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 (TX)

On XX/XX/XXXX I reached out to rocket mortgage to go over options with them to refinance my home. The rep I spoke with went over various options with me and on XX/XX/XXXX told me that they could move forward but not with my husband on the application because he is XXXX XXXX. Obviously this was not ideal. I told him then that I would like to pause the application for a couple of months and see if we could make some changes to make it so my husband could be on the loan. On XX/XX/XXXX at XXXX he responded and said that he completely understood and he would let his pricing team know and that when the time is right to please reach back out and they would be happy to help. On XX/XX/XXXX I received an email from an XXXX telling me that he was contacted by rocket mortgage to do an appraisal on my home. I told him that there must be some mistake and that I would not be needing this services because we had opted not to move forward. I again reached out to the rep I had been working with who stated that " yes I will check it out in the morning. I just received an email this afternoon about your good faith deposit being denied and that should have led to a pause in the process. I will talk to my XXXX tomorrow and let him know. '' Luckily I had a feeling there would be issues and thankfully I had already pulled that money out of my account so they could not withdraw it just in case. The rep scheduled a call with me for XXXX on XX/XX/XXXX to follow up with me and assure me that everything was paused. A couple of minutes before our call on XX/XX/XXXX I received an alert on my credit that a hard pull had been completed. During our call the rep I had been working with assured me that it was done in error and that he would fix it. He said that he reached out to his XXXX and that they were removing it as an error and that it would take 15 to 30 days. Now today XX/XX/XXXX I get a call, email and a text message from a different rep with rocket mortgage asking me how things are going with my loan. I explained the above to him and he responds by telling me i need to call a client services number. I feel like I'm getting sent through an unending loop with this company just to fix their mistake. I never approved this credit pull. In fact I specifically asked multiple times for it not to happen. I would like this false information removed from my credit. This is a violation of my rights as a consumer.
Consumer complaint received 2024-04-08
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. (SC)

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 : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TN)

I send in a debt validation letter & company was not able to provide me with a signed contract validating that the debt was mine. I do not owe any third party company any debt may have been sold to. I was sent copies of old bills not a signed contract that I agreed to.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (NJ)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'd like to notify you that Im still seeing the same and repeated incorrect accounts on my credit report.

So many disparity on the reports reported by the credit reporting agencies. There haven't been any updates provided on my account and I find it confusing why they have different evaluation and result of verification despite getting this information from one creditor or furnisher of information.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

I have XXXX credit cards that were opened under my name apparently. Both credit cards I did not give authorization for them to open. Both cards are almost maxed out with the limit but I see that they have been making payments on time for the past few years. I was not aware of these cards until I got a Chase bank account with their credit journey feature on the app. I seen the cards on there. So Chase bank can not resolve the issue with me. The accounts have been opened for over XXXX  years and I'm XXXX XXXX XXXX. I know both people that has the cards XXXX is my father the other is my stepmother. I need help closing these card because it's affecting my credit score and plus they did not have my authorization to use my personal information to open them. Please please help me resolve this issue, thank you.
Consumer complaint received 2024-04-08
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)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for on XX/XX/23, XX/XX/23, and XX/XX/23, Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX transunion and XXXX multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet to be deleted.
Consumer complaint received 2024-04-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ready Capital Corporation (MS)

On XX/XX/23 my house burned. We went through the process with our insurance company and they totaled our home. They sent us a check made out to us and our mortgage company GMFS ( loan servicing company ) which is a VA loan! My wife and I endorsed the check and mailed it certified mail to the company. During this time we were getting numerous late notices. My wife called the company and they told her the insurance claims department received the check and had it on hold. My wife explained to them that our house burned and there was no fixing it. We wanted to apply the insurance check towards the amount owed to pay off our home so we could rebuild. The company told my wife to send a letter requesting that they apply the check to pay off our home and send it through the website they gave her and it would take a few days to process. We waited a few days and my wife called back because we were getting numerous letters in the mail stating we were behind on our payment and the fees were racking up. They told us they received the letter we sent telling them to apply the insurance check towards the payoff but no one could tell us what to do next except pay more money that was unfairly charged to us. They have the money to payoff the house and they are holding the money. Our statements show that the money has not been applied to our balance and the amount goes up daily. We have called the company and I have even went to the companys office in XXXX, XXXX to try to talk to someone about what I needed to do to get my home paid off. No one could tell me. We have spent hours on the phone. Getting transferred to numerous departments for which none of them can tell us how to get them to apply the insurance check towards our loan to pay off our home. In XXXX the GMFS company quoted our insurance adjuster the payoff and our insurance company cut the check, since then the have added numerous fees to which we owe them the insurance payoff plus over {$3000.00} and my credit it getting worse by the day so it will be hard for me to obtain another mortgage for a while. I am a XXXX  and this is a VA loan, I am saddened and angry as to how my family and I are being treated by this company. Today a notice was taped on the door and I am afraid they are going to start a foreclosure process on our property. I could see it if we were not trying so hard to pay off our loan. We have already lost enough when our home burned. Now we have been fighting with our mortgage company to apply the insurance check to payoff what is owed to them so we can start rebuilding our lives! This makes almost XXXX  months we have endured this with XXXX, it saddens me to think of how many other people get the run around from this company!
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I set up net credit to auto draft from my primary checking account every XXXX weeks on the day i get paid. this was so it would never be late or overdraft. in XXXX the company inadvertently withdrew payment from a business account i previously had with another loan with them. It of course over drafted. i contacted them and they corrected the problem. I asked for a supervisor to correct the report to the credit bureau, but they have to call back in three to five business days. Here again the company makes a mistake and i have my credit drop XXXX points. My constant disputes with XXXX XXXX is the same thing. They won't admit it was their fault. XXXXXXXX XXXX  was over 4 years ago, yet still affects my credit today.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (AZ)

My bank will not allow me to use my funds. 
My bank has blocked my last XXXX of my SS numbers that are needed to call in & speak to a live agent. My bank has also blocked my phone number so I can not call in to fix the situation. My bank will not let me use my funds & they would not let my insurance company from withdrawing funds to pay my car insurance. I can only chat with my bank Via text .BUT they tell me I can not get information as to what's going on unless I call them but keep in mind they have blocked my social security number which is needed to proceed farther. They have deliberately done this. My account sits fine I can see it but I can not even buy a XXXX dollar sticker on XXXX. I tried to make a small purchase just now of a XXXX dollar sticker on XXXX but it will not go through, they are doing this as retaliation to me over an XXXX dispute. I can not call in to my bank or use my card & they will not call me
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CO)

In accordance with fair credit reporting act Comenity Capital Bank account ending in XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-20
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. (MS)

EXPERIAN, XXXX, and XXXX are all in violation of my consumer rights by unlawfully reporting bankruptcies on my consumer reports. They are in direct violation of 15 USC 1681b. They do not have permissible purpose to report this information and nor have they actually verified or validated if the information that is being furnished is 100 % accurate. Pursuant to 15 USC 1681a ( e ) who did they talk to in order to verify the information? The courts do not report or furnish data to the consumer reporting agencies. I have a statement directly from the United States Bankruptcy Court XXXX XXXX of Mississippi website XXXXuscourts.gov stating that they do furnish or provide information as defined by the FCRA. 

I expect this grievance to be remedied immediately! I have been adversely affected by their unlawful actions, and I expect to be compensated. My ability to carry out my personal, family, and household purposes have been greatly hindered.
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I filed a complaint against  two  mortgage companies :  XXXX   XXXX   XXXX  and Nationstar. The filing number is  XXXX .   XXXX  Nationstar has responded to my complaint, but it sends the information regarding the same to my previous attorney,  XXXX   XXXX .  XXXX   XXXX  has lost his license to practice law in Florida due to complaints from citizens regarding his handling of their claim against mortgage companies.   XXXX  He was my attorney in our claims against  XXXX   XXXX   XXXX  and Nationstar.   XXXX  I have numerous email messages from him regarding our complaint, but he is not representing me or my husband.   XXXX  Please ensure that both  XXXX  and Nationstar send correspondence to me as opposed to  XXXX   XXXX .
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (TX)

XXXX XXXX, 2024 - Logged into my account to see no bank accounts including no bank statements. 
- Chatted and was told to call XXXX - I was told to go the BMO branch in XXXX, OK which is over XXXX miles away. 
- I asked for a supervisor. 
- The supervisor XXXX or XXXX told me my account was closed to inactivity. 
- I specifically asked was it because of not logging in the online portal or app or was it because it was currently {$0.00}? 
- The answer to those questions were no. 
- Inactive and closed because of no transfers or deposits in the last 20 days. 
- My last direct deposit was on XXXX XXXX, 2024. 
- I was also told this was in terms and a letter would be sent. 
XX/XX/2024 - I never received anything from BMO besides an offer for a new credit card. 
- I have not see anything in the terms about a 20 day inactive clause. Only that an account can be close if at {$0.00} for a year.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, after reviewing my credit report, I identified discrepancies pertaining to accounts labeled XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX. In light of this, I promptly submitted a formal dispute letter to Experian on XX/XX/year>, requesting a reinvestigation of these accounts. 

Subsequently, on XX/XX/year>, I received communication from Experian, indicating that they had completed their investigation and concluded that the information on the aforementioned accounts is accurate and complete. However, upon reviewing my credit report again, I discovered that the discrepancies persist unchanged. 

I believe Experian 's handling of this matter is in violation of the Fair Credit Reporting Act, specifically 15 USC 1681i, which outlines the treatment of inaccurate or unverifiable information. According to this statute, consumer reporting agencies are obligated to promptly delete or modify inaccurate information following a consumer dispute, as well as notify the furnisher ( s ) of said information about any modifications or deletions made to the consumer 's file.

Furthermore, I assert that Experian 's actions contravene the provisions set forth in 15 USC 1681e, which stipulates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. This includes reporting information with actual knowledge of errors and refraining from furnishing inaccurate information after notice and confirmation of errors. 

As a result, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for its failure to adhere to the legal obligations outlined in the Fair Credit Reporting Act. I seek resolution in the form of accurate reporting on my credit file and accountability for Experian 's non-compliance with federal regulations. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act swiftly to address this issue. Should you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact details. 

Thank you for your time and consideration.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: KEYCORP (OH)

KeyBank fraud department who is investigating a fraudulent transaction from a XXXX  is in cahoots with XXXX company to defraud my account. I reported information that a XXXX  lied and said I got a key cut for {$120.00} and also got a key prog ( programmed ) for {$47.00} in XXXX of 2023. I did get a key cut for my car but I did not get my key programmed because my key had no inside electronics in it to be programmed. The key I bought from XXXX has the evidence in record that also shows me paying for 2 more keys from XXXX that could be programmed. KeyBank fraud dept is unwilling to admit KeyBank f fraud dept looked at my receipt and assumed the deduction of {$160.00} was legitimate. But laws in Ohio and in the United States require that all evidence in records questioned should be considered with transparency and accountability to prove something occurred. I told KeyBank fraud dept in my words that someone at KeyBank fraud doesnt know Ohio consumers laws on bait and switch which is exactly what happened in my case. I stated the company ( XXXX  ) stated {$120.00} for key made and intentionally excluded cost of programming key and the XXXX  at my place then tells customer he wont charge for program of key but has customer swipe card and sign for key made but pad does not show the higher amount customer is being swindled out of. The XXXX actually told me he would not charge me for program but did anyway and on top of this the XXXX has no evidence in record he programmed my key but charged me for something he had no way of doing whike key fraud department sided with XXXX  just because me signed for something I didnt know I was being charged for, after I received receipt of {$160.00}, I trusted that XXXX charged me only {$120.00} so I folded my receipt, went in my apartment and then looked at receipt amount and looked to contest overcharge but when I came out to look for XXXX, he was gone. I immediately called KeyBank to dispute amount but keyfraud dept know an admission on their part could yield civil charges against key fraud dept which I will pursue within statutes of limitations should key fraud dept deny me compensation for violating my civil rights. I believe {$2000.00} is reasonable amount of small claims court settlement which Im asking in this complaint to avoid court.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. I am trying to buy a house and the mortgage company told me to remove disputes from my credit report. I have talked to all 3 credit bureaus but Experian will not remove the dispute comments from the accounts. The just opened another dispute. I need these dispute comments to be removed so I can move forward. I have tried every attempt to correct this but Experian just ignored me. Please help!