davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MA)

I am disputing a fee on my credit card dated XX/XX/XXXX in the amount of {$500.00} by the merchant QuickenLoans/RocketMortgage. This charge represents a good faith deposit for a mortgage application. The loan number is : XXXX. 
Quicken Loans knew or should have known that my loan application would never be approved. Therefore, it never should have proceeded and I would not have in good faith agreed to the initial {$500.00} charge. RocketMortgages/QuickenLoans action constitute deceptive trade practices and I am entitled to a full refund. 
My profession is a XXXX XXXX XXXX I currently own 7 properties. I have applied for mortgages to purchase properties and mortgages to refinance properties numerous times in my 25 year career. I am very well versed in the process. 
I applied with RocketMortgages /Quicken Loans to refinance an existing mortgage. I completed the online application forms and I spoke at length with XXXX XXXX XXXX ( XXXX XXXX ) at RocketMortgages. 
I informed XXXX that I was a XXXX XXXX XXXX, that much of my income is derived from rental properties and that several of my rental properties were short-term rentals ( i.e. AirBnB, VRBO, etc. ). He assured me that this would not be an issue. I discussed this in great detail with him because I know from past experience that every lender treats rental income and self-employment income differently. Again, I was assured by XXXX that this would not be a problem. 
Having received those assurances from XXXX, I agreed to the good faith deposit of {$500.00} and to proceed with the application process. However, it is clear that RocketMortgages/QuickenLoans did not proceed in good faith. They knew or they should have known that they would not be able to approve my loan because of my self-employment and investment income. 
Subsequently, my loan application was denied because Debt to Income : Self Employed Income not supported. ( see attached letter from QuickenLoans dated XX/XX/XXXX ). 
It is my position that RocketMortgages/QuickenLoans knew or should have known that my loan application would not be approved because of my income source. Their actions constitute deceptive trade practices. They never should have proceeded and I would not have in good faith agreed to the initial {$500.00} charge. Therefore, I am due a refund of the {$500.00} fee.
Consumer complaint received 2022-03-31
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. (PA)

n accordance with the Fair Credit Reporting act 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 2018-06-07
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: DISCOVER BANK (CA)

i am seeking assistance from CFPB regarding my CrediXXXX that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} Discover - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (LA)

American Honda Finance is reporting inaccurate information about the payment history associated with this account on all 3 credit bureaus. The information is inaccurate for the years of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on all 3 bureaus. This company is in violation of FCRA 623aB in that information must be reported to all bureaus accurately. Clearly they have violated this FCRA623aB. Attached are the inaccurate information reported to each bureau and also a letter that states that this information must be removed due to violation of FCRA623aB.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

Coinbase uses a XXXX method utilizing a, what I now know, is a fairly unsecured method of " texting. '' I was hacked on XX/XX/22 by this due to a sim swap method and over {$1200.00} of crypto was converted and sent to an unknown account without my authorization. An additional {$400.00} was withdrawn from my bank account to cover more transactions. Coinbase has no other system in place to hold or verify suspicious transactions or activity for a problem that has happened to thousands of other customers. I have also been told that there is no way to recover these funds.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (MI)

This account was openedXXXX. The amount was XXXX with rmp lol. I have called and also disputed these actions. This was opened due to a car accident. I had insurance to cover me through try care and XXXX XXXX XXXX. They refuse to send the bill to the right entity 's and repeatedly told me that it's to late to do that. And that it's now my responsibility.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated XXXX rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-31
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)

n accordance with the Fair Credit Reporting act 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 2018-06-07
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: JPMORGAN CHASE & CO. (CA)

i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} Chase - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recover, LLC (MD)

XXXX XXXX XXXX ( XXXX ) and Rent Recover LLC are liars and crooks. They are trying to collect an invalid debt from me and will not remove it from my credit reports/rental history reports, which affects my ability to obtain housing and/or a government job. 
I vacated this property in XX/XX/2016, and am getting charges from XX/XX/2016, when I wasn't even living in the state of Georgia at that time! They are money hungry liars, probably just vindictive that they had to pay ME. 
I have notified both companies several times via phone calls and in writing, to no avail. XXXX ignores my phone calls and does not respond to my voicemails or emails. Rent Recover LLC has been very rude to me : hanging up when I tried to explain their error, calling me names and using profanity. Also, Rent Recover LLC has not responded to my emails either. 
I moved away from the slumlord property, XXXX XXXX XXXX, due to health violations that the landlord failed to alleviate. Yes, this is documented from the GA State Health Department. I withheld rent in order to gain my landlord 's attention. We settled out of court, I signed a Consent Order, along with my attorney and XXXX XXXX, the landlord 's attorney. The order stated that this will not affect my credit as an eviction and that no monies would be owed. I thought it was over until I got denied for housing. I am livid. I don't owe these people and will not pay these people. If this matter is not rectified immediately, I am suing both companies. XXXX, for breach of contract and Rent Recover , LLC for credit reporting violations.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

Most Wells Fargo credit card users also have a checking account with the bank. When they make payment from their personal checking account by transferring to their credit card, the fund is deducted from their checking account right away but doesn't post on the credit card right away. It can take up to 5 days to show payment on the credit card. This is done in purpose to charge interest on the credit card while holding the fund in the bank 's account for cash-flow. This should be illegal and unethical holding customer payment while charging interest for what is already paid. This has been happening for a very long time and hopefully there is a way to stop it. 
This happens only on personal credit cards, for business credit cards they actually process it right away because they know business owners understand cash-flow and interest charge.
Consumer complaint received 2021-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

IC Systems Inc. Put a collection on my credit statement for {$280.00} that is not mine.Called them on XX/XX/21 .They said they could not help me it is my problem to fix there mistake have to send letters to all 3 credit reporting agencies .Bad business practice. wrong XXXX XXXX!!!
Consumer complaint received 2018-06-07
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. (AZ)

I am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Over several YEARS, I have contacted both banks to have this transfer of funds cancelled. Fifth Third says it is not initiated by them and XXXX XXXX says it's not initiated by them so neither can cancel it. I believe it is Fifth Third that I had it set up with many years ago via a bill pay representative of Fifth Third 's. I have sent emails with statement uploads to both banks with no resolution. I have escalated my phone inquires with both banks- still no resolution. I just want to stop this transfer seems simple but as I said I have tried my best over the years to no avail. 
I hope you can get this resolved for me. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

Good Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX  and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXX CREDIT/XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to XXXX XXXX XXXX XXXX they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I took a personal loan of XXXX out through XXXX XXXX XXXX XXXX in the fall of XX/XX/XXXX. I became delinquent on the remaining balance of XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sued me and won a judgement in absentia and garnished my wages beyond the amount and fees owed. I disputed the validity of the debt in XX/XX/XXXX in XXXX County court where the garnishment was filed. I settled with XXXX, via a consent order, wherein, they would reimburse half of the garnishment, and I'd make payment arrangements to settle the balance. I have not had my funds returned. My attempts to contact XXXX XXXX, who represents XXXX in the case, have gone unanswered. Furthermore, XXXX XXXX has been paid in excess of the original balance owed, yet the company continues to maintain a lien on my property and is reporting to the credit agencies that I am delinquent and owe the full original balance despite the company being paid in full XX/XX/XXXX through an unlawful garnishment of my pay check.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

XXXX reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my letters
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my letters
Consumer complaint received 2021-07-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP (CA)

I leased a new Acura from Acura Financial Services in XX/XX/2020. Yesterday, Honda ( Acura ) suddenly changed the rules of the lease preventing me to sell my car to any car dealer of my choice. They say I can only sell it to a Honda dealer. Since independent dealer pay more than Honda 's owned dealerships people like myself who need to sell their cars usually sell it to independent dealers. Due to pandemic there is a high demand for used cars and Honda is trying to make more profit by restricting a lessee 's options. It was a well stablished rule in auto leasing contracts, written or not, that a lessee can end his/her lease at anytime by paying the Honda ( Acura ) Financial Services the amount as specified in the contract. However, since in a lease the lessee does not own the car therefore Honda has to release the title to the buyer. Honda is abusing this technicality to take advantage of a pandemic influenced market to buy back cars at a cheaper price and make money out of it. They claim they have the right to choose the buyer of my car. 
XXXX also recently announced a similar abusive policy.
Consumer complaint received 2018-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I received a " second notice '' letter dated XX/XX/XXXX from Phoenix Financial Services LLC Registered as XXXX  XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but Phoenix can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. Phoenix reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc. 
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently contacted Transuion to request that they remove thr dispute information off my credit file. Instead of removing the dispute information, the representative reported two accounts as charged off when actually the accounts are paid in full and closed. The accounts are XXXX XXXX XXXX XXXX XXXX. These accounts are paid in full... the documents were sent to them that showed they were paid in full and they had updated them accordingly. This representative that I spoke with recently changed them back to charged off instead of deleting the dispute statements as I requested.