran, and have full tax exemption status on my property taxes in Texas. I supplied my letter of full exemption from the XXXX XXXX XXXX XXXX ( XXXX ) along with my original exemption application as instructed by XXXX to my mortgage company, Prime Lending. I sent via online messaging through their website on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also tried sending it through the email given by the company without success on XXXX. No matter what size email the email is returned undeliverable. I received a letter from the tax department at Prime Lending stating my letter was insufficient and lacked all of the information required. In referencing their letter on what information was missing I found that my letter contained all of the required information they were asking for. I sent my letter again highlighting the information they requested, and sent it certified mail through the post office on XX/XX/XXXX. Using the tracking number from USPS I see that it was indeed picked up. I have spoken to no less than 5 customer service representatives and 1 manager about the issue. They all tell me that there is no way to transfer me to the tax department nor does the tax department have a customer service phone number that I can call. They refuse to put me in touch with anyone in their tax department and keep telling me that they do not have my tax exemption letter on file. One customer service representative, in fact, kept interrupting me to repeat what she had already said and was extremely rude. I am disturbed that Prime Lending is treating a XXXX military veteran so poorly, and that they are comfortable taking additional money out of my account each month to use to grow their interest in their own account. I want the additional funds they are robbing from me refunded, and if possible with interest that I could have earned in my own account.