davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (CA)

Quicken loans / Rocket mortgage did two hard pulls on my credit without authorization. These inquiries showed up on my monitoring without providing consent for Quicken to do a hard pull in either instance. I am currently shopping for mortgages and all other providers did a soft pull and got explicit consent prior to running a hard pull. Quicken did two different hard pulls neither requesting consent or warning of the pull in advance.
Consumer complaint received 2017-06-27
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 — Was not notified of investigation status or results
Company: BROKER SOLUTIONS, INC. (AZ)

I was laid off from work inXX/XX/XXXX-XX/XX/XXXX and I reached out to XXXX XXXX XXXX for 1 time assistance. I had never had 1 late payment for 2 years and I asked if I could have help one time since I had been paying on time for 2 years +. They transferred me to their specialized payment plan team who advised me in order to 'help ' me I MUST go 30 days without payment and take a credit hit for them to allow me to pay my past due payment in 3 installments. I offered to make 1/2 a payment and a payment in a 1/2 the following month to avoid the credit hit. They declined and said 'No, you have to be late '. I feel this practice is unethical for their customers. I attempted to log in and make 1/2 a payment and the system would not allow me to. It required me to only make a double payment. I sent in a Secure Message stating I was upset with this and that they are MAKING their customer go past due and now allow them to make any sort of payment and by them requiring to go past due. I feel bullied and because of this and not allowing me to make payment it forced me to go over 30 days past due and they reported me late on my credit. I sent in a Secure Message filing a formal complaint, asked for a call ( attached ) and I left a message and never had a call back. They said they sent me a letter but I never received it. The only reason I know about their horrible practice of not allowing their customers to make even 1/2 payment, or 1 payment when 2 payments are due is because they reported me to 30 days late to the t agencies. They gave me no choice but to be late! Their system would not allow me to make payments as I could and they required me to be late to even help me even though I called them proactively to set up a payment plan to pay them!
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (PA)

I am reporting this again for the third time I believe. This is a very important issue for me and I need help resolving it. I have been working on a lot and I am not able to get any answers from the other party. I have not received a dollar yet from the company involved and I dont know if they are not able to get a hold of me or if they are avoiding me all together. I also went ahead, not thinking very much and made other created other accounts, thinking somehow that that that might make sense. I think it only made things more confusing and complicated. Ive tried to gain access to those accounts to consolidate the balance of them to prevent such confusion only to be completely ignored and denied access. They say its for my own security purposes whatever that means. Ive attached some documents thatll substantiate my concerns and Im hoping that you can get some answers from them for me.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed 3 fraudulent transactions charged on our BOA credit card on XX/XX/XXXX & XX/XX/XXXX. I notified BOA right away, and closed the credit card. My wife filed the police report right away. When we talked to the BOA fraud department, they said that they mailed out duplicate copies of the credit cards ( without our permission and without notify me ) on the week of XX/XX/XXXX. Our family happened to be out of town that week, so we put the mails on hold. According to the BOA record, the mails with the duplicated credit cards was delivered on XX/XX/XXXX, the date that the mails were on hold at our local USPS. I never receive those duplicated credit cards when we come back. This is the evidence that the local USPS lost this particular mail. 
I file the fraud claims, and the claim was declined. I re-appealed and asked for re-evaluation and faxed in the police report. BOA still declined my fraud claim, and refused to give me back the credits for those fraudulent charges. I asked BOA to provide evidence of the merchant receipt of those charges to show the signature. BOA can't provide the proof. BOA stated the reason is that I have made purchases with the same merchants ( XXXX ) before ; therefore, those are not fraud charges. This reason is totally unacceptable.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX, XXXX, I opened an account with Bank of America in there XXXX Georgia branch. The Banker and I sat and I explained to him what type of account I wanted to open ( originally the XXXX  account ). The Banker had to enter in my information twice as there were two profiles in Bank of America system. After merging both old and new profile, the Banker then ran the risk assessment and Bank of America system approved me for a regular checking account. At this time, I made a cash deposit and was given all my documents. On Monday XXXX XXXX, XXXX, I made two mobile deposit of checks I received. As of then and as of the morning of XXXX XXXX, XXXX my account was open and fine. On Tuesday XXXX XXXX, XXXX, I went to use my temporary card at a gas station and was declined use. I had to wait till XXXX to talk to a Banker, who transferred me to the Risk Department ; she informed me that Bank of America was closing my account because another institution had made a report to them. I explained to the Risk Dept Rep that I went through the Banks Risk management and was cleared so I do not understand why my account was being closed. She then transferred me to an automated system ( after I asked to speak to someone who could tell me who the other Banking institution was ). This automated system would n't allow me to speak to anyone. Do to Bank of America 's Risk assessment system and the lack of proper business professionalism I suffered humiliation but having my card declined and not being able to pay for my purchase. Bank of America should have never opened the account, accepted my deposit or allowed a full day to go by without any notification that my account was in jeopardy of being closed.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

On numerous occasions I have call to resolve any issues with taxes or Insurance increases on my account. I have spoken with many representatives, all giving me the wrong information and telling me the issues has been resolved, only to receive a reversal on the fees they took off my account. All of which I would have paid if told or given the correct information. I get a huge bill for late fees fir over a year! 
No one every communicated correct information about my account or late fee occurring. If I had know I would have paid them. Only to find out my payments were sitting in my Escrow account allowing large late fees to continue to increase. I think this is taking advantage of the comsumer only to benefit them.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Dear Consumer Finance Protection Bureau, I am writing to report that it appears Capital One has presented a false appearance of resolving this issue to the CFPB. Once the CFPB case was closed, Capital One reversed all corrective actions it had made after acknowledging and implementing the resolution.

Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law.

On XX/XX/XXXX I received a letter from Capital One ( See attached Exhibit 1 ). Capital One stated that the charges would be removed and their apology for my inconvenience, which was done.

On XX/XX/XXXX, the CFPB case was closed.

OnXX/XX/XXXX & XX/XX/XXXX the Capital One resolution actions were reversed.

On XX/XX/XXXX, a certified letter ( See attached Exhibit 2 ) was sent to Capital One and received on XX/XX/XXXX explaining that Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law. I have received no response.

Capital One, through their agents was party to the fraud perpetrated against me. Acknowledging this is not the typical fraud case and the types of fraud is growing at an alarming rate, Capital One should have alerted me of this possibility and should re-implement the corrective actions by removing the fraudulent charges and associated interest and fees.

Thank you in advance for your prompt assistance in getting this issue resolved.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am extremely frustrated to see that there are several accounts on my credit profile that have been fraudulently reported. These accounts do not belong to me and I have made multiple attempts to notify your company to remove them. However, despite my efforts, these accounts are still appearing on my credit profile. This is unacceptable and if these accounts are not removed immediately, I will have no choice but to take legal action against your company. The attached document serves as proof of the fraudulent nature of these accounts. I demand that you remove them from my credit profile without any further delay. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Municipal Collections of America Inc. (OH)

The XXXXXXXX XXXX XXXXXXXX XXXX in Ohio has been operating a Speed Camera system. In XX/XX/XXXX, the camera system identified I was allegedly speeding through the XXXX. I was fined {$95.00} and was due to pay this fine by XX/XX/XXXX. I paid the fine by check ( copy of check and original fine notice attached ) on XX/XX/XXXX. I then received a second notice saying I now owe {$180.00} for the same violation. I finally reached someone who could speak with me about the situation and I was able to show that I had in fact paid the original notice. My contact was with a contact at a company called XXXX XXXX XXXX. XXXX XXXX XXXX apparently collects payments on behalf of the XXXX XXXX XXXXXXXX XXXX. Attached is email communication from XXXX XXXX XXXX confirming I paid my debt and the issue is resolved. The date is XX/XX/XXXX.
On XX/XX/XXXX, I received a third collection notice now from a company called Municipal Collections of America , Inc . They claim I owe {$240.00} for the same alleged violation in XX/XX/XXXX to the XXXX XXXX XXXX XXXX. 

This complaint is against the XXXX XXXX XXXX XXXXXXXX and not the collection agency. I understand the collection agency has purchased the debt from the XXXX XXXX XXXX XXXX. I have sent a demand letter to the XXXX XXXX XXXX XXXX requiring a letter from XXXX XXXX confirming the debt is paid and that all erroneous information has been removed from any and all systems. 

I 'm tired of this harassment. The issue of XXXX XXXX 's speed camera system is before the Ohio Supreme Court being considered unconstitutional. The collection practices of the XXXX XXXX XXXX XXXXXXXX are a violation of the Fair Debt Collection Practices Act ( i.e. abusive and unfair ).
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MS)

I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her first marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (NC)

Received a call on today from Halstead Financial with a phone number of ( XXXX  ) XXXX from XXXX, NC. My caller ID screen identified it as spam. I was asked to verify my name for a debt. I refused as I do not carry any outstanding debts at this time. The caller hung up when I would not confirm my identity. He stated OK maam since you dont want to say who you are. I asked him to leave a message. He refused to leave a message for the person of whom he was calling. This is DEFINITELY a scam and they will take advantage of innocent people who may not be as aware of their financial obligations. These crooked thieves need to be stopped.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A. (VA)

I had a credit card with XXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX   hired a law firm of Peroutka , Miller , Klima & Peters , P.A . to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm disabled and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!
Consumer complaint received 2018-03-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (TX)

My car was paid off on XX/XX/XXXX. To date, I have NOT received the original title or the refund check of {$39.00}. I contacted Chase by phone on XX/XX/XXXX. Chase assured me that I would receive in the mail, a re-release letter by XX/XX/XXXX. The refund check would follow shortly.

OnXX/XX/XXXX, I had to contact Chase AGAIN and make a SECOND request to re-issue the documents in order to obtain an original title. Chase now says that the necessary paperwork should be completed byXX/XX/XXXX and I should receive it by mail. 

It has been OVER two months since the car was paid off and I still do not have an original title to the vehicle. 

Please advise.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that need to delete in my personal file : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (VA)

The beginning of XXXX 2017, another individual used my information ( Name, address, social security ) to apply for multiple new lines of credit. Whilst most of them got denied by using proper security checks, two credit  card companies allowed this individual to successfully open a credit card using my information. Here is the info that I have from my XXXX report : 1 ) Barcalays bank :  Account Number : XXXX 2 ) XXXX/XXXX 's : Account Number : XXXX As soon as I realized these accounts were opened, I put in a dispute with XXXX. I also opened an account with XXXX. Using their recovery program and by contacting both Barcalay 's Bank and XXXX 's myself, I was able to get XXXX 's removed from my credit report. However, Barcalay 's bank is not working very well with me. I have called them myself and when I give them my information, name, social, etc.. They continue to tell me they ca n't find my account information. I have also mailed them multiple times. Then I received a call at my grandparents house, where I do n't even live, from Barcalay 's bank asking me by name because my account is overdue ( they were calling every day for about a week ). Luckily I was there one day when they called and I explained the situation to the representative and she said she was going to transfer me to the " security team. '' I then waited on hold for a couple of minutes then the line went dead. I called them 3 times since and each representative still tells me that they ca n't find my account by using my name or other info, but yet they called a relatives house and were asking me by first and last name. The next step on my identity theft recovery program is to put in a complain with you.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CT)

Will not allow me to file proper disputes. Will not submit disputes, Inconsistent and irrelevant responses untimely and inappropriate. 

Will not refund unauthorized and disputed transactions. 
Will not assign each disputed transaction a claim number and properly initiate disputes. 

XXXX to XXXX XXXX XXXX Never received delivery. Police called, XXXX was XXXX and XXXX and still cash app refused to refund. Or submit an official dispute. 

XXXX {$95.00} XXXX XXXX XXXX XXXX XXXXXXXX clerk refused to check me in minutes after payment on XXXX 
Police called, refund never received, no violation of t.o.s. on my side.. must honor XXXX liability policy.. 

XXXX. From XXXX XXXX  never received items. 

{$10.00} and {$13.00} XX/XX/2024 XXXX XXXX, data plan purchased and not applied. 
Several others.
Consumer complaint received 2018-02-01
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. (VT)

I filled a complaint earlier. Complaint number XXXX against XXXX. The company will not freeze access to my data without my enrolling in their credit monitoring program at {$120.00} a year.
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

To XXXX XXXX XXXX XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NJ)

I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. I am also requesting " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to this debt collector.
Consumer complaint received 2022-03-07
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. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : XXXX XXXX XXXX XXXX