davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage is my mortgage loan servicer. My loan number is XXXX. 

My mortgage was approved for a loan modification on XX/XX/XXXX, after coming out of a mortgage forbearance program due to COVID. 
Loan modification documents were signed, witnessed by a notary. 

On XX/XX/XXXX, I XXXX aboard XXXX XXXX aircraft XXXX for a 7 month XXXX. Shortly after departing, my wife informed me that Rocket Mortgage needed us to re-sign the documents due to a maturity date error. While XXXX, it is difficult for me to send/email correspondences back and forth due to restricted internet bandwidth on the ship. 

Prior to departing for XXXX, I left my wife a Power of Attorney ( POA ) to make decisions on my behalf, however, whenever she would send it when requested by Rocket Mortgage, they had difficulties receiving it. 

Months went by and the updated loan modification documents were never signed, yet we made our mortgage payments on-time since XX/XX/XXXX, per the guidelines of our originally approved loan modification approved in XX/XX/XXXX. 

On XX/XX/XXXX, I returned from my 7 month XXXX and as I called Rocket Mortgage to schedule my payment for XX/XX/XXXX, I was informed that the loan modification previously approved for was now null and void, and that my account had reverted to being Past Due and would be reported to the credit bureaus in an adverse manner. I did not receive anything in the mail or an email providing one final warning/notice prior to deeming my loan modification as a Failure. Despite begging Rocket Mortgage to work with me, they proceeded to report my account in a negative manner which dropped my credit score OVER 100 POINTS! 

Again, to re-cap, since the approved loan modification, we had made every single mortgage payment on-time every month since XX/XX/XXXX. Annotating my account as past due was unfair to say the least. This has affected my finances SIGNIFICANTLY and my ability to apply for any loans with a decent interest has now been impacted the next 7 YEARS! 

I believe my situation has been handled in an unfair manner, and despite being XXXX protecting our nation, I felt no consideration given with my circumstance.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Applied for car said was going to run XXXX and ran all these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (CA)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. I tried disputing these 2 debts with XXXX and Transunion. I settled these 2 debts through a 3rd party made all payments on time as agreed and paid off. I was unable to get information from XXXX with the account numbers that are reporting on credit report. I have been disputing this with XXXX and TransUnion but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Consumer complaint received 2023-06-24
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (NJ)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 item 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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

Discover Card is a fraudulent company that needs to be investigated. XXXXXXXX XXXX has charged me twice for two services not rendered and instead of doing a sufficient investigation and returning my money- Discover Card is saying that vague explanations of the charge suffices. The charge says " for passage ''. What does that mean? No one knows because I prepaid for everything before the cruise.
Consumer complaint received 2023-08-03
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)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1.15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-03
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: Bread Financial Holdings, Inc. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Seation 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-08
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. (TX)

According to sec 611 ( 15 u.s.c. 1681 ) i and metro 2 compliance standards I have the right to challenge all inaccuracies and deficiencies of reporting. The information that is being furnished was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date or validated.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On Sunday XX/XX/XXXX my husband made a {$5000.00} payment on our USAA credit card on the USAA mobile app. I can see on the mobile app that the XXXX was applied because my card balance dropped by {$5000.00} from the last statement issued on XX/XX/XXXX. My available credit should be approximately XXXX ( verified with phone agents XXXXXXXX XXXX XXXX  and XXXX # XXXX ) yet a purchase of {$100.00} was declined due to lack of available balance. After 50 minutes on the phone with XXXX and repeatedly put on lengthy holds so she could research and fix, XXXX escalated the call to a member services specialist ( XXXX ). After being on the phone for 1 hour and 33 minutes Im nowhere. XXXX said she can see the {$5000.00} on the transaction history but the money did not credit to my account. I can see my balance changing on the phone app, reduced by {$5000.00}. I asked XXXX to escalate to a supervisor and she refused, stated supervisors dont take calls and I have no other resource than a research ticket. The only way XXXX would put in a ticket to research is if I proved the money was withdrawn from my bank account. I certainly understand providing proof of payment IF the payment was made by check or I somehow pushed the money to USAA. BUT, given this {$5000.00} payment was made on THEIR mobile app, why cant a customer service representative open ticket to find out why the payment made on THEIR app is on the transaction history but didnt get credited. Why wont USAA research to find out why their mobile app is not crediting this payment- if the payment wasnt credited then their app is not working properly. And I do not believe the money wasnt applied, if it wasnt the balance on the app would not have been reduced by {$5000.00}. This may be a case of untrained agents. Im also asking for an email address to send a presidential complaint and Im told there is no email for a President complaint and I can only make a complaint with member services. Total time on the phone was 1 hour and 40 minutes.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

For some reason, the CFPB prematurely closed the case when this was not concluded business. Your response to my initial complaint is not directly addressing what was asked of you. My complaint does not pertain to my individual Costco Anywhere Visa Card by Citi account ending in XXXX, but rather to the broader relationship between Citibank, N.A., Citibank Credit Card XXXX XXXX ( XXXX  ), and XXXX XXXX XXXX XXXX XXXX. As per the latest XXXX  prospectus and the Indentured Agreement, there is an established relationship between these entities. The Prospectus Dated XX/XX/XXXX, clearly states that Citibank, N.A., a national banking association, is the sponsor and depositor of the master trust and the issuance trust. It also indicates that XXXX XXXX XXXX XXXX XXXX, a New York banking corporation, is the trustee of the master trust under the pooling and servicing agreement and the trustee under the indenture for the notes. This information can be found under The Master Trust Trustee and The Indenture Trustee sections, and on Pages 11 and 220 of the Prospectus. The inquiry I gave is not related to my personal credit card account or its associated credit reporting. Rather, I am seeking transparency and access to the most recent information regarding the corporate indentured trustee signee for the latest agreement between these entities. This information is not currently up-to-date and is not readily available to the public, which is a concern for investors and noteholders that goes against the Trust Indenture Act 1939. In the most recent 10-K filing dated XX/XX/XXXX, XXXX XXXX and XXXX XXXX are listed as signatories, but not in the capacity of corporate indentured trustee signees, merely as corporate trustees. This lack of clarity leaves investors without a clear communication channel as noteholders and gives the appearance of withholding such information due to a potential conflict of interest to the beneficiaries of the trusts as noteholders in not disclosing this. Your prompt attention to this matter is needed and I look forward to an update soon. The lack of transparency in this matter is concerning and contrary to the principles of fair and open financial markets.
Consumer complaint received 2023-06-24
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. (AR)

I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? These mentioned items should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following companies have failed to respond to me in the 30 day window that was allotted to them to investigate my request of the items that are reporting inaccurately. The companies are XXXX, XXXX and TransUnion!
Consumer complaint received 2023-06-24
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-24
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. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXXXXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : XXXX XXXX XXXX, Account Number XXXX. 
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

I gave notices to Navy Federal to cease and desist all forms of communication to include written and electronic mails with consumer reporting agencies to comply with fair credit reporting act requirements for late payments and to comply with the protections of the consumer to whom the report relates.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i am having trouble with my mortgage and my equity loan with BOA. They converted my mortgage with my equity loan and still charge me separate for an equity loan that I know nothing about it I tried to call them on several occasion trying to clarify this issue I ca n't get any answer from the loan officer or mortgage manager Now BOA is trying to foreclose my house or ask ask me to do a short sale on m, y house while I am still paying my mortgage. every month
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX : XXXX XXXX # XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the XXXX that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX XXXX - XXXX