davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC (UT)

Rocket Mortgage bought my mortgage from another lender. In the process the information on paying the hazard insurance did not get transferred over and the insurance lapsed. I provided Rocket Mortgage Insurance carrier information every time they ask. XX/XX/XXXX, Rocket Mortgage informed me that there was no insurance, and I took steps to get new coverage within two days. Because of inaction on their part coverage did not get paid and insurance lapsed. Full Coverage presently exists on the property. 
The laps of insurance went undiscovered by me and Rocket Mortgage for over a year until XX/XX/XXXX. Insurance was immediately ordered and placed on the property. 
Rocket Mortgage now attempting to buy XXXX insurance for the lapsed period of XX/XX/XXXX - XX/XX/XXXX. The insurance would cover nothing and would be only unfair profit in their pockets, essentially a junk fee. Loan # XXXX. They tried to collect for a different time period ( see complaint # XXXX ).
Consumer complaint received 2022-07-17
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. (TX)

Under the FCRA all credit agencies must furnish a consistent and fair credit report. upon reviewing my file i show several inconsistencies among the agencies and i've tried disputing separately but the agencies refuse to correct errors on my report.
Consumer complaint received 2022-07-16
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. (GA)

I have contacted TRANSUNION via phone and mail several times about the account mentioned in the attached letter below. TRANSUNION has received notarized affidavits from me and letters making them aware of the damages that their false and inaccurate reporting has caused me. Yet they continue to report these accounts willfully. 

Under 15 US Code 1681b - Permissable purposes, they need my written consent before reporting anything on my credit report. My written consent was not given. This is aggravated identity theft. I have not been able to extend credit or qualify for loans because of this erroneous reporting ACCOUNT : XXXX INQUIRIES : XXXX - XX/XX/2021 XXXX  - XX/XX/2021
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I hired XXXX XXXX XXXX in XX/XX/XXXX to help with a Modification. This firm took XXXX upfront without completing the modification and leaving my home in foreclosure. I contacted XXXX XXXX XXXX XXXX and they help me. The mortgage relief program paid Phh mortgage and got the house out of foreclosure. I applied again for a Mortgage modification with Phh in XX/XX/XXXX. Since then, Phh is continuously not reviewing the papers I upload to the XXXX and sending letters that my application expired. I am constantly calling asking what they need and promptly uploading the documents. Now, I have been having difficult being XXXX XXXX XXXX  and my job not paying me for the days I am out. I fell behind one payment for XX/XX/XXXX. Phh put me in a forbearance plan again. I called them and stated I did not wanted to be because I was afraid I would loose my home. They are not listening and they say is better to save my home while they are working on reviewing my Modification Application. I do not understand what repercussions a forbearance plan can have and it will be very difficult for me to pay almost XXXX dlls in XXXX.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX NA XX/XX/XXXX - EXPERIAN XXXX XX/XX/XXXX. - EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX  XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XXXX  - EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX - EXPERIAN On XX/XX/XXXX XXXX reached out to have these inquiries investigated and nothing has been done about it
Consumer complaint received 2022-07-16
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. (FL)

The company name is XXXX XXXX XXXX ( XXXX ). 
I applied and reseved a loan on XX/XX/XXXX. I paid the full amount loan due {$900.00} on XX/XX/XXXX. They are reporting to XXXX and Experion credit services that the account was not closed until XX/XX/XXXX 120 days late ( XXXX ) and XX/XX/XXXX 180 days late ( Experion ). 
I tried to filed a complaint with XXXX on XX/XX/XXXX their website would not allow me to upload documents. After calling XXXX representative stated information was correct and only XXXX could change it. I have called XXXX numerous times to no avail.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I placed a freeze on my Experian consumer report about two years ago. I have tried multiple times over the last two years to get the freeze removed. The online service is abysmal ; twice I have thought I successfully removed the freeze, and twice I have had companies to whom I had applied for credit inform me that the freeze was still in place. The phone automation service does not facilitate removal of a freeze, and I have tried in vain for hours to reach a real person to speak to at Experian but they appear to have thwarted every avenue for actual contact with a real person.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX ( XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX  years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

My XXXX  account was compromised and I had {$400.00} stolen out of my account through debit card on XX/XX/XXXX and on XX/XX/XXXX another {$310.00}. I reported it to the bank right away because it was stolen through friends & family option and XXXX  NEVER sides with the victim when the money is stolen through that option. The bank denied my claims within just a few mere days and told me to take the problem up with XXXX because I " authorized '' them to charge my card. So I opened a dispute on XXXX  and my claim was declined in just a few hours. They told me I was responsible for keeping my account secured and basically blaming me for having my account used without consent. I contacted the bank again today ( XX/XX/XXXX ) and they told me they wont re-open my case because the investigation team refuses to look it over again. I asked if I can speak directly to the investigation team because this is so unfair on my part and the employee told me I can't. I asked if I can at least speak to the supervisor and they said I can't. The person I was on the phone with proceeded to tell me to negotiate with XXXX and there's nothing anyone can do. I'm scammed out of {$700.00} and no one is helping me get it back. One side is blaming me for not keeping my account secured and the other side refuses to let me speak to anyone useful on my case. My bank is Bankmobile XXXX and the other company involved is XXXX.
Consumer complaint received 2022-07-16
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. (OH)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-17
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. (FL)

In accordance with the Fair Credit Reporting act the following companies has violated my rights : XXXX XXXX XXXX ( Original Creditor 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 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 2022-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: INDEPENDENT BANK CORP. (MA)

I was banking with Rockland Trust Bank and I was at work when they called me to ask if someone deposited money into my account, which I was unaware of. I believe my identity was stole or someone hacked my account and deposited a check into my account. Causing my bank to think it was me, when I had nothing to do with it. I want to be able to bank with them but they closed my account stating I can not open another account with them. Which I believe is unfair. This happened last summer around XXXXXXXX XXXX XXXX
Consumer complaint received 2020-05-12
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX  XXXX {$7900.00}
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (KY)

About XXXX I received a notice from PayPal that I bought something in XXXX for over {$300.00}. They would not tell me what was bought just that I owed them money. I refused to pay it, I dont shop in XXXX . They turned me over to collection agency, I told them that I wasnt paying & then letters stopped. A few years later it started up again. I called & asked once again to have account closed, I refused to pay, it all stopped again. Last year I got another letter but it all quickly died out. Today I received a text from PayPal about a {$560.00} charge. I called immediately & they told me I had two accounts, one in US & one in XXXX. I asked that all accounts were to be closed. He said the only way to close the accounts were to give him access to my server. I hung up & called u. I need to know what to do. 
XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.
Consumer complaint received 2020-05-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (NC)

I took out a loan due to emergency funding need in XX/XX/2019 for {$300.00}. I understand that I was to pay it back biweekly on my payday for {$52.00} each payday. I checked my balance today and was shocked to see that my current balance is {$280.00}. With about at least 9 payments so far, it has done very little to pay down the balance which means payment has been going towards the finance charge. I have paid over {$500.00} since taking out the loan which should have already paid for the loan plus interest. I believe this to be predatory lending.
Consumer complaint received 2020-05-21
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXX {$5400.00} XXXX   XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

I contacted all 3 bureaus to remove old and inaccurate information off my reports back in XXXX. Only XXXX and XXXX were the only 2 to remove and update my account Experian refused to follow suit. So since then my account has been reporting like this and I havent been able to see my reports for XXXX and XXXX. I pay {$20.00} a month for the Experian membership, I have contacted all bureaus and no one seemed to help or fix the situation
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NJ)

Cavalry Portfolio Services Llc have submitted multiple fraudulent cases against me through XXXX XXXX XXXX. The first case docket # DC XXXX XXXX for a credit card i never had and XXXX XXXX XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with XXXX XXXX that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.
Consumer complaint received 2020-05-21
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. (NC)

My identity has been stolen by the same person for the last 9 years, He has opened credit cards in name and auto loans and several boat loans. There is several police reports and FTC reports on file with XXXX, Experian, and XXXX but they don't use them.
Consumer complaint received 2022-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Action In Rem : I forgot to mention that in previous bankruptcy court hearings couple years back with BOA attorneys the same bankruptcy judge mentioned that only action in rem might be available. In rem action by definition has to be judicial as it is not against a particular person and there must be a verified complaint, not just standard non judicial notice, and title has to be validated, similar to quiet title action. 

Bank of America is intentionally ignoring the past hearings in the same Bankruptcy Court suddenly filed another cookie cutter XXXX non judicial notice personally against me, as if they didnt listen to the judge, my XXXX case is still open, I filed an adversary against this foreclosure and BOA filed motion to dismiss claiming I have no standing to defend myself, with that same XXXX judge in the same lead case XXXX ( XXXX   ). 

XXXX XXXX