davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (DC)

Mortgage bankers from Rocket Mortgage have contacted me several times over the past month about refinancing my house. I explained that I was already completing that process with a different company and I was not interested in working with Rocket Mortgage. OnXX/XX/2024 XXXX XXXX ( from Rocket Mortgage ) called and told me he was looking at my file and would put together something for me. I explained to XXXX that I was not happy with Rocket Mortgage 's business practices and I did not want to refinance with them. I also explicitly told XXXX that I did not want anything done to pull my credit because I was working on repairing my credit and didn't want an unnecessary hard inquiry. XXXX stated that they could already see my information and nothing would impact my credit. On XX/XX/2024 I received an alert from each major credit bureau reporting an inquiry into my credit. After checking each bureau, I saw a had inquiry from Rocket MortgageXXXX XXXX ignoerd my request and pulled my credit without my permission.
Consumer complaint received 2024-07-13
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. (FL)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-07-13
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX XXXX Partial Acct # XXXX ....
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP. (NC)

Around XX/XX/2024 I emailed my home building company, XXXX XXXX XXXX XXXX XXXX XXXX, north carolina and my mortgage company because I am experiencing a great deal of issues with my new manufactured home. I moved into the home around the first week of XX/XX/2024. There are so many defects with this home and so I reported the home building company to the nc doj because of this. I also reached out to someone at the mortgage company pertaining to these issues and have not heard back from them yet. I would like for all of my mortgage payments to be paused because of the defects. for one, the home has poor ventilation in the air vents in my home. and then the home is literally falling apart in some places inside of the home. I reached out to the home building company and asked them to inform the mortgage company to pause all of my mortgage payments until these issues are fixed. in addition, the home building company set my home in the wrong place, and the county had to come out and tell them to move it.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This account is fraudulent I did not authorize this account or any transactions related to the account. This is not by error or a material misrepresentation of fact. XXXX significance of block the information in my consumer report is not evidence of weather the consumer me, knew or should have known that the consumer me, obtained possession of any goods, services, or money as a result of this block
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (TX)

I have been speaking with a XXXX XXXX in the XXXX office. We started discussing settlement options regarding this account in the beginning of XXXX. My account had fallen behind in XXXX. At the time of the late payments, I recently contacted XXXX. I was also going through a divorce and custody battle, which exhausted a good amount of my financial resources. I am also a XXXX XXXX in the XXXX area that was recently affected by the changes in XXXX XXXX that has gained national coverage. I had to recently switch jobs to a new district, which drastically affected my pay. XXXX and I were speaking to come up with a settlement offer for my account. At first he was very helpful. Initially the settlement that we came up with was not accepted. It was an offer of a down payment and splitting the rest of the balance into payments. I wanted to offer a down payment and then have the rest of the balance split up into payments. We spoke on XX/XX/XXXX and he told me that he received an email with my name on the list of approved settlement amounts that was very close to the amount that was offered in the settlement offer first submitted. He was able get the settlement approved but said that he had to reach out to his supervisor to finalize the settlement. For the month of XXXX I kept reaching out to XXXX about the finalized settlement and when I could make payments. Then he informed me suddenly in late XXXX that the settlement offer was not approved. I reached out to the home office and was able to contact XXXX XXXX XXXX ). She has been helpful in regards to advising me to make a payment before the account would be charged off. I completed a payment in XXXX on my account. XX/XX/XXXX I was informed that my account was charged off despite my efforts to settle the account and making a payment in XXXX. 
XXXX XXXX deceived me for the month of XXXX by telling me my settlement was approved and then lied and said it was not. XXXX has continued to lie when XXXX contacted him on XX/XX/XXXX and tried to act like he didnt remember the account but the took responsibility for the error. His supervisor XXXX XXXX also did not make any attempt to contact me about my account after sending mutliple emails.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NJ)

We visited XXXX XXXX XXXX on XX/XX/XXXX and they offered to sell us their time share. We told them we already have a timeshare with XXXX XXXX, Florida. They asked can we do the title search of your property if it was ok with us. We said yes. At XXXX XXXX the same day, they said your property was worth # XXXX and our two-bedroom lock-off XXXX was also {$31000.00}. If you both agree ( me and my wife ) we will draw up the paperwork and go from there. The paperwork was signed very late in the evening and we were really very tired, being XXXXThe next day morning we read all the paperwork and something did not look right to us. If the property was a swap, why they ask us to sign on paperwork for the XXXX, for which we had no interest & also a down payment of {$6800.00}? They said please do not read too much into it, it is just a security for us in case you renege on your deal with us, once you reach XXXX.But we insisted that they draw up another set of paperwork stating that the buyers have no interest in the purchase of their XXXX case the XXXX XXXX do not purchase our property, the the agreement will be null and void. The XXXX XXXX contract # XXXX ( the purchase of the XXXX  ) was linked with XXXX contract # XXXX ( Purchase of our timeshare in Florida ) When we reached the XXXX, something was still bothering us and we sent them an email exercising our five-day recession right to cancel the fractional ownership of the purchase of the XXXX  but we were still interested in the liquidation process of our timeshare..We also called XXXXXXXX XXXX and put a stop payment on the Studio 's down payment of {$6800.00} paid by us. We called XXXX XXXX XXXX XXXX on XXXX and XX/XX/XXXX to find out the status of XXXX XXXX purchase of our property from XXXX was no inquiry for the purchase of our XXXX suspicions became true that it was all a fraud and a prey upon the XXXX  Their interest was only to sell their Studio to us and nothing else.We sent XXXX, emails on XXXX, and XX/XX/XXXX regarding the status of our liquidation process-we are working on it.No progress at all.If they are really serious about the deal, we challenge them to buy our XXXX property and in turn we will buy their two-bedroom lock-off XXXX, but no XXXX.
Consumer complaint received 2024-08-17
Product: Credit reporting 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 was incredibly surprised and disappointed to see incorrect accounts showing up on my credit report today. I always review my credit report, and this is the first time I've noticed such discrepancies out of nowhere. I attempted to refresh my browser to see if it was a temporary issue, but the inaccurate accounts stayed on my report. Because of this, Im requesting a detailed examination of the documents Ive sent so I can put this problem behind me.
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC. (OH)

Today I got a voicemail from a XXXX XXXX from XXXX XXXX XXXX. She did not disclose that she was a debt collector. Just that she was calling about a " legal matter that will require XXXX to appear in court ''. She also did not disclose that any information collected would be used for the debt collection purpose. She used language to make it appear she was from a law firm. " I 'm an arbitrator for the offices of XXXX XXXX. Never mentioned anything about a debt. Just that I 'll have to face court against the allegations against me. 

She then calls my husband who answered at work saying that if we do n't pay the {$580.00} I owe by the end of business today that will sue for over {$2000.00}. 

According the Fair Debt Collection Act that a collections company may be allowed to charge interest on debts they are collecting. But they ca n't charge more than the amount described in the original contract or what is permitted by law. {$2000.00} would go way beyond that. Also that debt collectors must follow the " mini-Miranda '' warning '' on voice mails and she did n't follow any of it. There is nothing actually filed in court. They caused me a lot of stress saying I was going to have to appear in court for " allegations '' when I had no idea what those allegations could be.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OH)

On XX/XX/2024 I send my girlfriend of 4 years and have sent her money using the same Western Union Numerous times. This time I sent {$2500.00} dollars to the same person that is saved on their website that there was never a problem before so why now. I was told i was being defrauded by my girlfriend and they were protecting me. one i don't need their protections. I called before and i sent it and talked to Western Union and was told it would be no problem send this amount of money. Now that they have cancelled my transaction for no reason, they won't return my money for 5-7 days if this is XXXX XXXX i don't know what is. So now my girlfriend can get here medical test for her and her son. because we now don't have the money to pay for it. Now i had to borrow XXXX from a friend i had to pay higher fee 's this can't be legal.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

This is an addendum for Complaint number : XXXX Briefly, the issue is that a XXXX XXXX credit card was added to my Wells Fargo Bill Pay account in mid XXXX and {$1900.00} was debited from my account to this card. I do not have an XXXX XXXX credit card, never have. Wells Fargo has determined that the debit was authorized by me. It was not. After asking severl XXXX reps about whether XXXX XXXX was contacted, I was told that they were, on XX/XX/XXXX. They did not share their findings but again denied my claim and closed my case. 
I talked with another Wells Fargo claims representative on Friday, XX/XX/XXXX and she informed me that XXXX contacted XXXX XXXX on XX/XX/XXXX and the notes in my flie reflected that in their contact with XXXX XXXX, XXXX XXXX could not provide any information as I was not on the line to provide consent. That was it and per the Claims rep, no other attempts were made to puruse this part of their " research ''. 
This claim, with the help of a bank manager I've been talking with said that she would see that the case is reopened with this " new information ''. 
I am at a total loss. I need your help in resolving this matter and holding XXXX accountable for their lack of investigatin and, in assisting me get my funds returned to me. Thank you. XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I looked at my report and noticed some incomplete and inaccurate things, according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report, it follows reasonable procedures to ensure the maximum possible accuracy of the information. 
I sent a letter asking them to reinvestigate the accounts listed below. 
1- ACCOUNT NAME : XXXX XXXX. ( ACCOUNT NUMBER:XXXX  2-ACCOUNT NAME XXXX XXXX XXXXXXXX ( ACCOUNT NUMER : XXXX 3-ACCOUNT NAME : XXXX. ( ACCOUNT NUMBER:XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I am submitting this second complaint to the CFPB regarding an unresolved fraudulent transaction on my Chase Amazon XXXX Visa credit card ending in XXXX. Despite providing evidence and filing a previous complaint, Chase has failed to resolve this matter satisfactorily. 

Sequence of Events : On XX/XX/XXXX, an unauthorized transaction of {$840.00} was made by XXXX XXXX on my credit card. 
I reported the fraud on XX/XX/XXXX, and a provisional credit was applied to my account. 
On XX/XX/XXXX, Chase reversed the provisional credit and the fraudulent charge reappeared on my account. No proper notification was provided, and the result was only available in a hard-to-find message center on their website. 
I called Chase on XX/XX/XXXX to appeal the decision. The representative admitted the communication issue and reopened the investigation after I provided additional commentary : a ) The transaction is inconsistent with my account history, as I only use the card for Amazon and XXXX XXXX purchases. b ) A matching IP address alone is insufficient evidence, as devices can be hacked and IP addresses spoofed. 
I filed a complaint with the CFPB, to which Chase responded on XX/XX/XXXX, closing the case with an explanation that the XXXX address matched my records. They failed to address my additional evidence and commentary. 
On XX/XX/XXXX, I called Chase at XXXX PM after receiving an incorrect letter stating the appeal was decided against me, despite the open CFPB complaint. The representative was unprofessional, disrespectful, and provided conflicting information about the status of the appeal. She claimed a callback would occur but it did not. 
Additional Evidence : I have attached screenshots proving my passwords were at risk and involved in several data breaches, supporting my claim that I was likely hacked. 

In conclusion, Chase has failed to properly investigate this fraudulent activity, provide clear communication, and address the additional evidence I have submitted. They continue to hold me liable for an unauthorized transaction based solely on a matching IP address, which is insufficient proof. I request that the CFPB intervene to ensure Chase fairly resolves this dispute, credits the fraudulent charge, and implements better practices for handling fraud claims and customer communication. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-07-25
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. (TN)

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.

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 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

XXXX, XXXX XXXX CREAT REPORTED REFUSE MAKES NESSARY CHANGES DONE ON MY CREDIT REPORT .EFFECT SCORES RATIN HAD. DECREASED HORRIBLY. Denied FOR ANY LINE CREDIT.XXXX COMPlAINTS CFBP ( .1 ) COMPLAINT NOCHANGES. 2 NOCHANGES SHOWN.WHILE MAKE ON TIME PAYMENTS. CONNECTS credit bureau devices BANK CARD. 
REPORTING HAS GOTTEN WORSE? Questions is it done PURPOSE du prior complaints GLANCING in. SYSTEM l AM. XXXX XXXX XXXX UNITED STATES VETERAN, WHOM FOUGHT FOR OUR Country BESIDES ONCE WERE EMPLO besides. RETRIED VETERANS AFFAIRS REFUSED FOR HOME LOAN. I HAVE PAID COMPANIES CALLED XXXXXXXX XXXX XXXX XXXX XXXX XXXX  WHOM BOTH states CREDIT BUEAU COMPANIES. COMPANIES REPORT information these comp has listed on my credit report don't match.consumers incorrectly XXXX XXXX Experian request information When you provide these companies information. still no charges done on my file. 
This matter has gotten bad. Veterans affairs. Decide resents send letters contacted Government. Due to me once was veteran entire life given fighting for our country refused credit due to reports record government requirements listed score has reached XXXX better My scores barely report XXXX l have applied XXXX denied barely move into apartment. I no there is mistakes done on my credit report what happened to FRA. Does it resist .l have ran disputes to credit bureau when ever decision. Made the account be removed out nowhere shown account was replaced. Showin twice. Including these collections complanies who also trying to collect. government has sent letters out to my behalf these companies requesting STOP reporting. Info how to Handle situation. Judge signing off on it. Decision. What reason for fraud alerts nor disputes? Thur to later decision has been changed. Notice company called XXXX XXXX. This account was placed XXXX. Showin correcty no late payments .the account was settled payoff. Earlier then request .credit report companies has it showin reporting. Late. Due to co-signer. Investi matter. My account was changed without me bein contact.. Now Shown on my XX/XX/XXXX. Notice before this account was bein report but wasn't graded correctly? No late payments on time XXXX company Called XXXX XXXX XXXX XXXX This account XXXX. Years no late payments made on time. instead it reported grade it report late errors XXXX. This account l have documents. Company provided stated only tif error shown due to murchandie. Bein paid off my account refinancing Company 's called ( web bank ) listed two three times shown on my credit report including collections. I have police report. This is not my account. companies stated the incorrect information provided credit bureau provided to them only information they have other wise they don't have accurate information. Shown on my account