davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I needed to pull money out of my home to purchase a piece of commercial property. I was shopping around for the best deal I could find. Quicken Loans had financed our home and I called to inquire about refinancing it. 

I have a lot of experience applying for credit and have found it customary to confirm date of birth and social to discuss options. NEVER has this meant WITHOUT THE EXPLICITE REQUEST FROM THE FINANCIER, AND PERMISSION GRANTED FROM THE CONSUMER to do a hard credit pull inquiry. I was NOT locking in a loan but requesting some information about what is possible. It is quite common to do a soft credit pull to get an idea of what is available and then once you decide to go forward for the lender to do a hard inquiry. 

However, that is not what happened here. Without permission or asking, Quicken loans upon what I thought was verifying my identity did a hard credit inquiry to my account. 

I believe they do this to 'lock ' you in and make you feel like you can not shop around. I needed to shop around because their offer was horrible so I escalated the call to a supervisor XXXX XXXX XXXX.XXXX.XXXX. He listened to my recorded call and agreed they could have asked for permission but said my confirmation of DOB and social gave them the right to. I DO NOT AGREE nor has any other lender since I have spoken to. Nor will any consumer think this is right as it is commonplace when discussing your financial account to request this information. This is an aggressive tactic on the part of Quicken Loans to move you through their 'engineered to amaze ' sales process and to subconsciously make a consumer feel he or she can not shop around because their credit was just affected. This is totally unacceptable. Shame on Quicken loan. 

Bottom line : I asked XXXX to remove the hard inquiry and he refused to. 

I am requesting you get them to remove the hard inquiry and make it clear to them that they ARE REQUIRED BY LAW to ask for permission and that the average consumer has no idea that confirming their identity will give them rights to do a hard inquiry and affect their credit. There is nothing 'amazing ' about feeling trapped and uninformed. 

I am taken back by their behavior and hope you are too. 

XXXX XXXX
Consumer complaint received 2016-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (HI)

My initial complaint is with XXXX XXXX and their relentless tactics to scam money out of consumers. XX/XX/XXXX, I had a contract with XXXX and during their months long data outage for the Side-Kick phone, I called customer service to cancel my contract due to the service I was paying for at the time not being provided. XXXX canceled my contract WITHOUT fee due to this issue and I switched to XXXX. Years later I was slapped with a collections notice with no bill or notification whatsoever from the initial creditor. Last year, I disputed this collections claim with XXXX credit reporting agency and the charge was dropped. Now another collection agency has picked up this charge except changed the date to reflect a more current balance, which is XXXX violations against the FCRA and FDCPA. They alleged that my first date of delinquency was XXXX XXXX ... .however I had not been a XXXX customer since their data outage in XX/XX/XXXX. I was living abroad during XX/XX/XXXX-XX/XX/XXXX and during this time was a consumer of foreign mobile subscribers so to claim I had an active XXXX account in good standing prior to XX/XX/XXXX is a complete fabrication. They have not been able to furnish any billing or invoice information to attest to their presumed debt which is why at this point I am fairly within my rights to sue both XXXX XXXX and the debt collection agency for selling/buying this erroneous debt years after the account was closed, reporting negative credit information passed the statute of limitations, as well as for falsifying dates of delinquency to allege that this is a legitimate debt.
Consumer complaint received 2024-10-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; Account name : Office of Attorney General - # XXXX Account name : XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

USAA keeps sending me credit card offers. Originally they sent them to me. When i complained, the just changed the name on the address to one of my daughters, who does not live with me. I complained again, and told USAA to never send anything to my address. Now I am getting credit card offers from USAA addressed to my other daughter. Both my daughters are fully grown and have been out of the house for years. My address has even changed since my daughters last lived with me. USAA claims to be such a friend to the veterans, but I 'm a vet, and they are a XXXX to me. Please make them stop marketing my address.
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/XXXX my XXXX XXXX XXXX son received a loan for XXXX on a 2011 dodge ram 1500 at XXXX XXXX XXXX in XXXX TX and it was financed through Chase Bank with no income verification and he was unemployed. This loan should never have been done. This was unfair and misleading lending practices. When he came home with a new vehicle I was in shock and immediately pushed him to get a job which enabled him to make XXXX payments and then he was again unemployed and in good faith he called to postpone a month of payments until he started working again. He postponed them through XXXX, which is the XXXX party vendor that was debiting his account. He thought this was enough as he had limited financial experience. To our dismay on XXXX/XXXX/XXXX Chase took the truck stating he was only XXXX payments behind. XXXX was holding on to XXXX payment to send to Chase and he was ready to make the next payment on XXXX/XXXX/XXXX and he would be caught up. Numerous calls were made to Chase to explain the unfortunate situation in which they offered no support. They entered into a loan unfairly and then decided to ruin a child 's future with bad credit instead of working with him to keep the vehicle and yes he was only XXXX payments behind to be caught up in 3 days. The only option Chase is giving now is to refinance the truck when we just want to keep and pay the loan directly to them, even offered a monthly auto debit from his account. Why would Chase take such a hard stance on a child when they should never have done the loan to begin with. On my end I taught my son a lesson and he is prepared to pay the vehicle on time every month and accept his responsibility and Chase will not give him the option. I work for another financial institution and 2 months behind is not enough to seize property. Seems to me Chase wants out of the loan that was done unfairly to over their end and I want them to admit the error and allow him to keep his vehicle and pay his debt. No one at Chase will budge or listen.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Personal Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I have disputed a paid XXXX account with experian TWICE in the last 60 days. They continue to leave the balance on the collection even though I have sent them the attached proof of payment in XX/XX/XXXX. This is a violation of my federal rights.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/2016, I spoke with Transunion 's Supervisor XXXX and he indicated that even though I submitted documentation to support my recent credit reporting disputes Transunion is not responsible for looking at disputes. The creditor is even though I provided official documentation from the creditor. So Transunion has failed to uphold their investigation.
Consumer complaint received 2016-12-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (IA)

My mortgage was recently sold to Caliber Home Loans, Inc. My payment was due on XX/XX/2016. I logged into their system at XXXX cst on XX/XX/2016. It would not allow me to enter a payment date until XX/XX/2016, thus making this payment late and incurring a late fee. I completely understand they may not be able to process my payment until then, but there 's absolutely nothing preventing them from recording my payment on XX/XX/2016. I attempted to make a payment before it 's even due, yet I ca n't. This is a deliberate act on their part to ensure I am late. thx.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (GA)

American Express who I had direct deposit from XXXX XXXX has breached SEC rules and regulation. They have stolen money from my account and transferred it to an employee or another account. It was not there money to do so and the XXXX found out that employee assisted with this unauthorized transaction .I am desire all of my money back not just the XXXX back but all XXXX which was deposited because of the harassment and lack of integrity in which this corporation has none. I have had to wait which has caused other payments to be delayed since I am no longer working for a company that takes insurance policies and breaches security when it comes to paying your salary in this form. Please resolve this right away so I can legally pay my bills and hire representation to sue both this organization and employee.
Consumer complaint received 2016-08-18
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I applied for a {$0.00} down payment VA loan through USAA and after being told I was pre-qualified and subsequently approved I was then asked to provide a down payment of approximately {$9200.00}. It was only 2 weeks before closing and after my appraisal and inspection had been paid for and after I informed my landlord I was moving out. I was told I had a loan and then all of a sudden I was unfairly being required to come up with this large amount of money in just a matter of days or I would have ended up homeless. This was very unfair and deceptive and I also never received a clear explanation about why this down payment was being required on a no down payment VA loan product nor was I ever given any additional disclosures. Further detailed information is attached.
Consumer complaint received 2016-08-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trans National Credit Corporation (FL)

Please reference consumerfinance.gov Case number : XXXX - I have not heard back about this case and Trans National Credit Corp. has not provided me with any proof that this debt is mine. They refuse to provide evidence and it seems that they can not even be vetted by Consumer Financial Protection Bureau. The 30 days have long gone as this dispute was submitted on XXXX/XXXX/2016. When is this going to be removed from my credit??? They refuse to provide the emails they say contain information that the debt is mine. PLEASE HELP!!!
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I have been attempting to rectify an issue with all three credit bureaus regarding inaccurate information about my bankruptcy. Despite multiple requests and a certified letter from the bankruptcy court confirming that the information they received was not from the courts, they have continued to report this inaccurate information on my credit report. This is a clear violation of the Fair Credit Reporting Act, which stipulates that the information on a credit report must be correct and accurate. If this misinformation is not removed within 30 days, I will have no choice but to file a lawsuit. 

also, any information related to the bankruptcy to be removed from the report as well any accounts also discharge need to be removed with this inaccurate information within the 30 days before I file lawsuits
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CA)

This complaint is due to multiple inquiries made on my credit report from Loan Depot thru XXXX . The complaint is against XXXX, as the credit servicer for Loan Depot and also the prospective lender Loan Depot. In XXXX 2016 I responded to a Refinance solicitation I received from Loan Depot and had granted only one approval to run one inquiry on my credit. Loan Depot made six Inquiries within a span of a few days because they were trying to gather additional information on income and value of my present home to determine loan eligibility. Un-be known to me at the time, Loan Depot took upon themselves to re-run inquiries every time I spoke to an individual at Loan Depot as a follow up on the same matter. My credit report now shows numerous inquires within a span of one week or so some multiple on the same day from this same prospective lender " Loan Depot ''. I have brought the matter to the attention of both XXXX XXXX and Loan Depot and both have failed to respond in a reasonable time frame.
Consumer complaint received 2022-07-17
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. (SC)

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 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I 've been given false representation of XXXX I 've made several attempts too have removed from my credit report a debt for National Credit Systems for a balance of XXXX I 've made attempts to contact XXXX XXXX and I 've been told that I could n't speak too any representative /manager because they no longer handle the debt any longer to call XXXX XXXX XXXX And associates who 's constantly told me they have n't recieved any supporting documents I 've give documents too all 3 parties and have been given the run around XXXX are no longer an existing bussines I 've spoken with Managment who states company is no longer opperating but will adjust the balance how they see fit being XXXX Now my issue is upon leaving XXXX the only balance was XXXX after deductions which was brought too court XXXX 2015 and Dismissed with XXXX balance National Credit Systems can no longer Collect in a debt for a non existing company also the matter was Dismised and documents where proving in support and ignored by XXXX.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (WA)

Seneca has erroneously begun evaluating my mortgage for PMI cancellation, which I did not request. 

This is a problem because it leaves me exposed to subsequent illegal fees ranging anywhere from {$12.00} to {$1200.00} for BPO, appraisals, inspections, etc. according to the fee schedule on my mortgage statement ( Exhibit A, Page XXXX ). 

On XXXX/XXXX/2016 I sent a " secured message '' via Seneca 's website ( Exhibit B ) requesting that they re-analyze my escrow ( and lower my payment ) since their latest escrow analysis failed to take into account that PMI will terminate automatically in XXXX since my loan will have reached 78 %. Please see the attached screenshot of my account from Seneca 's website to verify the date of automatic termination ( Exhibit C ). 

On XXXX/XXXX/2016 Seneca posted a " Letter '' to my online account on their website informing me of the erroneous evaluation ( Exhibit D ). 

It is worth reminding that PMI cancellation and termination are not the same thing and that PMI termination happens automatically, without fees, and without any sort of evaluation, which is precisely why I opted to not request PMI cancellation and instead let it terminate automatically XX/XX/XXXX.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (FL)

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I have two issues. First being that Toyota Financial Services for Car Loans has changed when you are able to make a payment. For example, if your due date falls on the weekend, you are no longer able to schedule your loan payment on the weekend. The payment has to be scheduled at some point during Monday through Friday. Otherwise, you are considered late, if the payment is made after your due date AND past the " grace period '' that they allow. The primary and I were never notified of this change. I feel that the non-notification and the change are deceptive, unfair, and pose a huge FCRA risk as the customer can be reported past due to the CRAs because of the lack of awarness that TFS failed to provide for the payment scheduling change. The second issue that I have is I was in XXXX over the last 4 weeks and needed to make my XXXX XXXX car payment. When I clicked on " make a payment '' I would receive an error message or it would time out. I tried this over a course of 7 days and on different devices ( iphones & ipods ). I understand that I could have scheduled the payment before leaving but I assumed, in the XXXX century that we are in, TFS 's site would be capable of handling my request from over seas. However, I learned thats not the case. Yes, I could have called TFS but it costs an arm and a leg to call and there is a XXXX hour difference. I had to ask a friend in the US to login and make a payment on my behalf. I should n't have to do this. I also feel that this is misleading and deceptive. A way for TFS to charge a customer a late fee and report them potentially past due to the CRAs. 

Sent from my iPhone
Consumer complaint received 2016-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

Please see below response from Commonwealth Financial to Consumer Financial Protection Bureau. AS OF TODAY XXXX/XXXX/2016 THE DEBT IS STILL SHOWING ON MY CREDIT REPORT ALTHOUGH THE BELOW STATES THAT IT WAS REMOVED. This debt is not mine as stated in previous communication. The statements below are untrue as I had received communication prior to me filing a complaint at the same address. There was no reason anything would have been sent back to them. There whole establishment is shady at best. And the fact remains that they said they reported this debt to be removed, but it is still showing on my credit. 

Response Re # XXXX To Whom It May Concern : This letter is acknowledgment that a complaint was received from your office on behalf of XXXX XXXX XXXX. Commonwealth Financial Systems received certified mail from XXXX XXXX on XX/XX/2016. XXXX XXXX disputed the claim and requested validation of debt. On XX/XX/2016 an itemized billing statement was mailed to her, however, it was returned for bad address. In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX XXXX 's credit history in XX/XX/XXXX. Please provide an updated address so that we can resend the itemized billing statement. XXXX XXXX can reach our office at XXXX. Our fax number is XXXX. 
Please feel free to contact my office should you need further assistance. 
Thank You. 
Sincerely, XXXX XXXX Client Relations This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.