davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

On XX/XX/XXXX I emailed a representative ( XXXX XXXX ) at Rocket Mortgage about re applying for a mortgage loan. XXXX and I spoke that same day via phone arounXXXX XXXX XXXX PST and we agreed that in order to get my application re started I needed to send over my XXXX W2 form, Copy of my XXXX Tax return, recent paystub, and finally bank statement of where the down payment would be coming from. By XXXX XXXX same day I had sent over everything except my bank statement. On XX/XX/XXXX at XXXXXXXX XXXX  I received a call from a manager at Rocket Mortgage named XXXX. XXXX proceeded to tell me that the underwriter had denied my application and that Rocket Mortgage would not be reviewing any future applications either. I asked XXXX what the reasoning behind this harsh and extreme decision and all he could advise me was that it was due to inconsistencies in my application. I asked for specific details, but XXXX said he wasnt able to provide further information/details for me. I asked XXXX it was normal for Rocket Mortgage to essentially blacklist someone without any explanation? XXXX was not able to answer all he kept saying was this the Underwriter stated there were inconsistencies and it was their decision. 

It's not clear to me how in under 24 hours an underwriter was able to determine my application " inconsistent '' ( application was not yet finished I still had more documents to submit ) and flag it so that I may NEVER apply with them in the future. And without any explanation I can only assume its discrimination due to being an unmarried XXXX female. It is unheard of an underwriter providing an answer on a loan application that quickly and without all the needed documents/information so I can not fathom what the " inconsistencies '' in my application could be
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USI Solutions Inc. (TX)

I do not have any debt. I have never been late on a car payment, my house mortgage etc. Those are the only two loans I've ever taken and those payments are auto draft out of my bank account. This company continues to call me numerous times during the day on multiple occasions. It is a recording system saying to please hold and have your information ready. These calls are disruptive and not to mention have taken up so much space in my voice mail inbox by the robotic automated message. I have no reason for this company to continue or to have ever called me. Please have USI Solutions stop harassing and calling my personal cell phone number.
Consumer complaint received 2022-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

My Public Service Loan Application was transferred to Mohela. Finally after making a complaint my employment was finally verified. Now Mohela can only find 32 payments. I have made payments since XXXX to XXXX  XXXX XXXX. I am in the process of gathering all of my loan payments so far XXXX  XXXX XXXX has provided payments from XXXX. I also made payment by electronic check to XXXX  XXXX XXXX which I requested XX/XX/XXXX. Mohela hasn't even counted the payments from XXXX. I have attached the payments that XXXX  XXXX XXXX has provided so far. I really need help with Mohela. When I first received the letter from Mohela that is attached to this complaint dated XXXX XXXX, XXXX telling me that had not made the required payments, I called Mohela and the customer service representative hung up on me. I called back and was told that Mohela was still in the process of finding payments. Then I got a letter from Mohela telling me to make payments. Mohela is not counting all of the payments that I have made towards my loan.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Hello. I became a victim to a multilayer scam operation orchestrated by XXXX XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gain. Amines was transferred from my Chase Bank account around {$22000.00} USD utilizing your service about the month of XXXX 2022. I attempted to recover the funds on my on by seeking the service from XXXX XXXX XXXX in XX/XX/2022. Unfortunately I fell victim again by hiring and paying over {$9000.00} for recovery that was falsified through XXXX XXXX from a fake account. I have been scammed by what I thought was both legitimate businesses. I am a business lady trying to earn a honest living. This has really affected my mental and physical wellbeing. I feel that if my bank for over 30 plus years would have i intervened. I would not be in this situation. This is why Im requesting from Chase Bank the return of my investment funds. I seriously cant afford to lose such a large amount of money. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (ME)

CCS Collections/Credit Collection Services of course knows they are not licensed to collect debts in XXXX, yet they are reporting debt I allegedly owe on my credit report, reporting 3 separate collection accounts. This company is an arm of The CCS Companies. I never had a contract with them for any debt and I do not recognize these debts, they should not be reporting at all on my report. I have tried disputing this with the credit bureaus and provided proof that CCS Collections of XXXX XXXX XXXX in XXXX, XXXX  XXXX is not licensed to collect in my state ; XXXX has removed them, but XXXX and XXXX refused. Additionally, they reported to the credit bureaus ( under the contact information for them on my report ) that they are in XXXX, XXXX, instead of XXXX, XXXX, which is odd. This company practicing debt collection in states they are not licensed in that require debt collectors to be licensed ( which XXXX  does ) is unacceptable and illegal. They are not following reporting requirements either, because XXXX and XXXX have 2 different dates of last activity. I will attach a screenshot of which states they are licensed for that shows that Maine is not included. I am not able to see the account number for one of the 3 collections they are reporting, but the other 2 account numbers are XXXX and XXXX.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (KS)

Regarding case number : XXXX, I have disputed the validity of the debt SWC Group LLC is attempting to collect and have asked SWC Group that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Data Finance, LLC (SC)

I resolved the initial debt through a debt consolidation company back in XXXX. There was a XXXX balance showing on my credit report in XXXX. I do NOT owe anything to this new company who did not contact me directly and put my account into collections by reporting to all 3 credit bureaus on XX/XX/XXXX. 

I do NOT know this collection agency. They did not send me anything and I contest owing anything. Since XXXX I have had XXXX CONTACT with anyone.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (WA)

Pursuant 18USC8 i do not owe any debt. Midland Credit Management is violating my consumer rights to privacy. This company is not licensed and bonded to collect in the state I reside in, WA state. Please delete immediately
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (AZ)

Yesterday XX/XX/2024 I was called by numbers XXXX, XXXX, XXXX, XXXX, and XXXX and I did not pick up. I then began to receive emails from Credit Karma ( my bank ) saying that my number was updated to XXXX which is not my phone number. I called credit karma to tell them that it was fraud and updated my email address to a new email. I then tried to reach out to Credit Karma Customer service in which I told them my account was hacked. They told me I had to send an email to their support and helped me with cancelling my card. Upon ordering a card I received a new debit card, changed my email, changed the pin and hours later over $ XXXX was stolen from my account. These transactions went to numerous cash app accounts that I have never done business with, and credit karma failed to protect me. The XXXX XXXX names are as follows : XXXX, XXXX XXXX, XXXX XXXX, and a credit of XXXX from XXXX XXXX, that I did not authorize. The money was transferred from my savings to my checking and sent to all of those names on XXXX XXXX. Credit Karma is not helping at all!!! Please help me.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (MN)

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TN)

I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. I made deposits with my money and it was successfully added to my account balance. So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately the bank declined the transfer, and restricted the account. After hours in the hotline and submitting a complain here on XX/XX/2023, the Bank contacted the me and cleared the security concerns. Because of that illegal restrictions I missed my credit card payment and had to pay XXXX USD late fee and XXXX USD intrest.
Consumer complaint received 2023-06-12
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: JPMORGAN CHASE & CO. (FL)

XXXX  XXXXXXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to XXXX XXXX XXXX. 
Open fraudulently on XXXX of 2020 per the last credit report. 
Chase bank checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to Midland Credit Management. 
Open fraudulently on XXXX of 2020 per the last credit report. 
XXXXXXXX XXXX checking account XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-11
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: Experian Information Solutions Inc. (GA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX  XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX  XXXX Balance : {$40.00} ; XXXX  XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$21.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$31.00} ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$28.00} ; XXXX XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I fell behind with my mortgage payment with Wells Fargo because my income has dropped by 20 %. also my expenses have increased. I have XXXX children in colleges. I am trying to provide them with the best education for their future. I tried to apply for loan modification several times with Wells Fargo. The XXXX time I was denied because the investor does not participate in HAMP. I filed a complaint with Attorney General. I was asked by Wells Fargo to reapply for modification. I applied again in XX/XX/XXXX I was approved for XXXX trial payments XXXX and XXXX trial payments were {$2600.00} but XXXX trial payment was in the amount of $ XXXX I ca n't believe they had the nerve to offer this deal to us- We do n't have that kind of money - We reapplied in XX/XX/XXXX was denied because they do not have the contractural authority to modify your loan because of limitations in their servicing agreement. Attached is both the approval and the denial letter from Wells Fargo. I strongly feel I am being treated unfairly by Wells Fargo and XXXX ( the investor ) - I am asking for your help to find some type of solution to save my home.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

This is in response to Lexisnexis to CFPB case num XXXX for the request of deletion bankruptcy record case num XXXX I contacted you by phone and mail you proof of identity I will also upload the proof of my phone call along with a bill and my government issue ID as you requested.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

They at XXXX XXXX never came to make a move I needed and when I asked to refund what I paid them they refused to do it. So I tried to get my back to return and they would not saying I would have to go through the civil court in the state they are based out of. I then decided to file a report with Federal Trade Commission and upon sending them the complaint against XXXX XXXX and the other company also based in Florida, XXXX XXXX XXXX XXXX as they seemed to both have collaborated against me to keep my property in Illinois where I tried to relocate from while making me all the more financially stressed, FTC recommended I stop payment or get funds put back into my account through my institution and if they will not help then I should file a complaint against my bank. So here I am.
Consumer complaint received 2022-11-20
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX and XXXX  XXXX  XXXX  Acct XXXX XXXX have 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 instruction.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( XXXX, EQUIFAX, XXXX  ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS