davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (CA)

ROCKET MORTGAGE LLC, in writing, promised that three ( 3 ) forbearances of fifteen ( 15 ) monthly mortgage payments of {$620.00} would be deferred at XXXX interest and not payable until the end of the loan account XXXX. 

Instead, ROCKET only deferred the principal portion of said fifteen ( 15 ) payments as follows : On XX/XX/XXXX, {$550.00} for four ( 4 ) deferred payments for XXXX, XXXX, XXXX, XX/XX/XXXX ; and on XX/XX/XXXX, {$1000.00} for XXXX ( XXXX ) deferred payments for XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; and XX/XX/XXXX, {$800.00} for XXXX ( XXXX ) payments for XXXX, XXXX, XXXX, XX/XX/XXXX for a total of {$2300.00} ( see XXXX XXXX XXXX FROM ROCKET MORTGAGE LLC with annotations ). The remaining {$7.00}, XXXX has been accruing interest on the alleged 1st principal balance. Additionally, ROCKET alleges a 2nd principal balance for the entire fifteen ( 15 ) payments that total {$9.00}, XXXX, when it only reduced the alleged 1st principal balance by {$2300.00}. Lastly, ROCKET mortgage failed to credit two timely homeowner payments from XXXX XXXX, XXXX, and XX/XX/XXXX, for a total of 156 days. ROCKET has illegally charged interest on {$7.00}, XXXX, which it denies needs to be reduced from the alleged 1st principal balance, for ( XXXX  YRS and XXXX MOS or XXXX days ).
Consumer complaint received 2023-08-23
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. (CA)

My credit report is showing late payments on XXXX XXXX .... Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have been trying to dispute a fraudulent charge for {$2700.00} at XXXX XXXX in XXXX which has a date of XX/XX/ but appeared on my statement as a reversal on XXXX. I did not authorize this charge and have reported it as fraudulent by calling the Citi security department at XXXX on XX/XX/ where I was provided a case number XXXX and was told to wait for the security team to contact me via phone, email, or mail. 

I followed up to the same department on XX/XX/ and was told that I just needed to wait to be contacted for follow-up. I received no communications from Citi and called again on XX/XX/. On my XX/XX/XXXX call, the representative made another dispute and cancelled my card to issue me a new card number, then told me to wait for the security team to contact me. 

I still had not received any follow-up communications from Citi and called again on XX/XX/ to inquire why the charge was still part of my balance and why there had been no follow-up from Citi. The agent responded that I just needed to wait for the security team to send me a communication. I informed the agent that I would be filing a CFPB complaint since my fraud dispute had not been resolved after almost 1 month. 

The charge has not been removed from my account and I was charged interest and fees for it and it is still gathering interest. I am also no longer able to sign onto my online account.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo repossessed the vehicle, we paid the loan in its entirety and was never given the title and now we are learning we may have also been charged incorrectly.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TN)

I worked hard to pay off debts and remove inaccurate information from my credit report. My credit report is showing I dont have any collections and I still can not get a credit card due to a card I have disputed due to inaccurate information and XXXX relief law. Its not my fault of XXXX caused me to get laid off and couldnt make bills. I have a job at XXXX XXXX insurance and have a great credit profile with 0 collections.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX, Account # : XXXX XXXX  # : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-01-10
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. (NJ)

XXXX accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX CO XXXX, XXXX XXXX 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 What certified documents were reviewed to conclude your investigation? 
Please provide me a complete copy of all the information that was transmitted to the data Furnisher as part of the investigation as required by the FCRA : who did you speak with? What was the date? How long was the conversation? what was their position? What number did call? what is the name of the employee that spoke directly to the creditor? What is the position of your employee that spoke to the creditor? 

According the the fair credit act 15 U.S.C. 1681g ] 609 ( a ) Every consumer reporting agency shall, upon request, subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer accurate information on their consumer report. Section 611 2b ; the consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 15 U.S.C. 1681 section. 617 1a states Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I have attached responses I received from the creditors proving that they have no Knowledge of these accounts The address these creditors have for me on file I never lived there XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny This fraudulent reporting has caused me severe financial and emotional distress
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (MD)

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed 2 NAVY FEDERAL CREDIT CARD ACCOUNTS that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



CREDIT CARD COLLECTION XXXX : NAVY FEDERAL CREDIT UNION CREDIT CARD ACCOUNT NUMBER XXXX XXXX  BALANCE : {$8400.00} delete it from my credit report & STOP REPORTING CREDIT CARD COLLECTION 2 : NAVY FEDERAL CREDIT UNION CREDIT CARD ACCOUNT NUMBER XXXX XXXX  BALANCE : {$6200.00} delete it from my credit report & STOP REPORTING Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (NV)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I inquired to the school about getting my XXXX in XXXX I stated to the financial aid people that I wanted to pay out of pocket they stated to me several times no problem and then sent my information over to XXXX XXXX XXXX XXXX. So they took my out-of-pocket application money via my debit card and continued to send my information over that I did not agree with I never started class I never went to school we were just simply putting the paperwork together two days later XXXX XXXX XXXX XXXX  was trying to debit my account and I called the school back and they said they would fix it but they never did. now this company is trying to force me to pay for a school I never went to, never took a class in and charged me for it. I have talked to them several times but they told me I have no other choice but to pay for it. I have informed the school that they were dishonest and lied to me and I will report all of this to higher education this occurred in XXXX of XXXX the amount is for {$4200.00} the school is distant learning center and I spoke with a XXXX and Client Services/ the company is XXXX XXXX XXXX XXXX XXXX XXXX the person that I spoke with is XXXX. I am continue to be harassed every other week with phone calls it has been placed on my credit report and they're talking about suing me I've never went to school there I've never taken a class there and I don't feel that I should have to pay for anything that I've never done I don't care what agreement we were trying to do I have never ever used this company and I never wanted this company so I should not be pressured into anything
Consumer complaint received 2023-02-23
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)

It started on XX/XX/XXXX, I contacted XXXX XXXX XXXX, also known as XXXX XXXX XXXX, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX XXXX, who I have contacted. They claimed I had originally asked about a XXXX XXXX and my business was denied credit but did not state any vehicle was in my name or purchased. I called back XXXX XXXX, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, XXXX XXXX, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to XXXX XXXX on XX/XX/XXXX. I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, XXXX XXXX has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed XXXX XXXX a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a XXXX XXXX nor ever purchased one from XXXX XXXX.
Consumer complaint received 2023-03-09
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (KY)

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated as soon as possible for they are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (OH)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (OH)

On Friday XX/XX/XXXX while attempting to use my debit card to pay for XXXX XXXX, my card was declined. Assuming that the reason that it was declined was an automated security check I proceeded to wait 10 minutes for a phone call or an email requesting my personal information to verify that it was me using the card at that current time. When I didn't receive any security alert I contacted the customer service number listed in the mobile phone app and I was told that my card was blocked for a security check. At which point, I was placed on hold for 15 minutes and then the call disconnected suddenly. I immediately called the customer service number again and again ; the same result. After trying to get the issue resolved I gave up for the day with the intention of contacting the customer service number in the morning. On Saturday XX/XX/XXXX I reached out to customer service to get the security issue resolved and I was told that my account is being restricted due to an event that happened in XXXX of XXXX. 

However, I have used my card for several transactions since XXXX of XXXX so there's no logical reason for blocking me on a Friday in XX/XX/XXXX behind a " suspicious '' transaction in XXXX.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.