davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Rocket Mortgage, LLC (OH)

XXXX XXXX XXXX was working with Rocket Mortgage on the purchase of a new home. XXXX XXXX ( XXXX, XXXX XXXX ) in Rocket Mortgages closing department reached out on XX/XX/XXXX  letting me know he would be handling our closing paperwork and making sure we were clear to close. This appears ligament. Once we were clear to close ; closing was handed off to Rocket Mortgages closing department with XXXX XXXX XXXX XXXX, XXXX XXXX ). The last correspondence with XXXX XXXX was on XX/XX/. 

On Monday XX/XX/, I received and email from what appeared to be XXXX XXXX but I unfortunately did not catch the incorrect email nor change in phone numbers in the email. This person who I will refer to as XXXX for XXXX XXXX XXXX ( XXXX, XXXX XXXX ) posed as XXXX knowing my closing was coming up this week on XX/XX/XXXX   and requested that I do a Wire Transfer on Monday XX/XX/2023 ASAP so the fund would be at the title company XXXX XXXX XXXX XXXX for when we signed our closing paperwork today, Thursday XX/XX/2023. 
I did not get to XXXX XXXX XXXX, XXXX, Ohio office until right before XXXXXXXX XXXX. We setup the wire transfer to occur Tuesday XX/XX/2023 morning. XXXX XXXX XXXX  processed the transfer around XXXXXXXX XXXX on Tuesday XX/XX/2023. We even email the real XXXX XXXX at Rocket Mortgage that the wire transfer was in flight and monitor for it which he acknowledged. 

On Thursday XX/XX/2023 at XXXX XXXX XXXX XXXX, signing the closing paper work it was mentioned about the wire transfer and we let them that it happened on Tuesday XX/XX/2023. The XXXX XXXX XXXX went looking for the funds and it was not received. Then upon investigation we discovered that we had been fraudulent financially scammed out of down payment. 

We have all the email to back this up. I appears that Rocket Mortgages email system has been hacked. Why do I say that. I have emails from XXXX XXXX and XXXX XXXX where they stated that they were having email issues and emails were not received. When the emails were resent then they were received on the second try. This is likely where the Hacker intercepted ( my suspicion ) these emails. Also the email received from XXXX on Monday had many details that would otherwise not have been know and XXXX did a very good job of making this look like a valid and real wire transfer. 

Please contact me at XXXX for with any questions, details and documentation. 

At this point as of XXXXXXXX XXXX XXXXXXXX on Thursday XX/XX/2023 we are without the funds from the wire transfer. 

Amount of the wire transfer was $ XXXX dollars.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

I HAVE A CONVENTIONAL MORTGAGE THROUGH PHH MORTGAGE. I WAS GRAVELY ILL WITH TWO ( 2 ) BOUTS OF XXXX  WHICH LEFT ME WITH MAJOR MEDICAL ISSUES, XXXX XXXX AND XXXX. I APPLIED FOR A LOAN MODIFICATION UNDER " CARES '' AND REQUESTED A MODIFICATION WITH FOREBEARANCE AND A LOWER MONTHLY MORTGAGE PAYMENT. 

PHH GAVE ME A 3-MONTH " TRIAL MODIFICATION '', WITH A MUCH HIGHER MONTHLY PAYMENT WHEN I WAS BARELY BACL TO WORK. TALKING TO THEM, THEY SAID THERE IS NOTHING ELSE THEY COULD DO AS THEY WERE " ADDING THE ARREARS PAYMENTS '' TO MY MORTGAGE NOW!!! AND MAYBE HIGHER AFTER I PAY THE LAST OF THE THREE TRIAL PAYMENTS. 

I AM STILL VERY ILL AND CAN NOT PAY THE $ XXXX PAYMENT. I HAVE TRIED TO WORK WITH THEM TO ALLOW A LOWER PAYMENT OR BETTER MODIFICATION. THEY SAID NO -- SELL THE HOME. 

IT IS MY FAMILY HOME OF XXXX -- WE HAVE TO STAY. I CAN PAY {$4000.00} MAX BUT NOT THEIR MUCH HIGHER PAYMENT THEY ARBITRARILY GAVE ME...
Consumer complaint received 2023-11-03
Product: Credit reporting 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. (TX)

Please remove XXXX XXXX XXXX Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NY)

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach XXXX via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my XXXX  report but they were not authorized by me and are a result of the identity theft I am suffering. Discover Bank
Consumer complaint received 2023-05-09
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)

I want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus items that are the product of suspected identity theft removed from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$610.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-24
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. (GA)

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, with inaccurate amounts and dates being reported.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00}. 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 2024-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I realized on XX/XX/XXXX at least a checking account with Chime had been created in my name. I had been receiving emails from Chime about an account earlier but assumed it was spam because I hadn't created an account. Then I received notice that accounts had actually been created using my email account. Although Chime closed the account on XX/XX/XXXX, they have refused to provide me any information about what information they have on me or what information was used to apply or how they verified and associated my email address with a fraudulent account. I provided them with an FTC identity theft report, pictures of my drivers license, and SSN which they claimed they needed to provide me more information. However, they still refused to provide me with additional information. They have an AI email responder that is not helpful and I have been unable to get an actual person to read any of my complaints. I have probably emailed Chime over XXXX times. The latest communication from me was on XX/XX/XXXX. Chime has repeatedly sent me the same checking account statement that does not have the information I am requesting. I have been explicit that I need to see what information they have associated with the account to see what information of mine has been compromised.
Consumer complaint received 2023-11-03
Product: Credit reporting 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. (TX)

Please remove XXXX XXXX XXXX  Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One froze my account because I made too many payments to my Visa. I made/make multiple payments because the credit limit is low and I preferred using this card to get the maximum rewards cash back. They refuse to unfreeze my account at this time because they need to call my banks ( XXXX and XXXX XXXX XXXX ) to verify my checking accounts / debit cards are really mine. They haven't been able to reach my banks with the numbers they have and will not call any other number that may be listed. I've done nothing wrong since these accounts are in my name only and have been targeted for harassment by Capital One due to my prior XXXX XXXXXXXX bankruptcy. I want this restriction removed immediately!
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-24
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. (LA)

I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus Equifax, XXXX and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
Consumer complaint received 2023-12-01
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)

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, N.Y XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-05-04
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: SANTANDER HOLDINGS USA, INC. (OH)

in accordance with the Fair Credit reporting act, They have violated my rights to privacy. 15 U.S. 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 an account without my written instructions if i know or have any reasonable cause to believe that the information is inaccurate.

15 U.S C 1681 A tilted definitions Rules of construction. That transactions are not included in the consumer report. Late payments are forms of transactions. So, by late payments reporting to my consumer report, it is actually a violation of A Fair Credit Reporting Act. Which also means if you have a late payment report to your consumer report it's a direct violation of the Fair Credit Reporting Act
Consumer complaint received 2023-07-07
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: Westlake Services, LLC (TX)

My account with Westlake financial was paid by my insurance company and XXXX  coverages, a XXXX loan was paid, they said it was {$80.00} left over and repeated me XXXX  days late. 
I have tried to talk to Westlake several times but the language barriers and people there are no help, this {$80.00} has cost me a lot of money and time these past XXXX days it has hurt my score XXXX points, and I cant get approved for anything at the moment.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

When paying my mortgage with Triad Financial Services they charge you a {$7.00} dollar " Draft '' fee for each payment. This is not from a credit card or debit card payment. It is for a ACH bank payment. They offer no alternative to avoid the " Draft fee '' and a very vague description of it's use.
Consumer complaint received 2024-04-24
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 U.S.C 1681 sunrise credit service XXXXXXXX XXXX XXXX transunion credit report. XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

This is my XXXX 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. 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 XXXX 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX BANK XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX  XXXX Balance : {$950.00}
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-11-23
Product: Credit reporting 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. (MA)

None of this information is mine, I need it to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX