davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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: Rocket Mortgage, LLC (NC)

I spoke with a representative about the tax payment that was coming due. The person explained how Quicken Loans manages the process for the customer and what to expect. I asked him to let me speak with someone that could give the details of keeping the payment at the current level. I spoke with a person that gave me details of what would be the outcome of a refinance. I have explained to several persons that have been calling us from Quicken Loans for weeks to refinance the mortgage. We inform them that the mortgage was just refinanced last year and that we aren't interested in refinancing our mortgage. 

During the conversation on XX/XX/XXXX, the representative mentioned a payment of $ XXXX/mo. through a refinance process with no PMI involved. I told the person that sounds great but my wife and I would not be interested. Thanks for your help and have a good day. 

On Friday, XX/XX/XXXX, my wife reads me an email that I had yet to read from my inbox about a credit inquiry for a new loan, etc. We gave no one permission from Quicken Loans, didn't hear them ask if it is alright to check our credit, or didn't expect anyone to do a credit check. This is an invasion of our credit information for the sake of Quicken Loans trying to " churn '' the loan to make money through the number of fees, etc. that come from a mortgage closing process. We understand the business community in all areas is currently having a difficult time. But, thank God we have not missed any payments to any creditor. Please let Quicken Loans know we do not appreciate being used in any way to line the pockets of businesses that already have financial resources way beyond retired persons such as my wife and I. Please let them know this information on our credit report needs to be removed as it bears no merit. I, nor my wife was asked if our credit could be examined to qualify for any additional loan actions through Quicken Loans. Thank you for your help.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I noticed an unauthorized balance transfer on my savings account, amounting to XXXX from 3 different transactions. The transactions were made on XX/XX/XXXX, XX/XX/XXXX and XXXX. When I found out about it, I immediately reported it to Chase claims department. I followed up on my case today, XX/XX/XXXX and was told that the fraudulent transactions on my accounts were valid even though I told them that I never used my savings account to transfer money to an external account. I only do XXXX from my checking account. They said that if I have no other evidence to support my claim that it was fraudulent, there was nothing else they could do about it.
Consumer complaint received 2018-09-28
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX   XXXX  IN THE AMOUNT OF {$410.00} XXXX   XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2018-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm XX/XX/XXXX I tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2020-07-13
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: Fidelity National Information Services, Inc. (FNIS) (VA)

Chex systems reporting inaccurate erroneous information PAID ITEMS REAGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. Chex systems has discriminated against me. If Chex if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST CHEX SYSTEMS FOR MULTIPLE VIOLATIONS. 

FOR ACCOUNT : XXXX  XXXX XXXX XXXX  ENDING XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Seattle Service Bureau, Inc (MI)

National Service Bureau XXXX XXXX XX/XX/2018 Has purposely done this on purpose. Because I challenged them and they never responded but still on my credit report a 609 fair credit report. Because legal action is where I am going to because of the damage you did to my credit when you know you just was buying up debt and we never sign nothing. Show me or remove it. Because a lawsuit is my next option because we in a crisis and you are a liar that I owe you.
Consumer complaint received 2018-09-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MA)

On XX/XX/2018, I requested a forbearance from my loaner Navient across all of my 3 loans with a total of {$150.00}. A week later I was notified on XX/XX/2018  my payment was reversed due to not being able to locate my account. I immediately called first thing XX/XX/XXXX and resubmitted my payment with the same account information. The payment was then credited to my account as expected but the following day on XX/XX/XXXX I received an email regarding my loan not being paid. I called Navient again that morning and was told the amount I paid for forbearance was not applied to my account properly and would need to be read the disclosure again. Following the disclosure I was told the loans were in forbearance. Later on XX/XX/XXXX I recieved another email regarding my loans. I called Navient again and was told my payment was not applied properly a third time. I was read the disclosure and assured my loan was in forbearance. Today XX/XX/XXXX I received another email regarding my loan and when I checked my loan accounts, they are in fact still not in forbearance. I have proof of my payment through bank statements and will call once again tomorrow XX/XX/XXXX. This is outrageous!
Consumer complaint received 2018-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

In XX/XX/XXXX our HELOC that we have with Harris Bank matured/came due. I contacted Harris the prior summer to find out what my options were as I did not think I would be able to refinance. I explained that when the economy crashed, my husband was laid off from his job as a XXXX XXXX making $ XXXX. Since it took so long for the economy to recover, he had to make a career change and became a XXXX. He want from making $ XXXX to a first years XXXX  salary of $ XXXX. It took him 9 months to find a job. During the same time frame, I was in a horrible car accident and had a lot of medical bills as a result. 

We were referred to the Loss Mitigation Dept. at Harris and put in touch with XXXX XXXX XXXX. XXXX as so helpful, kind, and compassionate. We were offered a 6 month Stipulation plan and had to pay {$260.00} each month. We were told that if we make these payments on time that Harris would be able to help us work towards a permanent solution. As promised, XXXX contact us after we made 5 payments. I faxed her the paperwork she requested. A few days later XXXX contacted me apologizing stating that she could no longer assist us because our loan was now being handled in a different department and our HELOC was being charged off. When I inquired why this was happening, XXXX was not sure and confirmed that I had made all of our payments on time. 

That same day I contacted the department that was now handling my HELOC. They told me that my only option is to put this loan into a 5 year loan and make payments of {$1400.00} a month. I explained to her that I can not afford that high of a payment. She told me this was my only option. She told me I could make lower payments if I wanted but that would not guarantee that Harris would not pursue legal action/foreclosure on my house. 

I dont feel what happened here is ethical. We followed our end of the agreement on the good faith that Harris was working with us and that they would follow their end of the agreement. See below a copy of the email I received letting me know about the Stipulation Plan. 

Email from Harris regarding Stipulation plan. I copied it onto this document. I am happy to forward the original email. I do not have the contract/paperwork I signed on email, but Harris should have a copies of that paperwork. 

Email dated : XX/XX/XXXX : Hi-Management has approved you for a 6 month stipulation plan. 1st payment due on XX/XX/XXXX. Amount is {$260.00}. The 6 month plan is temporary to allow you time to improve your debt to income. Once you make your 5th payment, we will send you another package to get updated information in the hopes that things have improved so we can get you into a long term solution. Please call or email with questions/acceptance. If you accept, my closer will send you a letter with the payment due date and amount. Thanks. XXXX ( I included the copy of this email here because every time I tried to attach it below I lost everything I had typed. )
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

Card : American Express XXXX Preferred Guest Card Opened account in early XXXX XXXX, when XXXX had a promotional account opening reward bonus of XXXX SPG point, with certain spending requirement. 
Here 's my statement amount for the first several months : XXXX : {$390.00} XXXX : {$7900.00} XXXX : {$1700.00} Those amount should easily cover the spending requirement. But I have never got my rewards. So I contacted XXXX 3 times, once in XXXX, twice in XXXX. I 've been getting the same answer every time. 
The " official '' answer is : this is a known issue and we 've been investigating it. You will get your reward soon. That 's XXXX. 

I 've no where to file a complain so hopefully you guys could help out here. 
Thank you so much,
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has unlawfully added information that link me to other accounts that do not belong to me. I have never used XXXX or XXXX because I am not the son of XXXX XXXX And I have no children. My name is XXXX XXXX XXXX. Without warning Experian is sending me information addressed to XXXX. I have spoken directly to agents and in writing, I submitted requests correcting this information. For Gods Sake Experian get it together
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NV)

I spent several hours in a physical Wells Fargo ( WF ) branch needing to obtain financial records for legal procedures against a private party. I requested a " RPPS '' report from WF Online Bill Pay department and they seemed to have no understand of this term. The retail banker spent a long time on the phone attempting to get the required information I require.
Consumer complaint received 2018-09-28
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. (NY)

Closed XXXX account in XX/XX/XXXX. XXXX closed the account but did not notify me of {$10.00} outstanding, which then ballooned to almost {$200.00} by XX/XX/XXXX, but I was not notified of the balance because I had closed the account. I discovered it in XX/XX/XXXX from my credit report and paid immediately but it has seriously damaged my credit score since, due to XXXX negligence. I disputed with Experian in XX/XX/XXXX and the companys response was to remove the note saying that I closed the card in XX/XX/XXXX and only show the overdue amounts accumulating until that XXXX. XXXX made a nearly 2000 % profit in 7 months by defrauding me and has done long term damage to my credit, all for a {$10.00} charge which is clearly within my means and which I would have gladly paid had I been notified.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WY)

A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on XX/XX/XXXX!
Consumer complaint received 2021-08-17
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: CREDIT ACCEPTANCE CORPORATION (PA)

I am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.
Consumer complaint received 2020-04-16
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: DISCOVER BANK (FL)

Dear CFPB, On XX/XX/2019 I called XXXX XXXX. I asked when my promotional period ends. The customer service agent told me that my promotion will end midnight XX/XX/2019. 

I then told the agent that I DO NOT want to continue service past XX/XX/2019. 

I told agent to CANCEL my service on XX/XX/XXXX, and specifically told the agent DO NOT auto-bill my Discover Card because I am CANCELLING service. 

Once my service was canceled ( or so I thought? ) I returned all the equipment XXXX on XX/XX/2019. 

I then received a bill for {$170.00} on my Discover Card later in XXXX for services I did not use ... and for which I explicitly CANCELLED. 

Unlike ALL other utility service providers, XXXX is unable/unwilling to do future cancelation of services. 

However because I returned my equipment 37 hours and 52 minutes LATE I was billed the entire month of XXXX because I was still considered IN CONTRACT. Even though, on XX/XX/2019 I informed XXXX that I was canceling service. 

No customer is able to return equipment exactly at midnight when their contract expires. So the very next day when you return the equipment you are considered LATE and will be billed for an entire month by XXXX. 
I would consider that deceptive, misleading and unfair billing practices. 

I have sent numerous letters to both XXXX XXXX and Discover Card to resolve this issue of deceptive billing practices. Both times Discover Card has chosen to ignore XXXX XXXX 's malicious and unfair billing protocols and have agreed in their favor ... not to protect the consumer.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

Cell phone bill settled when phone was returned to XXXX office. Receipt was given to me account closed and Dlversified Consultants bought the account from XXXX since about 17 months ago. Finally XXXX removed it from their system but XXXX  did not. Want it resolved as soon as possible so that my credit report can be accurate. Disputed it with XXXX XXXX andXXXX foundXXXX it was unfounded. Need to have XXXX  to remove it as well
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2017-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitted several disputes to XXXX, XXXX  and XXXX   and they all come back as verified. I just submitted a dispute with each of them in XXXX and again in XX/XX/XXXX and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Equifax out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Equifax is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.