davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Due to a money transfer routing issue, Citizens Bank did not receive funds before the mortgage due date. Instead of calling or emailing me to simply correct the routing issue, they reported the delayed payment to the credit agencies. The issue on my end was immediately corrected when brought to my attention and has nothing to do with my ability to make the payment or my credit worthiness. That Citizens did not contact me is a violation of their own internal policies as confirmed by two of their call center representatives. My suspicion given the wait times for representatives ( in excess of 45 minutes ) is that this bank is understaffed making it unable to meet its internal and client-facing service level agreements. While that in itself would be fine in my case, it is unacceptable to also damage a client 's credit because of it. It took no time for this bank to report me to the credit agencies without contacting first, yet it is not promptly acting to correct the issue which is harming my reputation and ability to obtain credit. The call centers at this bank have been useless as they have not escalated this and continue to fail on their internal service level agreements and have still not been able to tell me why I never received a call.
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GFS II, LLC (IL)

XXXX XXXX XXXX XXXX XXXX has reported to my credit bureaus stating I owe {$10000.00} this account was fraudulently open. I have no knowledge of this account and would like it removed. I reported 3 times that this account is disputed .the account was opened on XXXX XXXX. Ive been trying to get it removed still I havent and its reporting bad debt on my credit report
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding continues to try and collect a debt that was discharged twice in XXXX separate bankruptcy cases. The continue to tag my Credit report as though this is some sort of new debt. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-07-09
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. (TX)

I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Credit Agency, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
Violation # XXXX XXXX XXXX XXXX - XXXX HARD INQUIRY XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 
Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 
In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 
Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 
Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a catastrophic injury to my XXXX, I had XXXX surgery XXXX months ago. My pay benefits from XXXX ran out in XXXX of 2015. I was forced to retire at age XXXX. My monthly income has been severely decreased, and I am barely hanging on to my home. I reached out to Keep Your Home California ( KYHC ) for help. KYHC found that I am eligible for a principal reduction. I order to get a principal reduction, I must work with my loan servicer, Bank of America. Bank of America is refusing to give me a loan modification thru their Hardest Hit Fund- Principal Reduction Program. My eligibility with KYHC will expire on XXXX XXXX, 2015. I have sent in evidence of my physical condition, doctors verification, pension award letter and more. Bank of America is unwilling to help. Bank of America is insisting that I commit to a short sale, or keep the Balloon ARM mortgages that I have with them. The same type of mortgage that I had with Countrywide. I am current on my mortgage payments for now, however I am not sure how long I can keep up with these payments. My second mortgage will increase next month. I really need help with Bank of America before it is too late.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (MI)

I received a mail notification from Discover explaining that an attempt to open a bank account in my name occured on XX/XX/XXXX. As a result, the fraudulent applicant could not verify required information, and the application was denied with an ongoing investigation. There has been several attempts within the past three to six months successfully applying for credit cards, hacking my credit websites, redirecting current credit cards, email, and voicemail. As a result, I have put in place a security freeze on XXXX XXXX and all three credit bureaus along with two-step verification processes.
Consumer complaint received 2023-03-29
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)

I have expressed to XXXX XXXX credit card company that they were not reporting any accurate information. This is a fraudulent account and it has ruined my character. I have requested in writing by mail certified that they would stop reporting any and accurate information to the cra 's yet and still they are still reporting inaccurate information to the CRA 's. There has not been any information verified according to the CFPB compliance with consumers. All of this is caused by a lot of stress and harm to my well being as far as attaining a home and other essential services.. Please stop violating me as a consumer!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2022-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (IL)

XXXXL J ROSS ASSOCIATES, INC Once again there is no cease and desist in place You bought the debt for cents on the dollar and are trying to make me pay for something already paid for, written off, or not even validated as mine The burden of proof is legally on you I owe you no information and refuse to give such to an unknown company You legally can not collect this as stated before. You legally can not have this on my report UNTIL it is agreed to be mine as stated before If you disagree send me a summons or remove it because I have all LAWFUL PROOF to back my claim. You never even tried to communicate with me not 1 voice-mail or anything EVER I have AMAZING credit so I know this is XXXX
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

Received collection notice from Midland Credit Management regarding amount owed to XXXX XXXX MCM Account number ( XXXX ). I have never had an account with this agency. I sent several letters to Midland requesting that debt be verified. Midland response did not provide proof of debt. The company could not provide any legal documents bearing my original signature on application with the company binding any legal obligation. I did not give permission to any creditor for my HIPPA information to be sold from to a debt collection agency. I have requested that Midland Credit Management remove this negative item from all credit reports as derogatory debt.
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-19
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. (PA)

________________________________________ EXPERIAN/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 XXXX  _________________________________ XXXX. XXXX XXXX XXXX  IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ... 
THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (MI)

On XXXX XXXX, 2016, I tried to make a reservation at the XXXX XXXX XXXX. I was offered a {$50.00} credit if I applied for the XXXX Credit card which is through Chase Bank. The credit card application asked for my social security number, annual income, and employer. I was approved within minutes. I went back to use the XXXX Rewards Card to pay for my reservation and was unable to use it because I did not receive a number. I had the last XXXX digits only. I called Chase Bank and was told they would not give me the card by phone and I would have to wait for it to come. That meant that I could not use the Credit Card with the reservation, I could not earn XXXX points towards a free nights stay nor was I eligible for the {$50.00} off that they advertised. I closed the account immediately and the website no longer shows my account number. It ssays " Your account is closed and no longer available for use. '' This has also happened with XXXX XXXX when I tried to purchase a flight.
Consumer complaint received 2022-07-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (TX)

Alphera Financial Services is the original creditor. They have me owed for XXXX that is not my debt. The date of activity is different across the bureaus. I have reached out to all 3 major credit bureaus ( XXXX, XXXX, XXXX ) and disputed this account. XXXX removed the account but XXXX and XXXX are still reporting this inaccurate information. Can you please investigate this matter.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NY)

Beginning on XX/XX/XXXX there were fraudulent charges that appeared on my debit card account with PNC. As soon as I noticed the charges I reported them to PNC. The charges were made in geographic locations FAR from my home that I have never been to in my life. I DID NOT LOSE my debit card, I still have it in my possession. I filed a police report as instructed. The accounts summed to roughly {$3900.00}. PNC has refused to reimburse me even though THEIR system was hacked. When I logged onto my account after seeing the fraudulent charges, someone had added an authorized phone number on my account. I have proof I was at my job in XXXX at the time of the purchase. I have proof the card was still in my possession. PNC told me to reopen my dispute I needed to travel to the location where the fraud took place and retrieve security footage to prove I wasnt the one who made the purchases.
Consumer complaint received 2022-01-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CO)

Complaint : Rocket Mortgage failure to itemize Appraisal Fee and XXXX XXXX XXXX ( AMC ) Fee separately on provided Loan Estimate and Closing Disclosure for an FHA Mortgage. Rocket Mortgage purports that the AMC was lumped into the Appraisal Fee ( which is illegal per 12 CFR 1026.37 ( f ) ( 2 ) and 12 CFR Part 1026.38 ( f ) ( 2 ) ). In addition, AMC fees are not excluded from the definition of " finance charge '' under 1026.4 ( c ) ( 7 ) ( iv ) - which can result in discrepancy of the APR. 

Timeline : XX/XX/2022 Rocket Mortgage provided a Loan Estimate to me which included an XXXX XXXX of {$1000.00}. No XXXX XXXX XXXX Fee. 

XX/XX/2022 Rocket Mortgage provided a Closing Disclosure which only included an Appraisal Fee of {$1000.00}. No XXXX XXXX XXXX Fee. 

XX/XX/2022 FHA Appraisal conducted. 

XX/XX/2022 FHA Appraisal Report issued to me with the final Appraisal Fee of {$800.00}. 

XX/XX/2022 Rocket Mortgage charges my credit card for {$1000.00}. 

XX/XX/2022 I sent an email to my broker regarding the incorrect charge and refuted the charge as unauthorized with my bank. The broker communicates this to Rocket Mortgage. 

XX/XX/2022 Rocket Mortgage responds by email to the broker that the charge was correct and the fees were disclosed according to " guidelines ''. 

XX/XX/2022 I respond to the broker with the following : I've included the LE and CD which were provided to me and highlighted the sections titled " Services You Can Not Shop For '' and " Services Borrower Did Not Shop For '', both specifically cited within 12 CFR Part 1026.37 ( f ) ( 2 ) and 12 CFR Part 1026.38 ( f ) ( 2 ), respectively, that a lender must separately itemize Appraisal Fee and XXXX XXXX XXXX fee on the XXXX and XXXX in the highlighted sections. 

I am already past opportunity to receive my earnest money back and my closing date is XX/XX/2022. Pursuing another lender at this point guarantees I would not be able to make the current closing date. The only option I am now left with due to Rocket Mortgage 's discrepancy is to either continue business with them ( knowing they've blatantly acted illegally ), or lose my earnest money, inspection cost, appraisal cost, and potentially the home itself if the sellers aren't amenable to extending closing to allow time for me to find another lender who will likely require a new appraisal. 

Attachments include : XXXX ) Email chain with broker and Rocket Mortgage ( Lender ) XXXX ) Loan Estimate provided XX/XX/2022 XXXX ) Closing Disclosure provided XX/XX/2022 XXXX ) Appraisal Report with final Appraisal Fee
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY (TN)

We reported our card lost to Target. It has been several months and we thought by now they would have issued new cards and fixed the issue. But instead they have locked us out of our account, so we can not access it at all!! We can not make payments us we call in. We can not even see what our account number is!! On your statement they give you an account identification number instead. They have treated us like criminals ever since we lost our cards during our move. They told us we had to fax our driver 's license and social security cards to them for proof of who we are. I refuse to send that information to them over a fax. Something similar happened to me before with another card and they just cancelled the old card and issued a new card. Then they put a security measure on my account that I would get a text each time a purchase was made. They were very nice. But that was XXXX XXXX and not just a department store like Target. I am furious they are treating us like criminals!!
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (IN)

Reviewed most recent credit report from Equifax and i noticed an inquirie that did not belong to me.After reaching out to the creditor i was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA i was meant with push-back even though i expressed the inquirie in questions did not belong to me and the creditor agreed the inquirie is not mine attached to any file or application they have with my personal accurate information. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I have been a customer of Synchrony Bank since my first Belk card in XXXX. Since then, I have maintained several Synchrony Bank cards ( Amazon, PayPal, Lowe 's, Belk, TJMaxx, Dick 's Sporting Goods, JC Penney, Old Navy, XXXX XXXX, Sams & XXXX XXXX XXXX ( XXXX ) with payments always over the minimum requirement with sometimes two payments per month. I went to make a small purchase at XXXX on Saturday, XX/XX/XXXX & was surprisingly declined & found out from the store clerk that the account had been closed. We also were making a small purchase at Lowe 's & was also declined. Lowe 's looked up my account on another  register & discovered the account had been closed. After I became concerned, I called Synchrony/XXXX first & they told me the account had been closed on XX/XX/XXXX. I received two letters today -- one regarding my JC Penney account ( attached ) & a letter ( attached ) regarding my Synchrony / Conn 's account ( with a {$7000.00} limit ) which has been paid off since XXXX. Synchrony / Conn 's stated that they closed my account due to non-use. Not only has this caused a severe inconvenience, but it has also seriously impacted by credit score. This past XX/XX/XXXX, we made large payments to some of these accounts to ensure the balances were lowered. I have worked very hard to establish my credit & feel my credit on these accounts should be reinstated. These cards have not been abused in any way, some with little or XXXX balance.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (IL)

I received this card through the unemployment of Illinois services key bank has locked the card and lied saying the Illinois Department of unemployment services locked the card Ive spoken to management at the Illinois Department of unemployment services they assured me that they didnt put anything on my account in regards to stopping my payments or locking my card since then Ive been getting the run around from key saying that didnt lock it they are lien and giving me the run around The unemployment department has written notes to management about this the issue is that I need my funds unlocked and that key bank is lien and refusing to unlock them