davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/202XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2XXXX XXXX XXXX Inquiry Date : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

My loan/servicing was recently purchased by Rocket Mortgage. I set up my account with their online servicing over the phone with them and had to get my escrow accounts corrected. When I mentioned dropping mortgage insurance, they tried to push me into refinancing, even though I told them no. This was taken care of and there was no reason for them to contact me again in reference to the new servicing. They continually call me to go over my account which I already have done, in an attempt to get me to refinance my loan. They have provided miss-information about refinancing and what they could do. They continue to call and are harassing me even after I've told them I do not want to discuss any type of refinance or review of my loan, since I went through the process with them already. I'm a licensed loan originator and I work on loans every day. I know the process for removing mortgage insurance and shouldn't be told I should refinance. I told them I was not interested in refinancing or looking at any additional loan options. I allowed them to give me a sales pitch and the information they were implying was incorrect, I assume because they have inexperienced employees pushed by managers to badger clients into agreeing to speak with one of their loan officers. 

It is wrong for a company to buy a bunch of loans so that they can legally call and harass the borrowers, and mislead them just so Rocket Mortgage can profit by miss leading people into refinancing their current mortgage.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Please tell me all deposits with my name on it that was canceled or refused sent back or anything at Citizens Bank XXXX XXXX XXXX XXXX CT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX email XXXX XXXX Subpart B : Funds Transfers through Fedwire Section 210.25 Authority, purpose, and scope Subpart B sets forth rules governing funds transfers through Fedwire. This section provides that Reserve Banks issue circulars governing the details of its funds-transfer operations.

Sectio

n 210.26 Definitions Defines key terms used in subpart B. Section 210.27 Reliance on
identifying number States that a Reserve Bank may rely on the number in a payment order identifying the intermediary bank, the beneficiary 's bank, or the beneficiary.

Section 210.28 Agreement of sender Provides that a sender authorizes a Reserve Bank to obtain payment for the sender 's payment orders by debiting the sender 's account. Also describes procedures dealing with overdrafts.

Section 210.29 Agreement of receiving bank Provides that a receiving bank receives payment from a Reserve Bank for a payment order through a credit in its account with the Reserve Bank. Also describes some of the responsibilities of off-line banks that serve as intermediaries. 

Section 210.30 Payment orders Describes procedures for the handling of payment orders by Reserve Banks as they relate to the acceptance or rejection of payment orders, the selection of intermediary banks, and the timing of execution.

Section 210.31 Payment by a Federal Reserve Bank to a receiving bank or beneficiary Provides details regarding the timing of payments by Reserve Banks to receiving banks and beneficiaries.

Section 210.32 Federal Reserve Bank liability ; payment of interest Limits the liability of a Reserve Bank in handling a payment order. Also describes the procedures by which a Reserve Bank can pay interest as it relates to fund transfers under the Uniform Commercial Code.

Appendix A Commentary Appendix B Article 4A, Funds transfers
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We have been complaining to Bank of America, to XXXX and CFPB since the start of the Financial Crisis in XXXX 
THIS IS OUR LAST COMPLAIN. 
Its is in response to the last letter ( case # XXXX ) received from Bank of America Resolution Specialist.

With all our respect The BofA Resolution Specialist is missing the point. 
This complaint is NOT about present interest of BofA in this Loan. 
This complaint is about BofA past Loan Modification Fraud. 

A little bit of Justice will be greatly appreciated. 

How did Bank of America prevent mortgage modifications? 
What we have learned through former BOA employees and supervisors is that BOA engaged in a scheme of deceptions, misrepresentations and outright lies to keep its customers from getting XXXX mortgage modifications. 

Among other things, BOA would : Repeatedly and intentionally lose customers modification applications Falsely claim that the applications were incomplete or stale Tell applicants that they could not qualify unless they were behind on their payments Charge its customers unnecessary fees Fail to apply customers payments to the proper accounts. 
BOA did this because it figured out that it would make far more money through foreclosures or less favorable mortgage modification than through XXXX modifications. 

As a result of its fraud, BOA has been forced to repay the United States government a XXXX XXXX! What BOA has not done, however, is repay all of the customers it defrauded. Thats what our law firm is committed to do for our clients getting them the justice they deserve. 

What BOA has not done, however, is repay all of the customers it defrauded.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (GA)

Goldman Sachs / Apple credit card, have consistently failed to update my credit file with the 3 major credit bureaus, XXXX. XXXX, XXXX and XXXX. The failure to accurately report the status of my credit on a regular monthly basis is in violation of the Fair Credit Reporting Act and thus a violation of my legal rights. This failure is adversely impacting my credit score and thus my financial health.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : DPT ED/AIDVXXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX  Account # 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 2022-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
cores Details I demand the following accounts be verified or removed immediately. 


XXXX XXXX / {$670.00} / XX/XX/2022 XXXX / {$710.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/22 I received a bank card I had not applied for from XXXX XXXX. On XX/XX/22 my XXXX XXXX sent me an alert informing my SS was found on the dark web. On XX/XX/22 XXXX XXXX sent a text asking that I approve a payment. I did not make any purchases with a XXXX XXXX card. It became clear to me my identify was being used by someone. XXXX.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Equifax ; Experian and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX XXXX  - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ; US DEPT ED - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX  - XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2022-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Innovative Funding Services, L.L.C. (PA)

Approved for auto loan XXXX 3.65 %. Signed initial agreement on XXXX which included a {$2100.00} warranty plan that was never discussed. Declined the warranty and my rate was increased to 5.1 %. 
Loan has been in funding since XX/XX/23. On that day I paid $ XXXX. Multiple outreaches to Tresl and manager with no answers. Today is XXXX. 
The seller has not been paid and Tresl provided a timeline of 4-7 days for funding. No payment. No explanation. Rate increase after declining warranty and terrible costumer service.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (FL)

I purchased a {$200.00} visa gift card from XXXX on XX/XX/21 and it was delivered Sunday XX/XX/21. I opened the sealed card and registered it. I went to use it within the hour and it was denied from multiple places, including XXXX. I called the number and the automated response had no option fitting my need not an option to talk to a representative. I called the next morning in hopes it was normal business hours and finally got a representative. The cards entire balance was used up by XXXX XXXX  charges that I did not make nor do I purchase anything from them as I have an XXXX. 
The representative was professional but I had to complete a form disputing the charges and can not use the card for an extended period while they investigated. 
I looked at the XXXX reviews and there are many with then same issue and many more complaints with the XXXX 
The only ones that could have accessed this card would be someone at XXXX or someone at Blackhawk Network Holdings Inc . However, there is no was XXXX would know all the credit card info and the zip code that was used. 
Blackhawk Network Holdings Inc Has a very serious security breech and are making customers jump through hoops to try and get their money back because of the companies inabilities. My information including my name, phone and address would also have been compromised leaving a security risk for identity theft.
Consumer complaint received 2022-06-15
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. (GA)

In accordance with the Fair Credit Reporting Act- XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights.

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (TX)

[ " NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT DECLARATION OF PRIVATE LIEN, RECONVEYANCE, REVESTMENT, LIVING REVOCABLE PRIVATE TRUST, POWER OF ATTORNEY IN-FACT, PRIVATE TTEE 's APPOINTED Live Life Claim According to 15 USC 1615 and TITLE 15 USC 77 ( r ) the securities to cover the payment has already been paid in full via Birth Certificate XXXX XXXX and the back of the Social Security Card XXXX XXXX number being the Payment XXXX, which both XXXX  XXXX and XXXX XXXX file numbers are the reference numbers. The surtey for the principal... I hold stock and that's the B.C. and SSC. Without prejudice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This matter is guilt under the False Claims Act 31 U.S.C ... 3729-3733. This is also defamation of my character and against my SOCIAL SECURITY MORTMAIN VESSEL. My XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, recorded with the XXXX XXXX XXXX XXXX. '' ]
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MO)

During the Pandemic the Biden administration offered a mortgage abatement program for those who were affected by job loss as I was. I took advantage of it. 
When the plan expired I had completed the mortgage program paperwork to have the government send the money for the months I hadn't paid for to the mortgage company. The amount was about XXXX for the two years. 
Near the end of the of the mortgage program the mortgage company offered a loan modification to supposedly help me. We went through a trial period on the mod and everything was ok until they told me that I now could not recieve the money from the government because I was in a loan mod. This mod would take me from XXXX a month motgage to XXXX per month. This fact was never made clear to me up front, so I now feel like I was scammed. The paperwork for the government payment came in about this time and the mortgage company refused payment. Now they expect me to make a payment that I can't handle because I'm on a fixed income. I refused the sign the final paperwork on the loan mod because of this. However the mortgage company is following through as if I had signed the paperwork.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX  XXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (AL)

In XXXX of 2022, I received an alert on my credit report for a company called Southern Management Systems for an apartment complex in Florida called XXXX XXXX XXXX. I have never lived nor applied for an apartment complex in Florida, and I dont know why it is showing as a collection on my credit. I reported it to the bureaus, and they say I did it. However no one has shown proof that I physically went there in person to apply for these apartments. I have a police report out of my current state of Alabama as I am already dealing with identity theft, but this fraudulent report needs to be taken off by this XXXX  company.