davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

The original owner of the mortgage was my sister, XXXX XXXX XXXX who passed away on XX/XX/XXXX. In her will, she designated me as her Successor/Trustee prior to her death. The POA was effective XX/XX/XXXX. 
Since then, I have tried to communicate with Quicken/Rocket Mortgage that I am the successor/trustee and have submitted the legal documents as were given to me by my sister 's attorney. 

I also submitted the unrecorded grant deed to the XXXX XXXX because the County Recorder took many months to return the deed to me. I was willing to resubmit the recorded when I received it if Quicken/Rocket requested it. 

The recent submissions to Rocket Mortgage on XX/XX/XXXX were : ( see all attached ) Certificate of Trust Successor, Certificate of Trust Pursuant to Probate, XXXX ( notarized ) ( Notarized sheet ) Declaration Pursuant to XXXXProbate Code Section 13100 Original Declaration Pursuant to California Probate Code Section 13100 The final letter I received dated, XX/XX/XXXX, states " We are unable to confirm you or the potential successor you am representing as a successor in interest at this time for the following reasons : Quicken is asking for all pages of the Trust Government issued ID 's for beneficiaries ( of which they only have one of the childen 's ). The children are under the care of the guardian mother and they have failed to respond to my requests for their ID 's. I was told by Quicken that the children failed to respond to Quicken 's request for their ID 's, last year. 

As Quicken is refusing to recognize the Attorney 's legal documentation giving me the right to act on the behalf of the XXXX, I fail to see how their seeing the Will is going to guarantee their willingness to speak with me. I still can not force the children or their guardian mother to send the ID 's to Quicken/Rocket Mortgate. 

I am protesting Rocket Mortgage 's request. I have asked repeatedly for someone to speak with me regarding this loan. They have refused informing me they are not authorized to speak with me. I have received the legal documentation giving me the right to sell the property when the time comes. I also have the taxes paid each year since my sister passed away and records from the IRS that were sent to me to aid in the process of paying her taxes. 
I believe Rocket Mortgage is acting wrongfully against the XXXX XXXX XXXX XXXX XXXX and the children who are the beneficiaries. 
I seek to resolve this problem as an aid to fulfilling my due diligence to my sister 's will. 
Sincerely, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az ( XXXX ) XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moiharwin Diverisfied Corporation (NV)

On XX/XX/2022 at XXXX am PST I received a voicemail from XXXX by an individual identifying themself as XXXX from XXXX XXXX XXXX XXXX. I've never been contacted by any debtholder that I am past due or owe a debt. XXXX asked me to call back and provide my information.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (MN)

On XX/XX/XXXX, there was an unauthorized charge of {$13.00}. My account went negative then followed by an overdraft fee of {$34.00} from Citibank. I contacted the merchant about the charge, and they refunded me due to their mistake. I called Citibank to dispute the overdraft fee and they refused to approve my request. I explained the situation based on the nature of unauthorized transaction. They did not care at all. They suggested to contact the merchant to reimburse the fee because it was their fault. I'm out of words.
Consumer complaint received 2022-04-19
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: Stellantis Financial Services US Corp. (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-04-19
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: General Motors Financial Company, Inc. (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2021-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX XXXX XXXX XXXX XXXX  This is not mine.

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

8. Identity Theft XXXX  Account Number : XXXX  This is not mine.

9. Identity Theft XXXX  Account Number : XXXX* This is not mine.

10. Identity Theft CAPITAL ONE Account Number : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine.

12. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

13. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

15. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

16. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

17. Identity Theft XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  This is not mine.

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine.

19. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

20. Identity Theft XXXX  XXXX XXXX XXXX XXXX  This is not mine.

21. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is not mine.

22. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

23. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not mine.

24. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

25. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

26. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

27. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX This is not mine.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOUTHSTATE CORPORATION (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Amount : negative XXXX dollars and XXXX cents {$19.00} I HAVE NEVER USED THIS MERCHANT CARD WAS NOT AUTHORIZED FOR XXXX CARD WAS NOT PHYSICALLY PRESENT SOUTHSTATE BANK NOTIFIED OF FRAUD WITHIN MINUTES OF UNAUTHORIZED CHARGE ON XXXX XX/XX/XXXX IN RESPONSE TO TEXT MESSAGE TO ME FROM SOUTHSTATE BANK.

SOUTHSTATE BANK ISSUED PROVISIONAL CREDIT : XX/XX/XXXX Provisional Credit XXXX Amount : XXXX dollars and XXXX cents+ {$19.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX RETURN XX/XX/XXXX XXXX Amount : XXXX dollars and XXXX cents+ {$19.00} ; IN THANKING YOU FOR YOUR ATTENTION AND ASSISTANCE, I AM XXXX XXXX
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC (MI)

I am supposed to close on my mortgage loan with Mortgage Center on Thursday XX/XX/XXXX per my purchase agreement with the seller. My realtor and I were unable to contact them last Thursday and Friday after multiple attempts to multiple employees ( processor, manager, main line ) to ensure everything was received on time. 

Yesterday, XX/XX/XXXX, Mortgage Center said they did not receive documentation from the title company that had been sent on XX/XX/XXXX. 

Today, XX/XX/XXXX, they told me I needed more money in my bank account without disclosing all the numbers. I went and got a check and gift letter from my father to put into my account within an hour of receiving this notification even though I surmised I had enough money. 

An hour later Mortgage Center gave me my predisclosure which showed my {$990.00} homeowners insurance that I prepaid as a homeowners association fee that I haven't paid. The predisclosure also did not show my {$5000.00} earnest money deposit. I notified Mortgage Center to fix these two issues and they emailed me that I need to sign the form or I will not be able to close on XX/XX/XXXX ( a day late ). I told them I would not be signing an incorrect form and the changes should be made. Furthermore, when these changes are accounted for, I did indeed have enough money without asking for my dad 's check or gift letter.
Consumer complaint received 2022-04-19
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account # XXXX has violated my rights. 
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.

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, other than record 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.
Consumer complaint received 2022-04-19
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. (GA)

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, Account # XXXX has violated my rights. 
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.

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, other than record 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.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I purchased a trial of XXXX XXXX at the cost of XXXX dollars on their website. the site kept trying to upsell me on more bottles. I kept saying no but when I look at my account a whole other amount. I have been waiting it has been more than three months. Please Assist
Consumer complaint received 2022-04-19
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. (NJ)

Incorrect Name listed : XXXX XXXX The only name that should be listed is XXXXXXXX XXXX XXXXXXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX FL XXXX, XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX - only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ** Multiple credit pulls : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. This marks my multiple attempts to rectify this issue, and it is essential to address this matter promptly and effectively. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 

If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$3300.00}.
Consumer complaint received 2023-08-09
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (FL)

A cancellation of Lis Pendens was recorded by Citimortage , Inc. on XX/XX/2013 in XXXX XXXX County. A satisfaction of same was also noted and recorded. 

Please remove this erroneous information from our credit report in a timely manner. 

Thank you.
Consumer complaint received 2021-08-25
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-04-19
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: DriveTime (NV)

I spoke with a representative of this company and I was promised that the inquiries made on my credit reports would be removed from my credit reports from 2021. This company never honored their word and removed the inquiries.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XX/XX/XXXX
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On Tuesday XX/XX/2022 I noticed that my water bill payment did not go through, I logged in to check my account and everything looked ordinary. I called Chase support and I was instructed to provide an XXXX. I completed a XXXX and faxed it to the provided number coupled with my identity documents. 

On Thursday XX/XX/XXXX, I noticed that my online account had a message under my credit cards " Your account is locked ''. I called, I was then told that I needed to go to a branch to complete a XXXX. I went to my local branch, we completed the XXXX and I was told XXXX hours. 

On Monday XX/XX/XXXX, I still had the same message on my account. I called and I was told that I had to go to a branch. I went to the branch and I was told my account was pending closure and that " compliance '' needed more information that what was originally given, notably a scanned copy of my social security. We completed another XXXX along with other forms they could not disclose - with copies of my identity documents and XXXX. I was told XXXX hours. 

On Tuesday XX/XX/XXXX, my account is no longer listed, I have an alert for a {$0.00} balance- and I have no communication as to where my money is. 

I will spare unnecessary details ( delaying my marriage ) but I would like to note that at no point was I ever contacted by phone, email, secure message, mail or in-person ( at the bank ) about my account and the requirements. I have been a customer for 15 years and always kept my account in good standing. The compliance team on the phone were never helpful and often provided incorrect information ( stating that I can fax the document ). I had to consistently make contact to them ; I was respectful and provided all necessary information in a timely fashion. I did not receive any communication from them. 

I would like to know the reasoning behind this seemingly abrupt closure of my account which has been in good standing for 15 years. I have omitted names, employee numbers and transcripts for the sake of brevity.
Consumer complaint received 2023-10-19
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. (FL)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -TransUnion XXXX -- - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
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: Experian Information Solutions Inc. (TX)

Experian, XXXX, and XXXX is reporting an account which does not belong to me with XXXX XXXX XXXX for {$66.00}. I have never had an account with this firm. The credit reporting brokers have not removed the account despite my disputing it. THIS CAUSED A Major drop in my credit score rating.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MD)

Recently I received XXXX mails from Chime Bank, XXXX is a checking account # XXXX and the other a visa credit card # XXXX. These XXXX cards are in my previous married name which I haven't used since XXXX. I did not authorize Chime to open any accounts and strongly believed that I am under Identify Theft or a scam. I made a few attempts calling Chime at XXXX and just got recording of their the different services offered. 

All three credit bureau accounts have been frozen since XXXX and only unfreeze temporarily when I am about to get credit of some sort. I don't know what method Chime uses to open accounts in people 's name. I required a full explanation on what and how they did it. 

Checking Account # XXXX Routing Number XXXX Credit Card # XXXX
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored every time I reached out. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the fair credit reporting act. This is not right and I am now getting impatient because I feel like I am getting taken advantage of.