davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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. (NY)

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to XXXX and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

As of XX/XX/2019, 5/3rd bank has eliminated my access to online access and thus my access to paying my bills. There is no way for me to easily contact the company as they refuse to provide any type of online contact ( phone calls are difficult for me for medical reasons ). I believe this is a concerted effort to make it impossible for me to log on so the company can charge me late fees.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CO)

I got a mortgage loan through Quicken loans. I started this process on XXXX/XXXX/XXXX. My closing date was on XXXX/XXXX/XXXX. The original closing date was supposed to be on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I learned that the loan was changing from a " second home '' loan to an investment property, resulting in a higher interest rate and loan fees. My original loan officer never shared this with me that there could be some concern about this new home purchase. In discussing this issue with my broker, she indicated that the actions of Quicken Loans were deceptive and perhaps fraudulent.
Consumer complaint received 2017-12-28
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. (LA)

I sent letters to all 2 credit bureaus telling them their was fraudulent accounts on my credit report I did n't know how they was there they did n't belong to me ..I also told them accounts was reporting wrong and inaccurate information such as open dates, wrong payment amounts and etc ..The 3 bureaus did nothing about it but sent me back a updated copy of my credit profile without investigation..I have pics to show the inaccurate information my Same accounts on credit reposts have different balances, open dates and etc .According to the FCRA all information should be truthful and correct and these bureaus are breaking the law destroying consumers report and nothing is being done about this ...
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WI)

I have reached out to XXXX XXXX for my Walmart Master Card account on  numerous occasions in the last few months. I have been a customer of theirs since 2013, and this XX/XX/XXXX experienced a severe amount of bank and identity fraud while my husband was hospitalized. A nurse on the unit had stolen his wallet and used his information and identity to open accounts, as well as access our checking account.

On XX/XX/XXXX my husband XXXX XXXX. It was not until after his XXXX that I was made aware of the fraud that had taken place, and was not in a position to handle it at that moment. However, I maintained contact with XXXX XXXX/Walmart attempting to make payments. Due to the fraud, our bank ended up returning 2 payments that I attempted to make. I reached out to customer service to explain the issue and was told to make payment in the store. I attempted to and was told payments were not being accepted ( holiday weekend ). At this point my only other option was to open a new checking account, transfer funds to it, wait for the funds to become available, and then make the payment again. Again, during this time I stayed in full contact with customer service to explain what steps I was taking and was assured no adverse action would be taken. I made a payment to my account at that time, for much more than the minimum required, and came to find that they had already closed the account.

At this time I reached out to customer service again, and was told by a supervisor to fax proof of the fraud and they would reopen the account. I was told today that this was not even possibility and I was essentially lied to. I need help.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has been charging my savings accounts a monthly maintenance fee even after meeting requirement as stipulated to me ( i.e. maintaining a direct deposits from my checking to savings account each month ). Spoke with the agent, she say the rules have changes now - but Bank of America never informed me about changes and agent also confirmed that I was not sent a notification. I would request these fees to be reimbursed to me and close my savings accounts. The agent was unable to process refunds due to her access limitations.
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I am having an issue with Lakeview Loan Services LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Loan Number XXXX XXXX XXXXXXXX The aforementioned has been giving me a difficult time removing the Monthly Premium ( PMI ) I am being charge. 

Per form HUD-92900-B it basically states that after 5 years, providing you paid and upfront insurance premium ( I did ) and your loan to value reaches 78 percent of initial sales price or APPRAISED Value of your home, which ever was lower, should allow me to request the removal of the monthly insurance premium. 

In XXXX of XXXX I was told by a representative of XXXX XXXX that I had to use one of  their appraisers. I was also told to send in a written request for removal of PMI which I have in my sent file. I have since made multiple request for a list of their Appraisers. 

Now XXXX XXXX whom now handles the servicing on the loan has stated to me that because I have FHA it has to be 78 % loan to value only through normal payments, and that I can not get the property appraised to remove PMI. Each call there is something new. I was told ( by XXXX XXXX )  that I closed on the house in XXXX of XXXX as it relates to refinancing. so from my research that should not be a problem as it was before XX/XX/XXXX. If it was after that date due to regulation changes I may have had problems. I have never been more than 30 days late. I sent a request to remove PMI on XX/XX/XXXX no response.
Consumer complaint received 2019-03-05
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. (VA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (TX)

The company in question stated that at the moment of final payment a certain amount was owed that I was not aware of. I received a late payment mark on my credit report. When I tried to resolve the issue by paying in full I requested for them to remove the late payment mark on my credit as well. The response I received from the company was that it was out of their department. I could still pay the payment and the company was willing to accept payment however they would not remove the late payment. At this point in time, the account has been paid in full but I still have late payment marks on my credit report.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (WV)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX/ # XXXX XXXX. XXXX XXXX XXXX card # XXXX XXXX. XXXX Bank # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX 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. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy I would also like all addresses and employment removed with the exception of XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
JPMCB - CARD SERVICE ***** Opened XXXX XXXX, XXXX Balance {$530.00}
Consumer complaint received 2017-12-28
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. (MD)

On XXXX ( Transunion ), XXXX ( XXXX ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX credit card as they are reporting it on my credit report. They each deemed the account verified. On XXXX I sent a validation letter to XXXX XXXX XXXX credit card with my name, date of birth, social security number and the account number that is on my credit report. On XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called XXXX and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (FL)

hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to experian asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me and my family
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (MA)

CMRE Financial Services , INC, acting on behalf of XXXX XXXX XXXX XXXX, XXXX, Texas, reported to my credit agency that I had not paid a medical bill ( {$1200.00} ). The adverse report decimated my credit score and I will very likely be unable to purchase the house I was intending to buy this year. Also, I am currently going through a routine background investigation for work with the federal government that will now include a massive drop in financial score and delinquent account. 

The doctor billed the wrong insurance company. The office billed the VA rather than XXXX. I was not notified nor did I have the opportunity to resolve this prior to the debt collector taking action against me. 

My life has been ruined by a measly medical bill not being billed correctly by XXXX XXXX and not researched by CMRE.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NC)

Received bonus coupon code from Chase- if you open saving and checking account, put {$15000.00} and set up direct deposit you'll receive {$900.00} bonus in XXXX  days. I did everything step by step online ( including coupon code ) in XXXX, 2023. Didn't get any bonus. Call the bank and they said my coupon was never applied ( which is not truth ). Bank also said they can not do anything by the phone and suggest me to go to the branch and try to fix the problem there. But there is no guarantee and nearest branch is XXXX hours away from me.
Consumer complaint received 2019-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage ( Loan # XXXX ) has not followed the rules clearly outlined for mortgage servicers by the CPFB under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and is therefore in violation by not identifying and communicating with " successors in interest '' since the demise of the original borrowers. As requested by telephone discussion with Freedom Mortgage on XX/XX/XXXX, court documents and death certificates were submitted ( emailed ) to them confirming the death of the original Borrowers with property being willed to their daughter who also resides at the residence. Freedom Mortgage sent confirmation of receipt of those documents. Despite numerous documented directives and communications since, Freedom Mortgage has not contacted or communicated to the heir and has rendered further harm to the " successors in interest '' by postponing required actions, not communicating loan information, unilaterally paying erroneous taxes assessed on the property without consulting the " successors in interest '' and has now tendered a notice of default with intent to initiate the foreclosure process.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621
. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DPT EDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (WA)

My mother has an account with Robinhood financial ; she passed away XX/XX/XXXX. I reached out to Robinhood and sent all required documents following their estate instructions and until this day ( XX/XX/XXXX ) noone has reached out to me to dissolve her assets. Robinhood closed and deactivated her account without any notifications and will not respond to any of my emails. Below is the timeline of my communication via email as that is the only way to reach them. 

XX/XX/XXXX : Sent initial email with all documents and information to Robinhood estate department. 
XX/XX/XXXX : An email was received from XXXXRobinhood acknowledging the required documentation has been received, including a case number. 
XX/XX/XXXX : I emailed estate dept asking for a status update. 
XX/XX/XXXX : Received email from XXXXRobinhood apologizing for delay and asked to be patient and give them another 2-4 weeks. 
XX/XX/XXXX : I responded and asked for more information if anyone is reviewing my case XX/XX/XXXX : Received a response from XXXXRobinhood saying my case is currently under review. 
XX/XX/XXXX : I reached out to Robinhood asking for an update. 
XX/XX/XXXX : XXXXRobinhood responded apologizing for delay and asking for another 1-2 weeks. 
XXXX XXXX : I reached out to Robinhood asking for an update. 
XX/XX/XXXX : Robinhood apologizing for delay. They asked me to send convenient days and time for them to reach out via phone call. 
XX/XX/XXXX : I responded with my availability, which was any day and time XX/XX/XXXX : XXXXRobinhood thanked me for the info and said someone will reach out to discuss the account XX/XX/XXXX : I emailed asking when I should expect the call XX/XX/XXXX : XXXX responded with someone will reach out via email before they call and case has been escalated XX/XX/XXXX : I emailed and said I have not received an email or phone call XXXX XXXX : XXXX apologized for delay and repeated someone will reach out via email before phone call XX/XX/XXXX : I emailed expressing my frustration XX/XX/XXXX : XXXX apologized for delay, asking for patience XX/XX/XXXX : I emailed saying I'm still waiting for a phone call XX/XX/XXXX : I emailed again telling them I haven't heard from anyone XX/XX/XXXX : I emailed asking for a status update Today, XX/XX/XXXX I haven't heard from Robinhood.
Consumer complaint received 2022-04-25
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. (SC)

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( Only reported to XXXX & Equifax ) I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section XXXX of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.