davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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: Rocket Mortgage, LLC (WA)

I engaged with Rocket Mortgage for a home loan in which they suggested I work with their credit department to improve my credit score. I did engage with them and they told me to payoff two debts totaling {$6500.00}. They told me that they needed to wait 10 days before pulling my credit so that the new balance of my debt accounts reflected on my credit report. I was told that by doing this it would raise my credit score to over XXXX. However, after a few days I noticed that I was getting alerts for my credit being pulled from XXXX. I then got a call from my mortgage broker who told me that he was sorry but someone pulled my credit without my permission and that it lowered my score. By lowering my score he told me that I would need to come to the table with $ XXXX more money to close and now I will have a higher interest rate. In trying to resolve this with them I have gotten no where. They have not only made it so I have a lower credit score but that credit score being lowered also translates to everything that is attached to my credit. I will now have to pay more for insurance and if I were to try to get another home loan I cant because my score is too low at no fault of my own. I feel I was mislead by Rocket Mortgage and want them to pay to repair my credit and to pay me back the {$6500.00} I was told I had to pay off in which I didnt because it made no difference due to their faulty practices.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (GA)

I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

Looks like the app doesn't work again. I tried to log in and it wouldn't accept my password, so I tried to reset it and the app crashed at the very end of the process of resetting it. This time it won't let me log on OR reset my password. See screen shot for server error message.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: MEDICAL BUSINESS CONSULTANTS, INC (FL)

XXXX XXXX XXXX XXXX. I had health insurance at the time of service and they are charging me for services. They need to dismiss these charges that Im not responsible for. Because I was never warn about copay for services. They should of disclosed the copay before Services. 
Because Im XXXX.
Consumer complaint received 2018-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Hanna Holdings Inc (PA)

Documents dates from XX/XX/XXXX/XX/XX/XXXX as well as currently XX/XX/XXXX numbers, dates loan numbers and a lot of the information and documents are different that what I signed and what Im reviewing and the title company made me change my signature and Ive requested a copy of what is on file at XXXX XXXX XXXX XXXX the supposed title company and XXXX XXXX XXXX as well as previous mortgage company as well as requested copies of the appraisals and paperwork. As well as have gone to phfa and called agencies for counseling for home buyers at phfa.as well as my employers and tax documents. Each time Ive asked for copies the documents are changed or something is different and Ive sought an attorney as well as gone to my church.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Alley has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XXXX, XXXX and XXXX ), by phone once ( early XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the XXXX XXXX and XXXX ; which Alley decided that the miss payments were made on different months. The new dates are for miss payment are now XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. These payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy in XXXX XXXX and were out XX/XX/XXXX.
Consumer complaint received 2022-10-24
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)

I wrote Experian about 2 incorrect accounts they have reporting on my credit report. I requested that they investigate and provide me with proof of investigation and all I keep getting from them is the debts were verified. I have requested method of verification and they are unable to provide the method and they are currently still reporting.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 a account without my written instructions
Consumer complaint received 2022-04-25
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I would like for CREDENCE RM to show proof of verification that I owe them {$900.00} with XXXX XXXX  CREDENCE RM is currently report inaccurate information on both XXXX XX/XX/XXXX XXXX XX/XX/XXXX about last date active on the account mentioned above. I would for XXXX XXXX XXXX to show proof regarding Account XXXX As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

Barclaycard closed the credit card account due to inactivity without any warning or prior notice. 
I called them and was told that a notice was sent Friday, XX/XX/2020 informing me the account was closed. Today is Monday, XX/XX/2020 and I am yet to receive the notice. The account was closed the same day! 
Usually credit card companies will warn you that due to inactivity your credit card account will be closed if not used within 30 or 60 days. No such warning from Barclaycard. 
I have wr itten a letter requesting the credit card account be reinstated and I cc 'd The XXXX XXXX XXXX and The Federal Trade Commission. 
These practices have to be stopped.
Consumer complaint received 2018-08-19
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. (OH)

Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments.

The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.
Consumer complaint received 2018-08-19
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. (NY)

Accounts on XXXX  and XXXX have been closed but still show as deliquent. There are inquires that should be on the reports. XXXX XXXX XXXX XXXX These accounts are not suppose to show
Consumer complaint received 2020-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (NY)

I had a boat loan with GE MB Lending which I took out in XXXX and made the last payment on XX/XX/XXXX. 

GE Money Bank became Sychrony Bank in XXXX. 

I have been asking Synchrony Bank for a lien release since XX/XX/XXXX. 

I have gotten many excuses, including that they can not get into the old system and they don't know when or if they will be able to. 

It is even on my credit report that the loan was paid. 

This is unacceptable! I NEED the lien release!
Consumer complaint received 2018-08-19
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: One Technologies, LP (PA)

I had an ad on the page at the site where I pay my electric bill. It was XXXX  Credit Report offering a FREE credit report from 3 different credit scorers. " " XXXX Official | Get Your XXXX   Report '' I have never done this before. I am a senior living on SS and wanted to know my score. I clicked on their ad. It was explained to me that they would take {$1.00} out of my card but would refund it to me. Today I went to check my bank account online. I saw a company I did not know OTL*ScoreSense had taken {$39.00} out of my bank account on XX/XX/XXXX without my knowledge or permission. I can't afford this and to me it is theft. I put OTL in XXXX search and saw many complaints that this company had did this to may others some had not noticed it the withdrawal or fees for months. The company directs callers to XXXX XXXX where their customer service representatives are located. Everyone is told the same thing that they have no authority to reimburse or return money. It is Saturday so I have not tried yet but don't expect any other response. The company also will not close " your account '' where they claim they are protecting your credit cards from fraud. They are the frauds. I never asked for this service or signed up for it. I had given them my information on XX/XX/XXXX under their direction they needed the {$1.00} but I would be refunded. That {$1.00} was taken out by OTL*ScoreSense and wasn't refunded. I am worry sick they will not refund my money and take more after reading the FTC and the states of Ohio and Illinois brought lawsuits against One Technologies, owners of ScoreSense, in XX/XX/XXXX. Most of settlement money -- XXXX XXXX was refunded to customers and that was closed in XX/XX/XXXX. Here they are continuing the same fraud today in my state Pennsylvania and others.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/XXXX XXXX XXXX illegal repossessed a XXXX XXXX XXXX. Without any permission, nor notification of where I may retrieve personal items from the car. Credit acceptance also did not notify me of a right to redeem vehicle. credit acceptance currently has multiple compliant filed against the company, As they lie and try to close the compliant so that they can repossessed the vehicle. After findings of multiple illegal repossession. The Consumer Financial Protection Bureau ( CFPB ) is moving to thwart illegal repossessions in the heated auto market. A compliance bulletin issued today reveals conduct observed during CFPB examinations and enforcement actions, including the illegal seizure of cars, sloppy record keeping, unreliable balance statements, and ransom for personal property.The CFPB is concerned that these market conditions might create incentives for risky auto repossession practices, since repossessed automobiles can command higher prices when resold. The timing of auto repossessions often comes as a surprise to borrowers and can cause devastating injury by depriving borrowers of the use of their vehicles. In addition, many people experience emotional distress when a car is taken from them, lose personal property, miss work or lose their job, incur expenses for alternative transportation, pay repossession-related fees, experience negative credit reporting, and have to repair vehicles damaged during the repossession process.
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (HI)

To Whom It may concern, My credit card account was charged off by the credit company. I never received any monthly statements as the credit company had sent those to a wrong address. When I opened the account with this company, the staff verified my driver 's license, so, they should not make this mistake. Please see the follows for details. 

1. I opened an account of TJX Rewards Master card with XXXX XXXX on XX/XX/2017 after I purchased something about {$50.00} at a XXXX XXXX store. 

2. I never received any monthly payment statements after. 

3. I learned this credit card was charged off on XX/XX/2017 from XXXX XXXX. 

4. Then, I started to call XXXX XXXX to fix the problem. The Customer Service representative and manager, XXXX, could not help me over the phone and gave me a XXXX XXXX. XXXX  of the company, XXXX. XXXX   XXXX, XXXX, FL XXXX and asked me to write a letter to them. I wrote a letter to ask why my account was charged off. XXXX XXXX sent me back a letter, stating, " there are no delinquencies reported in the credit history of your Gap Visa Card account ". In my letter, I clearly stated it was for my TJX credit card. 

5. After I started to receive letters from XXXX at my new address, I learned that this account was sold to XXXX XXXX XXXX, XXXX on XX/XX/2017 ( I move to a new address from XX/XX/2017 ) 6. I filed a dispute. Then, I received a package from XXXX XXXX XXXX, XXXX to inform me their investigation result that they did the correct thing to my account. The package included two payment statements. In the two statements, it is clearly showed that XXXX XXXX had sent the monthly statements to a wrong address which I never lived there. They also wrote my last name wrongly in the statements. It could explain why I never received those statements. 

7. After this account was charged off, my credit scores were lowered to XXXX from above XXXX ; XXXX  XXXX   card lowered my credit line to {$200.00} ; XXXX XXXX Credit card lowered my credit line to {$300.00} ; XXXX XXXX XXXX, XXXX announced I owe them {$310.00}.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XXXX I spoke with XXXX at Equifax and advised that I saw unauthorized inquiries on my report. I was advised to contact the creditors to request a deletion letter. I contacted the creditors, they were unable to find me in the system as I do not have an account with them, they also advised that they can not provide me with a deletion letter as I am not in the system so there is nothing to delete. I called Equifax again on XX/XX/XXXX and spoke with XXXX and explained that I followed their instructions but the creditors were unable to find me in the system and could not provide the " inquiry deletion letter ''. XXXX then advised that I needed to go to the police station and provide them with a copy of the police report so they could remove the unauthorized inquiries. I went to police station on XX/XX/XXXX and was advised that this was a local matter and I would need to contact my financial institution along with credit bureaus for assistance with compromised information. I contact Equifax again on XX/XX/XXXX, I explain all of this to XXXX who disconnects the call in the middle of explaining what has happened. I call back and speak with XXXX XXXX who confirmed I was given incorrect information and that I will need to file identify theft report with FTC. As a consumer I feel violated and devalued. I followed all of the instructions from equifax which was wrong to start with and still can not get any assistance. When I file dispute online it comes back as factual. I have already placed security freezes and locks on my reports to prevent anyone from accessing my reports, but I need these fraudulant inquiries removed. With XXXX  and XXXX  I did not go through this suffering. They assigned me case workers and worked with me from beginning to end to remove the inquiries. Equifax has been spinning me in circles for two weeks with incorrect information no less. Below are the unauthorized inquiries that I am not aware of and should be removed. 

XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-04-25
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions. 

2. 

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar Mortgage ( NSM ) began servicing my loan on XX/XX/XXXX. My loan had an impound only for property taxes. However, on XX/XX/XXXX, NSM paid my homeowner 's insurance of {$730.00}. I called NSM and told them my homeowner 's insurance was not part of the impound account. NSM agreed, but stated they could not reverse the payment. On XX/XX/XXXX, I received an Escrow Stmt. revising my payment to include the escrow pymnt made in error, plus and additional {$730.00} for a future pymnt on XX/XX/XXXX. I called, and NSM agreed the future escrow pymnt was incorrectly included. On XX/XX/XXXX, I received a revised Escrow Stmt. The escrow stmnt listed a shortage of {$490.00}. If I paid the shortage prior to XX/XX/XXXX, my payment would be {$2100.00}. If I didn't pay the shortage my payment would be {$2100.00}. I paid the shortage of {$490.00} on XX/XX/XXXX. However, on XX/XX/XXXX, I received a statement showing a payment due on XX/XX/XXXX of {$2100.00}. I called on XX/XX/XXXX and XX/XX/XXXX, and I am unable to get NSM to either reduce my payment to the correct amount of {$2100.00} or refund me the {$490.00} I paid for the escrow shortage. By NSM accepting my escrow shortage payment of {$490.00} shown on their escrow statement and charging me the higher payment amount of {$2100.00}, I am being double-charged for the escrow shortage.