davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

Good evening, I appreciate any assistance that the CFPB can please provide me with my mortgage lender. My issue is not with being able to make payments, rather, it is with Rocket Mortgage ( aka quicken loans ), unwillingness to communicate or produce documentation that clearly states changes to my account. In addition, they have refused to allow me to make applicable changes to my mortgage as I deem necessary. 

I closed on my condo in XX/XX/XXXX and throughout the entire process, rocket mortgage actively misrepresented my mortgage terms and deceived me about the activity on my account. As a result of their predatory business practices, deception, and misrepresentation, they had failed to pay my XXXX policy as previously agreed and stated that it was a " filing error { sic }. '' I have since removed this responsibility from them as it was optional. The application process presented an option to allow Rocket to submit this payment on my behalf. As a result, the original terms of my mortgage were falsified to account for bad data ( included XXXX payments that Rocket deliberately and intentionally failed to pay. 

When I inquired to rocket in XX/XX/XXXX, they finally admitted the " filing error '' and could not provide any reassurance that such errors would be presented in the future. Instead, I have received more deception. 

Within the past 90 days ( it is now XX/XX/XXXX ), I have still received no such credible acknowledgement or response to my inquiries. 

I had spoken with XXXX XXXX, XXXX XXXX, and two other " XXXX '' who refused to provide their last names. Neither employee would provide any other identifiable employee number to be used for external verification. 

These individuals have straight out deceived me to my face claiming to be managers, however, their titles are " Executive Servicing Resolution Specialist, '' which, after research, I have verified are 'customer support roles. ' When I was on the phone with deceptive manager XXXX XXXX XXXX ), they spoke down to me in a demeaning, harassive, and aggressively bullying manner. 

This issue has escalated to the point where I can no longer have a civil conversation with my mortgage lender and I can no longer even attempt to communicate with them. 

I required immediate assistance to speak with a professional member of management. 

At this point, I feel very physically threatened by the aforementioned individuals. I feel that my very life and livelihood is in imminent danger. I have been victimized by my mortgage lender for 9 months and this is completely unacceptable to me. This is harassment. 

Please reach out to me if you need any more information. 

I really appreciate any help that you can provide. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA allowed someone using my name to open and use a credit card. The identity thief used the credit card to charge $ XXXX for airplane tickets in the XXXX XXXX. USAA, with which I insure cars, ( a ) on XXXX XX/XX/2022, denied the credit card, and ( b ) on XXXX XXXX XXXX, debited my XXXX  checking account in the amount of $ XXXX. XXXX did not recognize and allowed this unusual debit and did not notify me that it had occurred. When 'd I discovered it, I immediately notified both XXXX and USAA of this error, and I've diligently tried to get both XXXX and USAA to cooperate with me in securing the return of the erroneously debited $ XXXX. Both XXXX and USAA have practiced avoidance and neglect in regard to the correction of this error within the XXXX  system. USAA in particular has supplied XXXX  with incorrect and misleading information so as to get XXXX to deny and close my XXXX  Dispute. Neither XXXX nor USAA have practiced customer service ; both companies have taken advantage of me ; both companies use the pandemic as an excuse.
Consumer complaint received 2022-01-26
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. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-12-01
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)

XXXX XXXXXXXX XXXX  Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXXXXXX XXXX XXXXXXXX Account Number XXXX. 
BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX XXXX Accouint Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX  XXXX Account Number XXXX Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX Account XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. 

XXXX XXXX XXXX  Account XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX Account XXXX Balance {$1700.00} Date XXXX XXXX  Account Number XXXX Balance {$3500.00} DAte XXXX
Consumer complaint received 2022-12-01
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. (GA)

Hard Inquiries:
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

Reason:
Fraudulent credit applications filed by someone else
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported XXXX student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, XXXX and Transunion with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX XXXX as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Subject : Formal Complaint Regarding Fraudulent Transactions and Unsatisfactory Customer Service Dear HSBC, I trust this letter finds you well. I am writing to formally express my profound concern regarding fraudulent activities that have transpired within my HSBC account, coupled with the inadequate level of customer service experienced throughout the resolution process. 

Between XX/XX/XXXX and XX/XX/XXXX, my account was subjected to fraudulent transactions. Upon reporting the matter to HSBC, I received a partial refund covering the period from XXXX to XXXX. However, it has come to my attention that HSBC 's established policy mandates the inclusion of transactions from both XXXX and XXXX statements in the reimbursement process. 

Despite providing clear documentation elucidating the company 's policy concerning fraud cases, the response from your esteemed customer support team has been less than satisfactory. My repeated attempts to engage via email and direct phone calls have yielded no substantive resolution. Furthermore, my attempt to escalate the matter by lodging a complaint through the Consumer Financial Protection Bureau ( CFPB ) resulted in the premature closure of the ticket without affording me adequate redress. 

For your reference, attached is the full document containing the company policy forwarded to me by your esteemed customer support team. It unequivocally delineates HSBC 's obligation to refund transactions from both the XX/XX/XXXX and XX/XX/XXXX statements. 

However, the reimbursement received only covers the period up to XXXX. The cumulative loss incurred due to this discrepancy amounts to a substantial sum, with fraudulent transactions totaling around {$350.00} from XXXX to XXXX around {$1200.00} from XXXX to XXXX, resulting in a total loss exceeding {$900.00}. 

I wish to underscore my fervent expectation for HSBC to strictly adhere to its stated policies, thereby ensuring the fair and equitable treatment of its valued customers. The persistent closure of complaints and apparent disregard for established procedures by your esteemed customer support team are deeply disconcerting and reflect unfavorably upon the institution 's commitment to customer satisfaction. 

In light of the foregoing, I humbly request your urgent intervention to rectify this matter and expedite the prompt refund of the outstanding amount in accordance with HSBC 's policy. Your immediate attention to this pressing issue would be immensely appreciated, as it is imperative to restore confidence in HSBC 's integrity and unwavering dedication to its esteemed clientele. 

Thank you for your attentiveness to this matter. I eagerly anticipate your prompt response and swift resolution. 

Yours sincerely, XXXX
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (CT)

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

BMW FINANCIAL SERVICES XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;
Consumer complaint received 2022-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Ive noticed that its inquiries on my credit profile that shouldnt belong and I would like them remove immediately ( XXXX XXXX XXXX, Cap1/Saks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Evaluate these accounts reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why there are {$8100.00} and {$15000.00} balance indicating if them are charge off account. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8100.00} ;
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is regarding potential fraud by two credit reporting agencies, TransUnion and XXXX. 

In applying for a new mortgage it came to my attention that credit reporting agencies are providing one FICO score to me as the consumer and a different, lower score, to the Mortgage Lender. 

TransUnion provided a FICO score of XXXX to my XXXX XXXX  XXXX XXXX XXXX account on XX/XX/2020, and a FICO score of XXXX to XXXX XXXX mortgage on the same day. 

XXXX  provided a FICO score of XXXX to my XXXX XXXX account on XX/XX/2020, yet it provided a FICO score of XXXX to a different part of XXXX XXXX ( processing my mortgage application ) on XX/XX/2020. 

It appears that these two credit reporting agency has one FICO score that is available to the consumer and a lower FICO score to creditors.
Consumer complaint received 2020-02-11
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: Resurgent Capital Services L.P. (TX)

LVNV Funding, LLC Recently put an account that was removed from my credit due to false information and fraud. When I started applying for credit to buy a house they popped back up there again, without me receiving any notice or information regarding an account that they posted to my credit.
Consumer complaint received 2021-12-01
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: Nelnet, Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (LA)

On XXXX/XXXX/2015 I recieved a responsive from Experian stating that if I do n't provide more information they would discontinue their investigation on a dispute I filed. I called XXXX XXXX today and they said my vehicle was paid on time with no lean or repossessions. They could have found that out also. It took XXXX minutes. XXXX is sending me this in writing within a week, something Experian could have done. Also XXXX dispute was removed from XXXX. I do not want a company to represent me if I am not worth the effort. I am going to contact the FTC and BBB and possibly a lawsuit.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (MI)

I was sent what looks like a VISA Debit Card from Cash App, which I did not apply for. I have never used Cash App. The included card is potentially very convincing, with my name, an account number, CVV, and expiration date. The insert the card was attached to contains no information that would always be included with a new account, such as interest rates, terms of service, etc. The return address on the envelope is a XXXX XXXX XXXX XXXX XXXX, which is not the address listed on Cash App 's website. A check with the credit bureau shows now such account opened in my name. My name is also spelled slightly wrong on the card. I suspect a phishing scam would begin if I scanned the included QR code or called XXXX, the phone number printed on the card. 

To be clear, I don't believe Cash App is itself involved if this is a scam. If it turns out they are behind this, XXXX XXXX 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I financed this vehicle I believe in XXXX and on the report it shows that I refinanced this in XXXX. Also, I voluntarily gave up the vehicle to them because I became ill with XXXX and could not keep up with the payments and it states that it was involuntary repossession. I know they sold the vehicle and it says on my credit report the wrong balance. It should be lower than what it is. Its still reporting higher than it should be. Also, Ive been trying to get this removed from my credit for false Information because its holding me back from purchasing my home. Ive gotten it removed from XXXX, but the others will not remove it. I got a letter from them years ago, but it was from the law firm theyve sent it to requesting the money. Ive sent them my information and hospital information to show proof that I was sick at the time. I have not received anything else from them about this vehicle or a settlement or anything. Thank you for taking out the time to read my complaint.
Consumer complaint received 2017-08-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.
Consumer complaint received 2017-08-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (OR)

I was contacted in XXXX by XXXX XXXX from the offices of XXXX XXXX  XXXX to collect on a debt for a bank account that they stated I owned. I got the account number of XXXX from them which presumably was a USBANK checking account. I sent them letters from XXXX XXXX XXXX and XXXX XXXX  XXXX that showed I satisfied my debts with USBANK. The issue arose when the letters showed account numbers that did not belong to me. I then called USBANK to have them validate whether I owned the accounts or not. They said that the account number provided to me by them was not or never was owned by me. The account numbers on the letters that I had did associate to my accounts though. Those were both satisfied. I then spoke with XXXX XXXX and argued numerous times with her about the debt. When I requested that they validate the debt, she informed me that they were not going to do that and the file would be closed. 
Today, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX XXXX, XXXX and spoke with XXXX XXXX. He was trying to collect on this same debt that XXXX XXXX  XXXX were trying to collect on. I went through the whole process again and contacted USBANK again, to only find out that this account number they are collecting on still is not and never has been owned by me. When I requested that the debt be validated, XXXX then told me that they were not gon na waste the time doing that and all they wanted to do was collect the money. He then told me that the file would be closed. I asked him what I need to do to get this situation resolved and he told me that I would need to prove the debt is not mine. I am unsure how to prove something is not mine when I don't own it and their is no documentation showing that it is mine ... I know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is just going to resell this debt to someone else and I am going to have to go through all of this again. 
Please help me get this resolved as I do not know how to prove that I do not own something. I can prove the accounts that I did own with USBANK though. Thank you for your help resolving this matter. 

XXXX