davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

We have evidence of mortgage fraud being committed. In the attachments to this complaint, see the first page of a Deed of Trust dated XXXX ( NationStar ), and take note of the borrower 's address and his designation as 'an unmarried man '. It is a matter of public record that he was married in XXXX ( we lived here and rented from him at the time ) and it is easily shown that his primary residence has been with his wife in XXXX XXXX, CA since at least the time of their marriage. He and his wife come on weekends sometimes and stay downstairs in the garage apartment. No more than 20 to 25 % of any given year. 

Part of his scheme has been to compell us under an implied threat to our tenancy to supply him with a print out of our utility bills which we pay the entirety of. He has said he uses them on his taxes ( tax fraud? ) to falsely establish that this is his primary residence. I have a video of him telling me to do this in the context of signing a new addendum to the lease ( attached ) which we politely contested ( attached ). He has bragged to my partner/co-lease holder once when I was 'late ' getting him the print out, that, as owner, he had gotten them anyway. He also had the water bill changed over to his name. 

This is our predicament. We love this place very much and take good care of it. As a professional XXXX  and XXXX I have redone the entire grounds surrounding it and made a lovely garden. So we do not wish to be evicted, but nor do we want to be complicit in his fraudulent activity. And since he has indicated that he will use our utility bills whether we like it or not, we are seeking help and/or advice as to putting a stop to this. 

Thank-you for your concern
Consumer complaint received 2019-02-05
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. (TX)

Equifax was notified that I was a victim of identity theft. Equifax has taken no steps to resolve the identity theft. They continue to avoid assisting and continue to allow fraudulent information on my equifax report. Equifax refuses to block the fraudulent information that resulted from this identity theft even though they have not followed consumer regulations. They continue to have a fraudulent address on my credit file also yet send me letters in respond to my complaints stating they cant locate my credit file. Because of the wrong address. I have a credit file I can view it myself. I want Equifax to block the fraudulent accounts that I have not authorized that were opened using my stolen identity. These accounts include an Auto Loan From XXXX XXXX XXXX XXXX XXXX, a credit card from XXXX XXXX XXXX XXXX, a line of credit from XXXX XXXX XXXX XXXX XXXX. A secured loan from XXXX XXXX XXXX, a Credit card from XXXX XXXX XXXX, and An Account from XXXX XXXX, A XXXX Account, Fraudulent. A fraudulent XXXX  account credit card. These are all fraudulent. I did not authorize these accounts and Equifax is the only one authorizing these accounts to be added to my file from my stolen identity.
Consumer complaint received 2022-06-21
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. (PA)

In accordance with the fair credit reporting act XX/XX/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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (TX)

I have been a Plus Member of MoneyLion since about XX/XX/2018. In XX/XX/2018, the mobile app and website began having login issues. When I needed to reset my password, I would have to call and be on hold for a long time. When I requested a new password to be emailed to me, it never arrived. I suspected that my email address might not work with their automated email system, so I called and requested that they change my email address to a different one. The new one did  allow me to receive password reset emails. However, they duplicated my account. Since XXXX I have been unable to access my investment account, which contains over {$600.00}. I have also opened a checking account with them, and am unable to access it either. Luckily, I never deposited any funds into it. I can log in under either email address ( two separate logins ), but neither shows that I am a Plus member. One account does show that I paid off my past loan in XX/XX/2018. That should have allowed me to withdraw the {$600.00}, but my investment account does not appear in order for me to withdraw the funds. They have also continued to charge me {$80.00} a month for my Plus membership, even though I have not been able to access it since XXXX. If I had been able to access my Plus membership ( only available through the app ) each day, the {$80.00} would have been deposited into my investment account to repay me for the membership fees, as that is their policy. I have called many times and have been told that my concerns have been escalated, but no one ever calls back and nothing has been resolved for over three months. They have refused to stop my Plus membership payments or refund the ones from the past three months. I hoped that applying for a new loan might cause my investment account to show up on the app again, but they are unable to verify my identity for a new loan. I have given them a chance to fix these issues and nothing has happened. When I last spoke with MoneyLion on Tuesday, XX/XX/XXXX, they stated that they would be emailing a fraud affidavit to investigate the duplicate account, even though I explained that one of their  agents had created the duplicate account in error. I have not received this affidavit by email. I have seen other reviews where people stated that once their loan was paid off, their investment account disappeared and they were unable to withdraw the funds, so perhaps they are doing that purposefully. I filed a complaint through the Utah XXXX, where they are based, but it was closed without resolution when MoneyLion did not respond.
Consumer complaint received 2019-04-03
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. (PA)

I am filing this complaint as an aggrieved man against XXXX, XXXX and Equifax. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (UT)

I was workig with a rental agency to rent an apartment and 2 hard inquiries were put onto my credit report from Credco within 12 days of each other. One on XX/XX/2018 and the other on XX/XX/2018. I contacted XXXX and explained the situation and asked them to remove one of the hard inquiries and they told me that they would not remove either of them and that I had to go back to the company that I was working with to have them remove it. The rental company said that they could not remove either of them because I had to talk to XXXX. So neither of the companies would help me resolve the problem.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

When I tried online to make payment of my mortgage for the month of XX/XX/XXXX, it has come to our notice that my XX/XX/XXXX is not being accepted due to nonpayment of XX/XX/XXXX mortgage. It has come as a surprise to me because the payment of XX/XX/XXXX has already been paid and withdrawn from the account as per bank statement for the month of XX/XX/XXXX is attached. Moreover, an email was received as confirmation of payment from the website of Ditech.com under confirmation # XXXX. It was more surprising when the representative of Ditech also demanded the bank statement for the month of XX/XX/XXXX saying that the payment was also missing for XX/XX/XXXX, when I was talking over the phone on XX/XX/XXXX at approximately XXXX XXXX. 

I am attaching the copies of my bank statement for the month of XX/XX/XXXX, XX/XX/XXXX and the copy of the confirmation email received from the Ditech. Com with details. This is not the first time that the Ditech Financial LLC has troubled us in the matter of mortgage payment and for your kind information that in XX/XX/XXXX the company had created the same issue and after a long time it was accepted in our favor. 

I would appreciate if CFPB takes necessary action to resolve the issue.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

Synchronydoesnotsendanynotificationsaboutpaymentduedates.Alsowhenloggingin,yourpaymentduedatewillnothaveanyalertwhatsoeverthatitislate.Iwaschargedalatepaymentthatwasdueintheamountof&{$22.00}.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX Unverifiable Acct.
Consumer complaint received 2019-02-09
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. (NY)

At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue
Consumer complaint received 2019-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc (WA)

I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXXXXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting an account on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my wife did too, and XXXX XXXX XXXX  XXXX has NOT removed this account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2019-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I opened a savings account on XX/XX/2019 with Ally Bank. That day I deposited a {$10000.00} check using the app. On XX/XX/2019 I received an email that the funds would be available soon. {$200.00} the next business day and {$9800.00} in two business days. On Wednesday XX/XX/XXXX my account was blocked so I called the bank. I spoke with 4 representatives and nobody said they can help me. The last person said there is a hold on the check and I need to call loss prevention the next day. I called loss prevention on Thursday XX/XX/XXXX, They rudely said I was told about the check and they can't help me. 
Today is FridayXX/XX/2019 My account is still blocked. The paying bank of the check said it was cleared on Monday XX/XX/XXXX. Please help me access my funds. 
case # XXXX
Consumer complaint received 2019-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: First Data Corporation (NY)

Applied for " XXXX XXXX '' payment processor on XX/XX/2017 for my business that I started that same year. 

I was really excited when I came across their advertisement somewhere online. 

Signed up and Finished the process of setting all my information up to get the technology that I thought was going to be sent to me. All I remember with signing up with this company was that as soon as I finalized everything I received 3-4 emails stating I was " denied '' NOWHERE in any terms of agreement was there anything stating that this service was ever going to ran through my credit. I was furious comprehending that I basically " applied '' for a payment processor. 

I called the company immediately and ofcourse they said nothing can be done for me. 

I then looked at my credit karma app to see I had a hard inquiry for basically nothing.
Consumer complaint received 2019-02-06
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. (SC)

I am very concerned aabout the validity and accuracy of the recent investiation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responosibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendosly. CFPBplease sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Consumer complaint received 2019-02-05
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: Credit Plus Inc (VA)

In XX/XX/XXXX I had contacted a mortgage lender XXXX XXXX from XXXX XXXX in regards to possibly getting a pre-approval for a home loan with my fiance. I had provided him my information and told him that I needed to get my Fiances information before he ran my credit. I explicitly relayed to him to not pull my credit because I am buying a home with my fiance. XXXX XXXX disregarded my wishes and ran my credit anyways. This was done illegally and against my wishes. 

In XX/XX/XXXX, I contacted Credit Plus to remove the inquiries from my credit and The letter I received from them indicated no proof that the lender had permission to run my credit. In fact it states he received my permission verbally and through the phone. That is incorrect ; I never gave him permission to run my credit whatsoever. I as I had stated, I explicitly relayed to him that I did not want my credit ran until I had gathered my fiances information. The lender ignored my wishes and ran my credit anyways. That is completely unprofessional it reflects badly on the company.
Consumer complaint received 2019-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I transferred money to these two emails ( listed below ), who were hiding behind a fake XXXX  account. My friend and I were interested in buying an RV pass for a music festival, and she told us she'd sell hers. After transferring the money on Paypal, she blocked us and never sent us the tickets. I went on the festival 's event on XXXX  and found out that more people were scammed by this person.

These are emails they used to transfer the money : XXXX   XXXX Both emails have accounts on Paypal. I'm hoping there is something that could be done about it ( ideally I'd want my money back ). I have screenshots showing the girl selling us " her RV pass '' and also a screenshot from the moment she blocked us.

I'm also attaching the link to the event on XXXX  ( in this post, there are more people showing screenshots of the same person trying to scam them -and more people posted on the event 's wall telling the same ) : XXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zieg Law Group, LLC (TN)

Zieg Law Group contacted me XX/XX/XXXX stated I owed a student debt in the amount of {$1000.00} and I needed to make a payment. Iasked for what, they said I had student loan debt with XXXX XXXX. I let them know I never received anything in the mail, or neither had I been contacted before about the debt. I updated my address and I also made sure to ask them to send me the information in the mail. I said I could only pay {$50.00} but they said it needed to be {$100.00}, so I was paying on it for three months. I was trying to figure out how much I owe since I have made 3 payments of XXXX. Dates : XX/XX/2021, {$100.00}, XX/XX/2021, {$100.00}, XX/XX/2021 {$100.00}. I had also still had not received any information on the debt. I contacted the company today and they said they sent it to my old address, and didnt have the new address, I said I called and updated it and the gentleman said oh yes we have it, we still sent it to the old address. I have never received any information on the debt owed, the terms, or the amount. I have asked them so stop taking the payments until I received the information. I was told that I would have to deal with it a lot harder now. I have been paying but I have no idea what it is even for.
Consumer complaint received 2021-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AZ)

In XXXX of XXXX, Quicken Loans closed a cash-out refinance with us. We signed our closing documents, funds were disbursed to our account, and we were scheduled to make our first mortgage payment in XX/XX/XXXX. 

In late XX/XX/XXXX, we became aware that our prior lender XXXX XXXX XXXX XXXX  had not been paid off. 

We have been cooperatively working with Quicken Loans toward resolution of this matter for the last six weeks, and theyve been giving us the runaround. 

Most recently, weve been pressured to move forward with a second refinance. The loan figures do not appear to be accurate, and the terms of the proposed refinance do not seem fair. The proposed refinance includes costs for interest incurred on funds that Quicken has held since the beginning of this process and late fees assessed on a loan that was never completed while weve still been making payments to our current lender, XXXX XXXX XXXX XXXX. 

We feel that Quicken Loans has been mismanaging this resolution process, and has arguably been deceptive in their approach to fixing their mistake. 

We have spent countless hours on the phone, reviewing documents, identifying errors, and requesting corrections often to no avail. 

More details are included in the attached document.
Consumer complaint received 2021-03-05
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: JPMORGAN CHASE & CO. (AK)

JPMCB has several inquiries listed on my credit report dated XXXX/XXXX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not know what these are for as I recently went through chapter XXXX bankruptcy and have not applied for any credit except for a car loan through my bank. I did have power of attorney for my stepdad and mother, including their legal finances, and I shared an account with them. I am wondering if somehow these inquires where made by them for their accounts without my permission. They both passed away last year in XXXX so I have no way of knowing, but I do not have, not have I had anything with Chase bank since the bankruptcy. I asked about these and was told they would not remove them. If I did not make the inquiries with my permission or knowledge they were being made, then how is that right?