davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

In XX/XX/XXXX, we purchased a house in XXXX, Texas for {$230000.00}. Rocket Mortgage was the loan company. During the loan process, our Loan Officer was XXXX XXXX. At the time of the purchase, we still owned a home in XXXX, Texas. During the loan process, I expressed to XXXX XXXX many times that we were going to sell the XXXX XXXX and use the proceeds to pay down the XXXX XXXX so we wouldnt have to pay Mortgage Insurance. Mr. XXXX XXXX said thats great because with Rocket Mortgage you can not only get rid of your Mortgage Insurance but Rocket Mortgage will re-amortize your loan if you pay more than {$10000.00}. The XXXX house closed in late XXXX. 
On XX/XX/XXXX, the XXXX XXXX closed. I called Rocket Mortgage to begin the process of paying down the XXXX loan to get rid of the Mortgage Insurance and re-amortize the loan. I was told that with the type of loan I was given that is not possible to get rid of the Mortgage Insurance and that they will not re-amortize the loan. The person I was talking to said they would have someone call me. I asked to speak to my former loan officer, and I was told he no longer worked for Rocket Mortgage. Later that day I got a call from XXXX XXXX. Mr. XXXX told me that the type of loan that I was given I would not be able to have the Mortgage Insurance taken off and re-amortized. Mr. XXXX said that he would fix my problem for no cost to me since it was Rocket Mortgage mistake. I would have to wait ninety days and refinance. 
After ninety days I received call from XXXX XXXX, Mr. XXXX said that Mr. XXXX was on maternity leave. Mr. XXXX started the process of the loan, I received a statement from him saying that I would have to pay {$12000.00} in closing costs and a higher interest rate. I told him that XXXX XXXX told me that I did not have to pay any costs and that to be fair to me I shouldnt have to pay a higher interest rate because this was their mistake. XXXX XXXX then told me that he was not honoring XXXX XXXX email that I was to be given a loan at no cost. 
My intent the whole time during the loan process was to pay down the original loan to get rid of the Mortgage Insurance. The re-amortize of the loan was a bonus for me.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (ID)

Paypal MasterCard, issued by Synchrony has closed my card without any prior information. They delay payment processing which resulted in my monthly balance increase ( {$920.00}, on XX/XX/XXXX which I paid already ), dropping my credit score. Now they claim that they closed due to my current credit score.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC. (CA)

I filed a complaint against XXXX and you closed it based on their response. I dont accept this because they havent addressed the actual problem. Theyre trying to get away with not taking care of it. My loan is with XXXX and they have XXXX taking care of payments for them. XXXX is ultimately responsible for my problem. XXXX says theyre not responsible for my payments to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. My payments are not made to or by XXXX for my loan. They come directly out of my bank account. When someone reports you delinquent as theyve done through XXXX, it goes on your credit report. This then goes to all the companies, Credit Card, Credit Reporting Agencies etc. This is a general problem that has to do with my entire rating and image of me being a bad debtor and its a very serious problem for me. I reported this problem to the XXXX and XXXX didnt replay until I filed XXXX complaints. I just received their response and they say theyre looking into it and will get back to me. Now theyre saying theyre not responsible. Which one is it? Of course theyre responsible and I dont accept the fact that theyre making excuses to you to get out of their responsibility. Im asking you to pls. look into this and investigate because againthis is a very serious matter and theyve hurt me in a monumental way. Their response is so flippant and condescending. Theyre basically mocking me which hurts me even more. I would appreciate it if you can please ask them for any evidence that would prove theyre in the wrong, lying and trying to take responsibility. Thats whats happening and Im paying for it.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

Despite numerous previous written requests, the unverified accounts outlined below persist on my credit report, which is a violation of Federal Law. The three Credit Bureaus have neglected to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the stipulated timeframe, and they persist in reporting unverified information. Given my extensive efforts to resolve this issue directly with the creditors, their actions can be interpreted as deliberate negligence and a failure to adhere to federal regulations. These statuses have a detrimental impact on my credit report, and this damage could have been prevented if the bureaus had conducted thorough investigations before reporting derogatory information. CAINE WEINER XXXX
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-26
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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 a account without my written instructions
Consumer complaint received 2022-07-26
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  account # XXXX, XXXX, XXXX, 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 a account without my written instructions.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, 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 a account without my written instructions.
Consumer complaint received 2023-03-21
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)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 2022-07-26
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. (NE)

in accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2023-03-21
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX filed a report for a credit card inquiry for capital one that I did not apply for. Possible fraud, I reported to XXXX XXXX for a fraud alert on my name.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (DE)

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries : XXXX  Date of Inquiry XX/XX/2021
Consumer complaint received 2019-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I do not want my loan to be serviced by XXXX XXXX. I Have been a loyal Chase customer for 14 years. I have other account contingent on my home loan with Chase. Do Not switch my loan to XXXX XXXX.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX  a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to XXXX and Equifax : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by XXXX XXXX XXXX I am an XXXX XXXX XXXX XXXX and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to XXXX and Equifax multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX a charge for {$390.00} was made on my citibank card at XXXX XXXX. I did not notice the charge until I received my statement, at which time I called citibank and told them that the charge was not mine. I also went to XXXX XXXX and told them of the charge. I do shop at this store. However, if you look at the charges, you can see that I do not spend this kind of money at the store. I buy lunch there, and sometimes dinner. It is a specialty supermarket across the street from where I work. I spoke to the manager and she said that sometimes there is a glitch in the system and that the register does not clear the transaction properly. She said they only keep 7 or 14 days in the store, so she would be unable to investigate the transaction. The credit card company said they would take care of it. However, when I checked my statement on line I noticed that they did not dispute the transaction and I phoned them again. Today I received a letter in the mail stating that I was responsible for the charge ( THAT I DID NOT MAKE ) and that it was going to affect MY CREDIT REPORT. Now, I not only take exception to this I have a definite issue with it. I ALWAYS PAY MY BILLS. ALWAYS. CHECK. I DO NOT PAWN MY RESPONSIBILITIES OFF ON ANYONE ELSE AND I SURELY DO NOT WANT THEM PAWNING THEIR RESPONSIBILITIES OFF ON ME!
Consumer complaint received 2023-07-27
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. (NY)

My credit report is showing late payments to XXXX XXXX  XXXX. XXXX and XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please repair these accounts ASAP.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery has place a collection on my credit profiles claiming that I owe {$640.00} to XXXX XXXX XXXX. I've NEVER had a card with XXXX XXXX in my life.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KS)

At the beginning of the month I had my phone in my wallet taken out of my car and I disputed the charges on my card XXXX  days later when I finally found out what had occurred and chime will not replace the money they keep denying my claims I rebutted them XXXX times but because of that I don't have the same phone for them to verify that it's me I can't get into my email because I'm locked out of it and they won't change any of my stuff on the computer because they can't verify that it's me I've sent them documents after documents after documents that it is me tax papers birth certificate ID you name it I've done it probably XXXX times this month and I still can not get into my account nor has any of my money been replaced it was stolen by a man XXXX XXXX showed me the footage it's insane to me that these XXXX pardon my French won't fix it something needs to be done about these people.
Consumer complaint received 2022-07-26
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cedars Business Services, LLC (CA)

CEDARS BUSINESS SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX {$5500.00} Balance updated XX/XX/2021 The original creditor claims there is a balance due of {$5500.00}. This is not true. The debt which I do not owe has been sold to Cedars Business Services which makes claims they are going to sue me, and if I do not respond collect a lawsuit. The agent on the phone speaks like an attorney but is not. 

I have told them this is not my debt to please stop calling yet their tactics continue to get more aggressive. Please help me deal with these individuals and remove this from my credit report as it is negatively impacting my score and finances.
Consumer complaint received 2022-07-08
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXXXXXX Account Name : XXXX Account # : XXXX Account Name XXXX 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 a account without my written instructions