davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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: Rocket Mortgage, LLC (CA)

On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of Rocket Mortgage, was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on Rocket Mortgages request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to Rocket Mortgage. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX  paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX  acting on behalf of Rocket Mortgage company was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to Rocket Mortgage whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them XXXX XXXX XXXX was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (WI)

Reached out to equifax multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

Ford is reporting erroneously on my credit and it must be fixed. I recently noticed that ford is reporting an account I have with them saying I am making a $ 400+ payment to them every month. This is wildly inaccurate as I am no longer making any payments with Ford. They sent my account to collections and I have been paying them about {$150.00} a month. However, Ford continues to report this debt as if I make monthly payments to them and this is really affecting my debt to income ratio to be able to buy a home. This is completely untrue and invalid. Unless they can validate that I make $ 400+ payments this needs to be removed. Reporting invalidated debt is a violation under the FCRA and the FDCPA and if not fixed, this can constitute fraud under both federal and state laws. This needs to be deleted.
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

Rocket Mortgage XX/XX/XXXX I attempted to refinance only to find out Rocket Mortgage submitted a forbearance loan in my name for XXXX I have never signed a forbearance loan of that amount 3 payments should have been put on my loan during covid. 

I filed bankruptcy XXXX, my attorneys assured me they had filed for the reconsideration for my mortgage after the bankruptcy they would start reporting again to the credit bureaus. Rocket Mortgage refused to report to the credit bureaus stating that my attorneys sent the reconsideration letter after the bankruptcy was completed, I had personally had my attorneys faxed a certified copy 5 times to Rocket Mortgage. 

I filed bankruptcy for the XXXX that Rocket Mortgage was asking for for foreclosure filing fees the put the amount back onto my mortgage payments. The worst of all this is I was just awarded a grant from AZ Mortgage Assistance Fund for XXXX send to Rocket Mortgage XX/XX/XXXX Rocket mortgage got the check and applied the funds to whatever they wanted and can't state why or what funds were applied too
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (MD)

On XX/XX/2021, I first contacted this company to let them know that I did not know anything about this debt and needed information on the transaction. I was told that they were unable to provide proof of the debt at this time. 

Since that day and today ( XX/XX/2021 ), I have attempted to contact their customer service agents several times via email and chat to resolve the issue. Today, I went ahead and paid the {$400.00} debt because I do not need that on my credit report. I have explained to them several times that this charge could have been fraud, and not one person cared.
Consumer complaint received 2022-04-09
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. (NC)

XXXX, XXXX, Equifax Accounts : 1. XXXX XXXX XXXX XXXX- needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
2. XXXX XXXX XXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan 3. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
4XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
5. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
6. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
7. XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
8. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
9. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
10. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.
Consumer complaint received 2020-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I received a letter from my LoanCare that they had resolved my payment issue in a previous compliant to them filed with cfpb in XX/XX/2019. However I have never been late on my payments and now they are applying each of my payments to the month before. Example. I made XXXX 's payment they are applying to XXXX. this problem occurred when i made my escrow & payment on XX/XX/2019 in the amount of {$53000.00}. When i made that payment i brought my payments current as well as paid off my shortage and should not be a month behind. I spoke to several individuals since then, one in particular was a woman who claimed to be a manager by the name of XXXX whom left me a fake extension number to reach her ( no body ever heard of a manger by that name nor that extension number ) spoke to her on XX/XX/XXXX, she also said that this needed to be corrected and that she was going to put in a ticket to resolve the issue. I haven't heard anything since.
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: Experian Information Solutions Inc. (LA)

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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I purchased my home back in XX/XX/XXXX. Since this time we've seen significant market appreciation and I wanted to look into getting rid of the PMI on my loan. I initiated the process with my mortgage servicer back in XXXX and we completed an appraisal with the vendor of their choosing. 

The value of the property came back evidencing I did in fact have the 20 % equity in the home and my understanding was the PMI would be dropped. I have spent the last 60 days going rounds with Mr. Cooper as they won't drop the PMI but also can't provide an articulate reason as to why they won't drop it. They needed 15 days to research it initially, then another 30 days to look into it again, finally I called again today and they stated no progress has been made, they're unable to expedite and they're unsure of when someone will have any sort of articulate/intelligent response. I was advised I refused to send an e-mail by my 2nd escalation specialist. I inquired if that meant they did nothing for the past two weeks, no action was confirmed. I wasn't permitted to speak with a supervisor as they have a 2-4 turn time for this process. I've acted long enough in good faith with zero traction. XXXX with the escalations refused to call me back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. When I was successful in getting another representative they lied and claimed XXXX had left me a voice message yesterday which I have since confirmed is not the case. 

My understanding was was 20 % equity was reached in property, after evidenced by an appraiser of the mortgage servicer 's choosing, PMI is to be dropped immediately. 

Finally, they're still trying to invoice me for the report despite not being able to utilize said report for intended purposes. 

I can obtain a copy of the most recent mortgage statement & appraisal if helpful.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have accounts showing current all year in XXXX. Then in XXXX Equifax changed it to show lates. If I was current all year long how can they go back after the year is over and changes it to late payments.
Consumer complaint received 2022-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX USA, XXXX XXXX and XXXX XXXX XXXX  XXXX  INDIANAP.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by XXXX XXXX XXXX in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC 2983.2 and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

ACCOUNTS XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX paid in full XXXX XXXX never late XXXX XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX XXXX XX/XX/2013 {$340.00} not mine XXXX XXXX XX/XX/2014 {$830.00} not mine
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

Chase offers ability to transfer Ultimate Reward points to various airline mileage programs, one of which is XXXX XXXX. On the afternoon of XX/XX/XXXX, I requested a transfer of XXXX points to such an account. I received a confirmation email indicating that transfer will be completed within two business days ( end of XX/XX/XXXX ). 

While the points were deducted from my account, the transfer was not completed by this time. First contacting Chase by phone led to a request to wait for seven days. 

Having waited the seven days, the transfer was still not completed. I called Chase again and the agent was able to create a ticket to escalate this since they were not empowered to help. 

On the evening of XX/XX/XXXX ( over ten calendar days later, or over eight business days later ), XXXX account showed the transfer as complete. 

Finally, I received a letter ( dated XX/XX/XXXX, received XX/XX/XXXX ) responding to my escalation request. The letter ( signed by XXXX XXXX ) does not address my inquiry about reasonable reliance for timely transfers and just cites that according to program rules transfers are not reversible. 

Having checked the program terms, Chase is the party that failed to honor its contractual obligations ( terms promise transfers within 7 days ). Additionally, there was inaccurate messaging about transfer times promised within the confirmation email creating an undue reliance.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2020-03-24
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. (CA)

The INQUIRIES to date has NOT been proven COMPLIANTLY REPORTED such as to posses factually demonstrated document PHYSICALLY VERIFIED PROOF of adequate lawful PERMISSIBLE PURPOSE
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: ENCORE CAPITAL GROUP INC. (MD)

I signed up with a credit repair company called XXXX XXXX XXXX ( XXXX ; XXXX ) ... for a debt of about {$3000.00} during XXXX. I was paying {$100.00} every month. I kept my commitment and paid every month through XXXX. During the covid pandemic I lost my job but I continued to pay when I could. I asked for a repayment plan that would work with my situation. None was ever offered. 
The debit was then transferred to Midland Credit Management. Midlandcredit.com. ( XXXX ; XXXX ; XXXX ) ..I don't know why it was transferred. I was never informed about the transfer of my debt. For some reason, some of my payments weren't accepted. I called to ask why and they never explained the reason why my payments weren't accepted. 
I then received a notice in the mail in XX/XX/XXXX that my debt was now increased to {$1000.00}. I had paid the debt down to {$100.00}, so I did not understand why my debt was increased to over {$1000.00}. I called Midland Credit Management in XX/XX/XXXX and inquired about this increase. They did not give me any answer. They said they declined my payments sporadically .... for XXXX, XX/XX/XXXX, and XXXX, XXXX and XX/XX/XXXX. They did not give me a reason why. 
Now Midland Credit Management states that I owe {$1000.00}. They have never explained why my debt has increased over 10x. They intend to file on my credit report.

I beleve both of these companies are engaging in illegal and predatory practices towards their customers. Can you please investigate and help me determine how to prevent these 2 companies from negatively impacting my credit score.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (GA)

I have been trying to get Barclay to send me my refund balance of {$1300.00} since the middle of XX/XX/2020. No one will answer the phone nor will they respond to the 5 emails I have sent them. Online they say they will respond to messages within 6 hours. No one responds. I eventually closed my account thinking that would nudge the system to send me my money, but so far it hasn't. I understand the situation with Covid 19, but this is ridiculous. The phone lines indicate longer than normal wait times. I have waited 45 minutes and still no representative. I need my money due to being out of work. Please help me with this.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I opened a Synchrony credit card to avail of 0 % financing at XXXX XXXX and XXXX XXXX furniture store. 
This is a store specific card. After I completed all my purchases over the course of a year, I did an account reconciliation and found out that my total charges on the account exceeded my total purchased at XXXX XXXX. I reached out to the store manager in XX/XX/XXXX and finally got confirmation from the bank on that they had XXXX charges of {$1800.00} which were in accurate and needed to be taken off the account. I have since XX/XX/XXXX reached out and followed up multiple times and am yet to see these charges credited back to my account. In my understanding of how systems works, it seems that there is no good way of accounting for these 18 month 0 % interest purchases between the store and bank. The system seems manual and error prone and I can only imagine how many other customers have had similar issues or just overcharged and not realized it. This defies any following of basic financial auditory controls to ensure accuracy of processing financial data.