davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (MD)

Greetings, Myself and my spouse both Military XXXX XXXX members. 

Company Quicken Loans, lender reached out to us for re-financing in XXXX. We have provided certain information but never authorized to run a credit report. 

Credit report was obtained without our authorization. 
Credit report was obtained individually on XX/XX/XXXX ( individually ) Credit report was obtained jointly on XX/XX/XXXX ( jointly ) Mortgage was obtained from Quicken Loans ( XXXX XXXX ) subsequently. 
I requested Quicken Loans to remove one of the inquiry, but they refused by justifying their pushing and unethical practices. Bottom line is reports were obtained before authorizations.were given. 

This is not about what may or may not impact our credit report, its about obtaining credit report without authorization and without letting us know as consumers. 

even though I did my best to resolve this situation by reaching out to them on XXXX XX/XX/XXXX with XXXX XXXX XXXX. 

XXXX XXXX Quicken Loans Executive Office | Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX XXXX XXXX XXXX refuses to remove my request of XXXX XX/XX/XXXX inquiry, furthermore justified that this inquiry was necessary by Quicken loan in order to obtain VA re-financing. ( one day apart ) XXXX XXXX XXXX also explained that he did his due diligence and based on the investigation he conducted their company has proper authorizations to pull our credit report. 


Please see attached letter and my correspondence with quicken loans I am not the only consumer on whom Quicken Loan used their predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (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. 

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 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit file today with TransUnion and noticed I have 3 unauthorized inquiries for a company called XXXX XXXX XXXX and two are from XXXX and the other in XXXX. I have no idea what XXXX XXXX XXXX is not have I ever done business with them. I have had identity theft problems for the past three years as TransUnion is well aware of. I have filed an Identity Theft Report as a result of the unauthorized inquiries. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b, Credit Report, Drivers License, and Social Security Card.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (MD)

I mailed a certified letter to First National Collection Bureau Inc in XX/XX/2020 because they have contacted me numerous occasions regarding a debt they say belongs to me from XXXX XXXX XXXX. In my certified letter I asked the First National Collection Bureau Inc to please provide me proof that the debt they say I owe is valid because I never authorize XXXX XXXXXXXX XXXX to authorize a credit card in my name. In my letter, I also asked First National Collection Bureau to re-frame from calling me and to communicate with me through postal mail because they have been harassing me with at least five calls a day. I have a history of all the times they called. I also file a dispute with the XXXX XXXX and XXXX for them to investigate this case as well. I also reached out to XXXX XXXXXXXX XXXX  and they encourage me to speak with First National Collection Bureau Inc.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

On XX/XX/2020 I filed a dispute for three unauthorized inquiries with Equifax via myEquifax.com. Was informed on XX/XX/2020, only 2 days later that my dispute was ready. To my disbelief my dispute was denied. I have been dealing with identity theft problems for the past 3 years and Equifax is well aware of this. As a result of Equifax denying my dispute and only taking two days to investigate I have filed an Identity Theft Report. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b, Credit Report, Drivers License, and Social Security Card.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems Inc. : I am in receipt of your XX/XX/2024 letter responding to the complaint I submitted to the Consumer Financial Protection Bureau ( CFPB ). Thank you for your response and the additional information you have provided regarding the alleged {$430.00} debt owed to XXXX XXXX XXXX XXXX XXXX XXXX 

I appreciate that you have placed the referenced account into a restrictive status to prevent further collection activity while this matter is being reviewed and disputed. Please continue to refrain from any collection communications regarding this account. 

Regarding your statement that " It is TSI 's intent not to have any communication with you in reference to the above account '' - please be advised that under the FDCPA ( 15 U.S.C. 1692c ( c ) ), you are still obligated under the FDCPA to respond to this dispute and provide the requested information. Stating you will not communicate further does not absolve you of your legal duties as a debt collector under federal law when a debt is being disputed. 

Upon review of the validation information you provided, I still do not believe this alleged debt is valid or owed by me for the following reasons : - I have no record of ever having an account with XXXX XXXX XXXX XXXX XXXX  - I did not reside at the service address listed during the relevant time period Under the Fair Debt Collection Practices Act ( FDCPA ), I am disputing the validity of this alleged debt. As such, please : XXXX. Make note of this dispute in your records. 
XXXX. Cease all further collection activity on this account, including credit reporting. 
XXXX. Provide me with additional documentation substantiating your claim that I owe this specific debt, including original signed contracts and a complete payment history. 
XXXX. Confirm in writing when you have completed these actions. 

I reserve all my rights under the FDCPA and other applicable state and federal laws. Please direct any future correspondence related to this matter to me in writing at the address you have on file. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I contacted Equifax in XXXX and again on XX/XX/22. I have requested several times that they remove personal information including all old addresses, phone numbers, employment, public records for my bankruptcy, inquiries and accounts from my report. I stated federal laws explaining to them that they are illegally reporting these things without my written consent in which it has been causing undue hardship, defamation of my character, stress, embarrassment and most of all has prevented me from obtaining goods and services for my personal and family purposes. Equifax has failed to honor my request and continues to report illegal and incorrect information on my consumer reports further continuing to hinder me in excelling in life and allowing any business that I initiate into a consumer transaction with to discriminate against me because of the incorrect information provided by Equifax on my consumer report.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have contacted the XXXX XXXX ( that you allow ) of XXXX  at least half a dozen times about the XXXX, the misinformation and completely fake report they are presenting. Almost NOTHING on it is incorrect. They refuse over and over again to EVER change their non stop lies and fraudulent information. They are some of the worst XXXX and XXXX in America and must be stopped PERMANENTLY. They have been doing this to me, and I am certain everyone else, for DECADES! How do you allow them to continuously and endlessly commit fraud with no repercussions? STAGGERING!
Consumer complaint received 2020-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

XX/XX/XXXX XXXX Dear Insurance Claims Department I am writing to submit this complaint about the XXXX XXXX  company regarding my claim for repairs for my roof, kitchen damages and the entire air conditioner system. These damages were caused by Hurricane Irma Category 5 in XX/XX/XXXX. I filed a claim for {$55.00} XXXX dollars to take care of my repairs and I received the check from the insurance company that was endorsed to me, XXXX XXXX, the insurance adjusters and the mortgage company. The check was dated XX/XX/XXXX and was valid for 90 days. I contacted Ocwen Loan Service, LLC, PHH Mortgage that is now XXXX XXXX, c/o PHH Mortgage Services in writing and by phone to ask for my check to be sent back to me for several months to date and you have not heard from any of these companies and I have not received my check to date. Im sure they have cashed my check after all this time. They should have responded to me within 10 days after they received the check that was endorsed to me and I have not heard from them to date. I know they must be in violation of the law. My situation is they think they can take my check, because the property is not in my name but I am still living in the property while this case is in ligation. 
Please find attached the costs and fees for repairs from my contractor from Hurricane Irma Category 5 in XX/XX/XXXX. There is no explanation as to why the check enclosed to me for my claim sent to the mortgage company by certified mail has not been signed and released to me for the property located at : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX which was in my name during the time this claim was filed. 
I look forward to this matter being resolved as soon as possible. Thank you. 

Regards, XXXX XXXX XXXX/ XXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (PA)

On Thursday XX/XX/XXXX, we attempted to purchase our pet 's food from the veterinarian using my husband 's debit card. It was declined. We knew we had plenty of money in the bank and was upset at this issue. Prior to this transaction, the night before, we had done a little bit of gaming online with an online casino, which online casino playing had become legal in XXXX of 2019. When we questioned the bank why the debit card was declined we were first informed that it was due to a problem purchasing a movie on XXXX for XXXX XXXX that we wanted to watch and that we should call the bank 's fraud department. We called the bank 's fraud department and they stated they had no idea why the card was declined because there was no notes in the system. When we spoke to the branch that we opened the account in, the person stated the branch manager at the other location had shut it off but again no notes were given. When we questioned the branch manager she said that they had the right to shut the card off due to online gambling. When reading the bank 's rules on gaming, it stated that only if it was illegal, which it is not in PA anymore. The bank manager was acting like a parent and stated " We were warned not to use the debit card for online gaming ''. She alone shut the debit card off to the point we had to order a new debit card because there was no way to turn the card back on. I feel this is an injustice to consumers. The branch manager clearly had power issues that went to her head. If the fraud department didn't catch this or find it a problem, then where did the branch manager have the right to do this? It was as if she was just waiting and watching to see if we would play online again and the next day took great pleasure in shutting my husband 's debit card off leaving him without a means to purchase fuel and necessities while working as a XXXX  XXXX Sure, he could use my debit card, but where does that leave me also when without one for daily needs? Needless to say, we are shutting our accounts at this bank because if the branch manager can have all this power and dictate how consumers can use their hard earned money, then why use this bank? I certainly do not want to be dictated to in how to manage our money.
Consumer complaint received 2019-11-21
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. (MS)

The credit bureau has shown blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, the credit bureau was delivered this info by registered mail both a dispute letter as well as a follow-up letter. As of today, the credit bureau has not done its duty mandated under the law. The credit bureau 's inaction in this matter and disregard for the law is inexcusable. 
Information is being erroneously included on my credit report, as I have advised the credit bureau to this on separate occasions.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC (NJ)

The company Source Receivables Management mailed me a notice on XX/XX/2022 stating they were trying to collect a debt that I owed XXXX in the amount of XXXX, I personally called XXXX myself and they told me they no longer owned the debt and sold it to Source Receivables Management, this company is in violation of 15 USC 1692j ( a ) which states, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. Through the response received from XXXX  apon me calling in regard to this account I would like to inform you that your company has violated 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. This company is in violation of 15 USC 6802 : Obligations with respect to disclosures of personal information, your company has created an account on my behalf using my social security number without my consent this offense is aggravated identity theft pursuant to 18 USC 1028a they have knowingly. transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, as per the literal interpretation Any medium includes any oral, written, electronic, or other medium, Therefore, furnishing of the consumer report bearing information regarding the alleged debt by the Company will amount to communication as per Fair Debt Collection Practice Act Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately, This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in volitation of the Fair Debt Collection Practices Act. If you do not cease communication a lawsuit will be commence against you. I have attached the initial letter you sent me showing that you were acting like XXXX was participating in this alleged debt collection.
Consumer complaint received 2018-11-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

Respected Ladies/Gentlemen of CFPB, I sent {$1000.00} via Western Union to XXXX ( XXXX XXXX ) from XXXX on XX/XX/2018. 
Recipient was XXXX XXXX XXXX, who had done work for me during an electrification project. 
The recipient did not pick up the money, as Western Union XXXX had given it to somebody else. I will be happy to provide you Western Union 's receipt of transfer and the recipient 's passport. 
I lodged a complaint with Western Union and they have done nothing. My party in XXXX is sick & needs the money for hospitalization. 
Thanks you Very Much. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

Franklin Services is a collections company. They are trying to reach a man to collect a debt. I don't remember what they said his name is. I am a woman. I have twice spoken to representatives and told them that I am not the person they are trying to reach. Both times I was told that my number would be removed from their database, and that I would not receive any more calls. They continue to call multiple times per week from different numbers. The last time they called was today ( XX/XX/2024 ) at XXXXXXXX XXXX XXXX from phone number ( XXXX ) XXXX. 

I am not the person they are looking for. I have no past due accounts. I want these phone calls to cease.
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX  sent a {$1300.00} balance to XXXX for collection in XXXX. On XX/XX/XXXX, XXXX advised the creditor had a settlement available to me for {$1000.00}. I paid this amount of XX/XX/XXXX, and XXXX collection firm advised this was settled and the account is closed out. 

Sometime in XXXX XXXX XXXX XXXX XXXX XXXX sent the remaining balance - left after the settlement payment - to SCA Collections , Inc, in the amount of {$310.00}. This is in violation of our settlement agreement whereby I paid them {$1000.00} as settlement in FULL. This balance is not valid and should not be in collections. 

I called the prior debt collector XXXX, who told me this was closed out and that they were going to advise the creditor this was paid off, as well as send me a confirmation letter ( which I had asked for in XXXX and never got, and still have not received it to this day even after my recent request ). 

I also disputed the debt with SCA Collections , Inc. SCA Collections , Inc. sent me a generic letter in response saying the account is valid, not addressing the fact that I made a settlement payment on XX/XX/XXXX, in the amount of {$1000.00}. 

The remaining balance is not collectible as this XXXX XXXX XXXX XXXX XXXX account is SETTLED IN FULL.