davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (TN)

This is for services Freedom Debt Relief ( FDR ) offered but was misleading there were added fees which was not mentioned. That I had Initially asked about before agreeing to use their services and I was told there would only be a monthly service fee that would cover all of there service fees spreading it out over a few years and the dedicated they offered through XXXX XXXX XXXX ( XXXX ) would be to pay creditors. I had FDR program from XX/XX/2019 and was cancelled XX/XX/2019 I made deposits totaling {$1000.00} to a dedicated account. The dedicated account which I was told my money would stay to cover creditors settlements and I would have access to withdraw or deposit money but I wasnt able to do that because its controlled by FDR. I called XXXX to reverse the fees but they said only FDR could do so. FDR Only sent {$20.00} to the creditors which should have been paid off with the {$1000.00} I sent them on two different accounts. They only refunded me {$34.00} back to my checking account and apologized for the misleading information. I would like to join in a consumer lawsuit against them.
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

Helllo, I attempted to transfer money ( {$1600.00} ) from my XXXX account to my checking account on XX/XX/2019. However, I inadvertently sent it to a USAA checking account I do not have access to. It's an active account but I am no longer listed as a user on the account and haven't been for over a year. When I realized the mistake I contacted XXXX ; the representative said that because the transfer was accepted by USAA that I'd need to call USAA to fix it on their end. So, I contacted USAA. The USAA representative said that because I do not have access to the checking account, there's nothing USAA can do and it would need to be resolved with XXXX. I contacted both XXXX and USAA additional times to relay what the other institution told me, without luck any time. Ive filed claims ( denied by XXXX, determined that it wasnt actually unauthorized activity ) and sent messages but both insist that it must be handled with the other institution. I also contacted the CFPB by phone but the representative said the only thing she could find was to contact XXXX, which of course, I've already done. The money didn't go to the intended recipient and I just want it to go back to originating account. I'm stuck and havent been able to find any potential resolution to recover the money.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I recently discovered 2 accounts reported on my credit report from a creditor XXXX that I have no Knowledge of. One opened XX/XX/XXXX for the amount of XXXX Another opened on XX/XX/XXXX XXXX Ive never had accounts with this company and Have tried to reach out several times to have this information removed.
Consumer complaint received 2019-08-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

This complaint is being submitted against Quicken Loans. My husband had an existing mortgage with Quicken Loans and we signed a contract with a builder, XXXX XXXX, to build new construction XX/XX/XXXX. On this date we were pre-approved by Quicken for a new home loan on the home to be built. The first appraisal of the home was completed using the blue print specs of the home before construction began. 
The appraisal expires after 150 which would have been well before the completion of the build and our final walk through that was completed XX/XX/XXXX. 
Quicken loans did not initiate the new, required, updated appraisal until XX/XX/XXXX and the appraisal was not completed until XX/XX/XXXX which delayed the close date of our home. 
Our close date was initially scheduled for XX/XX/XXXX but the buyers allowed us to delay until XX/XX/XXXX due to the delay we were experiencing from Quicken which prevents us from moving into our new home. 
We still have not closed on the home and were given an " anticipated '' close date of XX/XX/XXXX, 3 weeks later than our original close date that we had been working with our builder and Quicken had agreed to. 
This delay has caused significant financial hardship to our family. We had to board our dog while we found temporary housing for my husband and I. We have everything we own in XXXX XXXX foot XXXX and a XXXX foot XXXX truck that are being housed on a friends property. We were initially told the delay would be through XX/XX/XXXX but was extended until XX/XX/XXXX most recently. This has caused additional time and expense adding up daily for everyday we are XXXX   due to their errors. 
Our account was initially being handled by a man named XXXX but was transferred to a woman named XXXX XX/XX/XXXX. The updated appraisal was ordered XX/XX/XXXX, this should have been initiated weeks or even months prior. I spoke with XXXX after our honeymoon XX/XX/2019 to ensure everything was lined up properly for a timely close to prevent this problem and nothing began moving forward until XXXX took over our file the same month we were scheduled to close. 
I have spoke to manager and a research team and no one at Quicken is willing to take responsibility for this error that is costing us XX/XX/XXXX of dollars by the time we finally are able to close and move into our new home. 
Estimated costs : temporary housing - average overnight stay locally {$80.00} per night x 21 days = {$1600.00} cost to board dog - {$25.00} daily x 21 days = {$520.00} cost of the XXXX {$75.00} daily + tax and mileage = {$1500.00} ( tax not calculated ) cost of second rental XXXX {$75.00} daily + tax and mileage = {$1500.00} XXXX tax not calculated ) total = {$5300.00} As you can see these expenses add up quickly and Quicken refused to reimburse us in anyway which is unfair and an unacceptable business practice. 
I have attached some the supporting documentation to substantiate this claim. 
Your attention and help with this matter is appreciated.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXXXXXX XXXX - Loan # XXXX Pay off amount - XXXX $ In accordance with the Fair Credit Reporting act XXXX Account # 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 2019-08-08
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. (PA)

I have been disputing items on my credit report at Experian, and they do not properly investigate them to determine that are mine. My last attempt was decided on XX/XX/2019. these things that are on there from years ago are not mine. And they cant prove otherwise.
Consumer complaint received 2019-11-15
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. (CA)

This complaint is about XXXX  XXXX XXXX  keep reporting to credit bureau about the account that is not belong to me, I have only noticed this late payment recorded when I looked up my recent credit report on last XX/XX/XXXX, I immediately write the dispute with all three credit bureaus to correct this infomation and placed fraud alert on my credit report, this account is the result of Identity theft. Only Equifax cames back with the account info is verified other two bureaus already removed this account, I never get any document show me how do they verified this account is belong me, It has been more than 30 days and XXXX XXXX XXXX never show me any proof to verify this is my account
Consumer complaint received 2019-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I found three ( 3 ) unauthorized hard inquiries on my XXXX   credit report. Called them direct and their representative asked numerous questions concerning my identity. After about 30 minutes, she wanted to know my problem, Told her I wanted these inquiries taken off my report because I never authorized these companies to check my credit. She told me she couldn't help me on the phone and didn't give me a reason why! Told me to call the companies direct. To sum it up, " can't dispute hard inquiries '' Found three ( 3 ) different unauthorized hard inquiries on my Experian credit report also. I called, and they gave me the same run around. I'm to the point afraid to call XXXX, where I don't know want I'll encounter!
Consumer complaint received 2019-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America send me an unsolicited email message that contained the following statement : " Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Please do NOT send any physical mail to this address, especially mail containing sensitive information. 

Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored. '' Specifically Bank of America does not want me to contact them in writing regarding the matters of the unsolicited email message that raised multiple concerns.
Consumer complaint received 2019-08-08
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. (GA)

XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX  or XXXX XXXX
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CO)

XXXX XXXX apartment complex sent me to collections for move out charges. They explained to me that I did not pay a deposit so they couldn't offset the charges incurred at move out. I sent them the part of the contract that we entered into showing that I paid a {$270.00} deposit. Further, they charged me for various things such as a broken microwave and pet carpet cleaning fees. I asked them for proof and supporting documentation for all of the charges several times to no avail. The microwave was not broken and the carpet was clean when I left, however, upon move out I was denied a final walk through and was told to leave my keys in the apartment due to coronavirus. Anything could have happened to the apartment from the time I left the keys in the unlocked apartment ( as instructed by XXXX XXXX employees ) to the time they procured the keys. I never received notification that the keys were in their possession.
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hunt & Henriques (CA)

I had a XXXX XXXX credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called XXXX XXXX with the hope to get a resolve my balance and prevent any legal collection. 
During my call with XXXX  XXXX I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the XXXX  XXXX representative answered he cant settle for that amount but will ask for an approval, He asked for some for XXXX  XXXX approval or decline my offer. 
After a few days of waiting, I called XXXX XXXX asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named Hunt and Henriques, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for XXXX XXXX approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( XXXX XXXX ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.
Consumer complaint received 2019-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I

previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your respo
nsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. 

INQUIRY 'S XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX/XXXX, XXXX/XXXX
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646.  Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you ( XXXX XXXX XXXX XXXX and COLUMBUS METROPOLITAN HOUSING AUTHORITY that gave you the right to enforce a claim upon my person for this debt.
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I closed on my home in XX/XX/XXXX. My property survey submitted during closing indicated that my home was located in a flood zone that does NOT mandate flood insurance.

On XX/XX/XXXX, I was informed by my lender, PennyMac USA, that I was missing required flood insurance documentation and if I had not provided it by XX/XX/XXXX, I would be charged for lender placed flood insurance in the amount of {$2700.00}. I provided my closing docs as well as my survey and they said it wasn't enough. I then had to go directly to FEMA to provide me with a XXXX documentation on my property. FEMA told me I needed to pay for an elevation certificate to obtain this, which I did XXXX {$150.00} ), and long story short, FEMA confirmed that I was NOT in a mandated flood zone. In fact, their XXXX utilizes a flood map that dates back to XX/XX/XXXX.

I provided all the docs to PennyMac USA, but they still charged {$2700.00} to my escrow account, and are now refusing to refund me the full amount. They are claiming that I somehow had a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, which is impossible. I never knew my home needed a flood insurance policy as per my initial property survey, and my lender is essentially trying to steal {$2700.00} for something I never needed ... which I have proved through and through. 

Please help.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc. (OH)

Associated credit services has called my number multiple times a day for several months asking for XXXX XXXX. My name is not XXXX XXXX and no one lives here by that name, despite me telling them this multiple times and requesting for them to stop calling. They are still calling. They just called again this morning.