davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/XXXX Quicken Loans, aka, Rocket Mortgage, my mortgage servicer sent me a threatening letter attempting to intimidate me from bringing a claim to resolve a fraud matter. On XX/XX/XXXX, I unknowingly signed a promissory note for an incomplete, non-code-compliant and nonconforming new construction home. The property was unihabitable with defective smoke detectors, ungrounded electrical wiring, etc. The fact that the home failed XXXX final inspections was concealed. Despite the state municipal law section XXXX required a certificate of occupancy ( XXXX  ) be obtained BEFORE the escrow transaction, the XXXX consummated the mortgage without one. The XXXX also stated on record that a XXXX  is required before closing on new construction. I was unaware during the escrow transaction that Quicken Loans violated their own lending requirement and state law. Quicken Loans advertises to the public via the internet that a XXXX is required before or at closing for new construction. Their licensed bankers have admitted on transcript that a XXXX is required before closing. State government records shows that the home failed XXXX final inspections before the closing. To make matters worse, the closing disclosure ( XXXX  ) was not provided XXXX days before closing. The final, completed appraisal was not provided before or at the closing either. In XXXX, the XXXX falsely claimed that the XXXX was provided on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX. Recordings, emails and origination records prove that the XXXX is lying and can not substantiate the false claim. In XXXX, when my state investigated the XXXX, on record, Quicken Loans obstructed justice and refused to provide requested evidence. The XXXX refused to provide the recording from the XX/XX/XXXX loan application call attended by my XXXX XXXX XXXX. The XXXX refused to provide their closing instructions given to the escrow agent, proof of delivery of the XXXX  and proof of delivery of the appraisal. Origination loan estimates contradict interest rate disclosures. The appraised value of the escrow transaction relied on the home being complete, conforming and code compliant.
Consumer complaint received 2022-08-01
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: United PanAm Financial Corp. (FL)

This vehicle was retrained by the loan company. United Auto credit. Plus resale to a new buyer at an auction some where.. There wasn't any more payments needed to paid at that point. Remove this from my credit report immediately.
Consumer complaint received 2022-05-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I XXXX XXXX have contacted XXXX XXXX, And Equifax reporting and sending proof that Im a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP! 

XXXX failed to Remove the Fraudulent account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago XXXX have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also XXXX failed to make my credit report available to me XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent address ) XXXX Did not Remove XXXX FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court EQUIFAX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below XXXX XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED
Consumer complaint received 2022-10-05
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. (OR)

I filed a dispute with Equifax ; however, they immediately closed the dispute. I paid off my auto loan to XXXX early via a cashier 's check by XXXX XXXX. I included the check which was endorsed by XXXX and deposited to their XXXX XXXX account.
Consumer complaint received 2022-05-13
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. (OH)

In accordance with the Fair Credit Reporting Act, the following items are in violation of my rights. 

XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX  - Account Number XXXX 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 an account without my written instructions.
Consumer complaint received 2022-10-24
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. (FL)

Please remove all inquiries from my report excluding a XXXX credit card. In the attached file is a police report, FTC identity report, and Experian confirmation of data breaches and dark web personal information breaches.
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

In order to pay the rent as usual I wrote a check for the landlord, but this time I had to do it more than a week in advance because of a vacation leave. Since I did not have enough fundings at that moment in my account I wrote the check putting a date of the future, the date on the check was XX/XX/XXXX ; since the first day of every month is when I usually pay the rent. I told the personnel of the main office in charge of the renting not to cash the check before that date put on it, but they forgot, they are several people there and they are in charge of many apartments. They tried to deposit the check on XX/XX/XXXX ; and there were not enough fundings yet, the Wells Fargo charged me with {$35.00} because the lack of fundings. 

I think that the bank before trying to cash the check they have to verify that the date is a valid one, a current one or a date in the past. It is very common that in the case of inconsistencies they do not want to cash the checks, like in the case when the quantity in letters is a mismatch from the quantity in numbers, or in the case of a misspelling in the name of the beneficiary, or when it is a problem with the signature, or if the check has not been properly endorsed, etc. 

Also in the case of old checks, six months or older, it is common to have issues from the banks when a person is trying to cash those. Then, likewise the bank should not be cashing checks with dates set on the future. 

So, I do not agree with Wells Fargo charging me {$35.00} dollars arguing that my account did not have enough fundings when the check was tried to be cashed before the date given on it.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Block, Inc. (MI)

After pay has violated my Federally Protected rights I under the FDCPA. After pay is collecting on an alleged debt that is not I am responsible nor obligated for pursuant to 15 U.S.C. 1692a-3
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (WY)

I rang Cititbank to activate the new credit cards they sent.

I was in tears after being transferred 4 times in an hour, and despite providing all my personal information I still could not be given access because of one forgotten security question. It seems questionable that in spite of all the information I gave that it all hinged on one question which was unrelated to anything of real meaning.

Other simple methods like texting the contact mobile numbers did not work, and even though I only wanted to activate a new card, we are considering closing the account after the hour of torture and their inability to run an effective service.

Even more ridiculous, is that one of the representatives tried to use a marketing incentive to gain a gift card, when I needed a resolution to a simple and commonplace problem.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (FL)

I have disputed the following with XXXX and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

CAVALRY PORTFOLIO SERV Collections XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX  Collections XXXX XXXXXXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX Collections {$520.00} Original creditor : XXXXXXXX XXXX showing opened date of XX/XX/XXXX- but synchrony Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Self Financial Inc. (FL)

This company was supposed to deposit to deposit my money a certain day and didnt then when I called they acted like they didnt know what was going on. Then later gave me a excuse why they didnt deposit my money on the day they told me they would.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (AL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2022-10-24
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. (NY)

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 XXXX rept but they refused they had me on mute for XXXX 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 im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I XXXX XXXX have a mortgage along with my mother with Wells Fargo Home Mortgage. My mother is completely out of the equation right now as she is nearly XXXX years old and living in a XXXX XXXX. When I was out of work from a serious medical condition, I had nobody to help me with my obligations. However, my house went into foreclosure and I was told that my only remedy was to file a Chapter XXXX bankruptcy petition. I realize that the filing might have been a short tern solution, but I believe that as a member of the XXXX community who has lived within the law all of her life, that I was abusively mistreated by Wells Fargo Home Mortgage. Once I was back to work my mortgage could have easily been restructured. However, I was treated badly by representatives of Wells Fargo even though I should have been granted a modification with a forbearance included. I hereby submit my protest through the CFPB, so that I can have it posted on public record that as a member of the XXXX community I was bullied into a bankruptcy that was totally unnecessary. I desire to dismiss my Chapter XXXX and open a line of communications to restructure a true modification under my protective rights with the Fair Debt Collection Practices Act. I am requesting a full QWR on my property indebtedness to find out the true ownership of its note, and I intend to file a formal complaint with the FDIC within the next week. I demand a full review of my file and an assignment of a qualified loan officer to help me restructure my mortgage serviced by Wells Fargo Home Mortgage.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-08-21
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. (PA)

I noticed the XXXX XXXX XXXX was reporting to the credit bureaus that I owed them {$420.00} for account # XXXX ... I sent letters to them XX/XX/XXXX, certified mail ( tracking # XXXX ) on XX/XX/XXXX and XX/XX/XXXX. In these letters I asked them to validate this debt. With all documents pertaining to this account. I also requested any receipts or any documentation bearing my signature. They have yet to respond. They are continuing to violate federal law by knowling reporting inaccurate information about me.
Consumer complaint received 2022-10-24
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: CORELOGIC INC (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I have paid the company on several occurrences where they did not apply the money to my credit card account. On their end, they claimed the money was not in my account but my bank account shows that the money was gone. Also on their end, it shows the payment went through. They claimed they had to charge me extra fees because of this. When I continue to try to solve the issue, they send me to another representative instead of trying to help me. 

These instances occurred on : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 in the amounts of ( consecutively with the dates listed above ) {$100.00} {$22.00} {$20.00} {$25.00} {$26.00}
Consumer complaint received 2022-08-01
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

I received a Debit Card PIN number for an account at Well Fargo I did not open. I do not have an account at Wells Fargo. I notified Wells Fargo in person and received an acknowledgment email however, the contact number provided in the email acknowledgment is not a functioning number. I am concerned given the previous practice of Wells Fargo opening fraudulent accounts. 

I am concerned as to how you can open an account online without any funds with Wells Fargo as the staff in XXXX alluded to? 

I ask that they freeze the account and I am a week in and have yet to receive any updates other than an acknowledgment email