davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I tried to refinance my home loan with Quicken - not only to reduce my payment, but also to consolidate a first and second lien. Considering their rating on XXXX and how they actively market how great a customer experience they deliver, I thought I could not go wrong. I provided all the requisite documents needed quickly, and they were responsive. Strangely, just before I was supposed to receive the Appraisal, I received a revised loan estimate with a higher rate. I did n't think anything of it, until I received my Appraisal for significantly less that anticipated. To note, their Appraisal came in at {$690000.00}, while third-party sites like XXXX provided a private estimate of over {$820000.00}. I asked Quicken to go back and take another look, providing other more relevant comps than the ones used. They also missed relevant items like lake views, while in one comp they stated lakefront, but it did n't have access to the lake across the street from me ( a simple check of public record would have isolated that fact ). Quicken came back to me with no change in valuation. I asked my Mortgage Banker why the change in the Loan Estimate and he stated that the higher rate was due to the lower valuation ; I took that as I could still refinance, but just at 50 bps more on the rate. A different person - a Solutions Consultant? - came back to me and said that it was published in error, and that I had to make up the difference in LTV if I wanted to refinance. This was an approx. {$100000.00} payment. Not only was this experience terrible, but I was given inaccurate information setting a false expectation, and pertinent details were excluded from my valuation, which impacted my ability to refinance the loan and improve my financial condition. I feel like Quicken put in the low valuation because my wife has some credit card debt and they did n't want to deal with it even though she was not going to be on the loan. The one positive was that their executive office people were responsive once it was escalated to that level, but I feel like Quicken, outside of having me pay down my mortgage by {$100000.00}, was not their to offer me counsel around options. Also, as I did not agree with the valuation, I asked if they would give me back the Good Faith Funds. They said no right off the bat, without even hearing me out. Now I have no refi 'd loan and am out {$500.00}. Just terrible all around. Shame on you Quicken for taking advantage of people like that. I gave you the Good Faith Funds in good faith I would get a refinanced loan, not to compensate you for your poor choice of Appraisers who do n't know how to do their job effectively!
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I deposited a cashier 's check in the amount of {$45000.00}. After a period of 7 days, the check was successfully cleared. However, despite this clearance, US Bank placed a hold on my account on XX/XX/XXXX without providing any reasons or timeline for the hold. When inquiring about the situation, the branch informed me that the hold was implemented by the back office, yet when contacting customer service, I was told it was the decision of the branch. Furthermore, I have lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) under case number XXXX. 

On XX/XX/XXXX, I received a reply from a US Bank employee named XXXX who assured me that I could fully access my funds. However, upon contacting US Bank customer service, I was informed that my account remains restricted, and I still can not access my funds. There has been no provided timeline for resolving this issue. 

As a result, I am facing significant financial strain as I urgently require access to my funds for daily expenses and to sustain myself. I am deeply troubled by the lack of clarity and prompt resolution in this matter and urge US Bank to swiftly address and rectify this issue so that I may access my funds and continue to meet my financial obligations. 

I urge US Bank to promptly address this discrepancy and provide a clear timeline for resolving the problem so that I may regain access to my funds without further delay.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc. (NY)

XX/XX/XXXX XXXX the buyer purchased my authentic XXXX XXXX XXXX XXXX mercari approved the return despite stating i felt the buyer was going to steal from me. i couldnt confront the buyer myself as mercari conveniently had my account banned for disputing a fake XXXX  charge so upon receiving my package since it was returned low and behold theres no wallet. i contact mercari and they say billing and payments my account is still currently banned so i told she would stole from me and mercari hasnt done a single thing about it. ive told them this would happen and to not approve the return for this reason they did anyway
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

The original creditor was XXXX XXXX. I paid over {$300.00} in XXXX to transfer the phone over to XXXX. The rep from XXXX  advised that she would not provide the unlock code until i paid off the device. Now XXXX  is has sent I.C. Systems, INC after me trying to collect on the same amount i paid to switch over. I.C. Systems, INC has failed to notify me in writing in regards to the alledged debt. However, they have placed the account in collections on my consumer report.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (UT)

Express Recovery Services  is attempting to collect account that I had record had already been paid. Also, a request for validation of this account was sent on   XX/XX/XXXX    , after talking to the original creditor, and  Express Recovery Services  has failed to respond. They are reporting an amount owed of {$100.00}, which I do n't believe I actually still owed as this was paid to  XXXX   XXXX . Since they do n't respond to validation requests, I have been unable to verify this account or amount owed.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I would like more information or clarification with regard to how the credit card company charges interest on your purchases. 

I have attached a copy of 2 statements, from Capital One. XXXX statement is dated XX/XX/2019 and it reflects a balance owed for the amount of {$420.00} and it clearly states in paragraph 1 that is this amount is paid in full by the due date there will not be any assessed late charges. Now we have next statement from XXXX which reflects the balance being paid in full on XXXX and they still assessed a late charge. 

I paid the amount that was requested on their statement and they told me that they can still charge the interest on this balance even though it has been paid in full? 

I have spoken to Capital One and was told because the balance wasn't paid in full in XXXX? that's why I was charged the interest fee in XXXX?
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MO)

XXXX has repeatedly reported this debt amount of {$70.00} with an account # XXXX to my credit report and it has been transferred to several different collection agencies. I have spoken with XXXX twice via phone with the first person named XXXX confirming that I did not owe the amount and it would be removed, and the second person who would not provide her name refused to answer any of my questions and advising that my account was no longer with them and had been transferred to Diversified Collections. I specifically asked them to confirm what dates this bill amount was for as I paid my final bill amount on XX/XX/18 and immediately transferred my phone number to XXXX as of XX/XX/18, thereby closing the account. Clearly, the first representative blatantly lied to me. I will include emailed receipts as well as the documentation for the collection agency.
Consumer complaint received 2022-05-28
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. (CA)

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 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. ( XXXX XXXX XXXX  ) Account number XXXX 3. ( XXXX  ) Account number XXXX XXXX. ( XXXX  ) Account number XXXX 5. ( XXXX XXXX Account number XXXX 6. ( XXXX XXXX XXXX XXXX ) Account number XXXX Original creditor XXXX XXXX 7XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A . States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A 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 Sates : 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 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 to believe that the information is inaccurate.
Consumer complaint received 2017-07-14
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: Experian Information Solutions Inc. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A ) (  i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd p arties you are damaging my reputation and credit worthiness.  <P/> Under the  FCRA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT
Consumer complaint received 2022-05-28
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: AMERICAN EXPRESS COMPANY (NY)

The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX
Consumer complaint received 2022-05-28
Product: Credit card or prepaid 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: Chime Financial Inc (CA)

I found a fraudulent charge of {$220.00} to XXXX XXXX on my credit builder card through Chime bank on XX/XX/2021, and notified them immediately. They canceled my card and issued a new one, when not even 24 hours later, XX/XX/2021 they determined there was no fraud. I asked them to reopen the case and they asked for documentation I was not at the location of the charge so I provided a copy of my work time card, showing I was recorded at a different location. They replied it was not relevant, even though they requested the document. They are holding me responsible with no support.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED BANKSHARES, INC. (VA)

I am writing to report a concerning incident that occurred on Friday to me. Unfortunately, I have fallen victim to a gift card scam. The details of the incident are as follows : On Friday XXXX XXXX, I received a work email from an individual posing as our boss, who convinced me to purchase gift cards from XXXX XXXX worth {$600.00} for a reason to surprise the team for their hard work. Regrettably, I complied with their demands and provided them with the gift card details, only to realize later that it was a fraudulent scheme. 

As a result of this deception, I have suffered a financial loss and wish to formally report this incident for investigation and appropriate action. I have already notified my financial institution and XXXX customer about this scam. 

I contacted United Bank to initiate a dispute process, however, I have recently received a rejection letter regarding the matter. As this is my first encounter with a scam, I respectfully request your assistance in advocating for the bank to reimburse me. I am prepared to provide the necessary evidence, including the gift cards and purchase receipt, to support my claim.
Consumer complaint received 2022-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Medical Credit Corporation, Inc. (AZ)

XXXX sent my debt to a collection agency even though I was making payments on it. They never gave me written notice that the debt would be sent to collections. I received a letter on XX/XX/XXXX from Merchants and Medical Corporations , Inc. XXXX saying that they were a debt collector and I had a bill of XXXX. They also sent me another bill for XXXX. If I am making payments with them and they are on-time payments, how can they send this to collections? It has ruined my credit. 

My online account at XXXX has been removed and have no access to pay.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (CA)

-Problem with XXXX XXXX account -Error XXXX -Routing number has disappeared -Account number has disappeared -Deposits are not going through ( same day deposits advertised ) -Cash back rewards are unable to be redeemed XX/XX/XXXX - Contacted support, they said deposits would resume by Monday XX/XX/XXXX - XXXX support, they claimed the issue would be fixed within 24 hours
Consumer complaint received 2022-05-28
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Re : XXXX To Whom This May Concern, While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Financing Companies XX/XX/XXXX XXXX Companies - non specific XX/XX/XXXX XXXXXXXX XXXX ( Reseller ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report. This is a violation of XXXX XXXX XXXX Acts XXXX XXXX ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from my credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Unauthorized Crdit Inquiry To Whom This May Concern, I recently recieved a copy of my credit report. The Credit report showed a inquiry by your company that i do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit files unless i have authorized it. Please have this iquiry removed from my credit file immediately because it is making it very difficult for me to aquire credit. 


I have sent this letter certified mail because I need your prompt response to this issue within 30 days. 
Please be so kind to foward me documentation that you've had the unauthorized inquiry removed. 
If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please sed me proof of my signed signature of this, otherwise, please note that I am reserving the right to take civil action if neccessary. 

Thank You XXXX XXXX
Consumer complaint received 2024-04-02
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

On XX/XX/23 the Company filed a NOD on my property, and as of Today the NOD remains on my property. I have provided all documents requested from the Company and have not received a response.
Consumer complaint received 2023-02-17
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. (NC)

FTC Report Number : XXXX FTC Report Number : XXXX FTC Report Number : XXXX Defamation to my character and livelihood and I'm trying to purchase a home. 
15 U.S. Code 1681n
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (IA)

I was contacted about a debt I supposedly owed from the year 2009. I was threatened to be sued and have levys and leins but against my home/car/bank accounts and wages would be garnished and accounts would be frozen and damage to my credit report would be done for a period of 7 years. I was threatened with all of this if I did not make a payment by XXXX XXXX central standard time the following day ( less then a XXXX hr period ) If I did not make a payment by then, I would be served. They threatened to serve me at my place of employment as well. When I asked for an address to send a debt validation letter they would not provide me with an address and said they didn't have to. They sent me a pay agreement to my email which had an address listed. I looked up the address and called the XXXX XXXX XXXX in the town they provided and they said there is no such law firm by that name in the area.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Why is XXXX still on my credit? This account is expired. It does not matter that they transferred or sold it. The account has reached the 7 year period as of XXXX XXXX. I'm demanding per FCRA laws that it be removed immediately. If it is not I will save this complaint, your response and include all of my other paperwork to show it to a court, that it's expired and should be released immediately. See attached.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (FL)

I 've sent in certified letters for at least 4 months to get a frivolous statement or letter saying verified. By law it is required to investigate the consumers credit with authorization of the consumer and the credit bureau and creditor must have a signature of mine but theirs no documents shown that and the credit bureau and the creditor falsely agree to verify without and reliable documents. The information is inaccurate and false. I have been suffering a great deal of pain and I am truly XXXX XXXX that an error on my credit report has cost me a great deal of pain and suffering. A measly credit error has ruined my life and the next step is to file a civil suit with XXXX XXXX, XXXX XXXX XXXX and XXXX. Verbal verifications can not verify information or documents, without consent of the consumer their should n't be no verification. Both the creditor and credit bureau had broken several FCRA laws.