davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank N.A., HELOC lender, did not notify me by email, phone, or hardcopy requiring signature of impending adverse reporting to credit bureaus when automated payment on the loan failed. In doing so, bank violated the notice requirement of the FCRA. Bank had been notied of very poor USPS rst-class service at my address, which made reliance on this means of communication unreliable and undesirable, but bank continued to use this means exclusively, although it had my email address and phone number. Bank continued to report nonpayment on the loan to credit bureaus monthly for almost two years, destroying my credit record. I discovered this only when I received a foreclosure threat from the bank 's attorneys, which I did receive. This has now happened in two sequences. On the most recent occasion, the nes charged were around {$1000.00}. Bank 's online systems also keep changing without notice. The last website through which I set up automatic payment on the loan is not online ( its domain name does not resolve ). The loan portal site suggested by XXXX XXXX redirects to a site that's not online when " Home Loan '' is selected from the portal 's menu. As a result, I don't even know how to render either the past-due or future amounts. My account on the original website from which it was administered was closed without notice on a prior occasion. My request to speak to " the Chairman 's Escalation Ofce '' was rejected.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (NY)

Two times, from XX/XX/XXXX thru XX/XX/XXXX, a hard inquiry was placed on my personal credit file. First, by XXXX on XX/XX/XXXX, initiated by XXXX XXXX. Second, by XXXX   XXXX XXXX on XX/XX/XXXX, initiated by QUICKEN LOANS. Both instances involved repeated solicitations by both XXXX XXXX & QUICKEN LOANS, offering me lower mortgage refinance rates. I never gave either of them permission to run my credit and actually had a XXXX XXXX " customer care team lead '' named XXXX XXXX, agree to remove the inquiry via XXXX on grounds that they didn't have my authorization. I have saved email correspondences with signed agreements that they NEVER honored. I have tried to follow up with XXXX XXXX   via email to XXXX XXXX twice in XXXX, XXXX, but to NO AVAIL. QUICKEN LOANS is the most disturbing because I have an existing mortgage with them and they ran my credit without my authorization after soliciting my business thru repeated cellular phone calls. I asked them what interest rate I could qualify to refinance my existing mortgage WITH THEM for and they NEVER told me they were going to run a hard inquiry on my credit. I tried MANY times in the Fall of XXXX to have them reverse the inquiry and they were EXTREMELY RUDE and UNAPOLOGETIC. That's not the way to treat someone who is an EXISTING CLIENT and has a XXXX mortgage with your company! I am currently in the process of refinancing and having another bank buy out my mortgage from them. They will NEVER see my business EVER AGAIN. I only submit this dispute with you because I have XXXX credit and their inquiries have actually damaged my credit. I hope that these two companies will come to their senses and just GIVE UP their predatory & usurious conduct. This is not what this country needs right now. We need HONEST people helping eachother, not PREYING and damaging their economic viability. Thank you.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXXXXXX XXXX  XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX Balance : {$6600.00}, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX TX ) XXXX Balance : {$1500.00}, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$14.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$5.00}, XXXXXXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$540.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-12
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (NY)

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-12
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. (TX)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX Balance : {$6600.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$1500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$14.00}, XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$5.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

PHH Mortgage XXXX XXXX services my mortgage. I paid my account one day early and they misapplied my payment as a principle only payment. They are unable to correct this problem. It has been over a month and they still haven't resolved the issue. I have called every day to ask about a status update with no new news to report. 

The reason this is a huge problem is because I am in the middle of refinancing my loan and unable to get a payoff quote. The loan was supposed to close today and they are unable to fix the problem. This is causing me money because I have paid for a rate lock and I am not able to close on my new load.
Consumer complaint received 2022-08-12
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. (CA)

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, in amount of {$7400.00} 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 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have attached the discrepancies with these accounts from my credit report. The information is inconsistent and illegal. These accounts should be deleted immediately.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

MIDLAND CREDIT MANAGEMENT at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been sending me notices in the amount of {$610.00}. The collection has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc. (OH)

KIKOFF LENDING LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been sending me notices in the amount of {$21.00}. The account has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (VA)

I opened a checking account with Chase in XX/XX/2018 under a promotion where I received a bonus for setting up an ACH. I provided the bank with a promo card that permitted me to maintain a fee-free account as long as I maintained the direct deposit. 

There was no problem for the first few months, but in XXXX I began to receive a $ 12 monthly service fee. I didn't notice the fee because I set up the account as a side account which I would have a small part of my paycheck go into. The first year shows only ACH deposits. Upon learning about the fees, I called Chase and was told that they could only reverse 4 monthly fee charges on the phone and that I would have to go into a branch to get the others reversed. Additionally, I was told that I was charged because I didn't have {$1500.00} in my account. When I noted that I was not charged for 4 months initially even though I didn't have a {$1500.00} balance, there was no explanation. I was told it would not be a problem to reverse, I just had to go into the nearest branch. 

The representative also suggested that I put money into the account to be on the safe side. I attempted to do a transfer from my XXXX XXXX bank account, but experienced technical issues on the Chase side. After calling a few times, I was finally able to get someone at Chase to fix the technical issue and I was able to do an electronic transfer. 

When I went into the XXXX, VA Chase branch, the manager laughed when I told him the story and he told me that he couldn't reverse the charges and the customer rep probably knew that and just wanted to get me " off the phone ''. He said he would not be able to assist me with the fees.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have attached the discrepancies with these accounts from my credit report. The information is inconsistent and illegal. These accounts should be deleted immediately.
Consumer complaint received 2022-08-12
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: AMERICAN EXPRESS COMPANY (NY)

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMEX XXXX AMEX XXXX AMEX XXXX
Consumer complaint received 2022-08-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

There are 3 hard inquiries on my reports from Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for any credit cards. I spoke with Bank of America. The credit application has all my personal information but is using a different phone number and possible different address.
Consumer complaint received 2020-05-30
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THIS SITUATION IS BEYOND MY CONTROL AND I AM TRYING THE BEST WAY THAT I CAN TO GET IT RESOLVED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-05-29
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2022-08-12
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. (TX)

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 my account without written instructions. 


Transunion was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
XXXX Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
XXXX has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.