davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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: PRESTIGE FINANCIAL SERVICES INC (IN)

I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to XXXX and XXXX in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (IN)

I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to Experian and XXXX in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.
Consumer complaint received 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied for a refinance mortgage loan with Rocket Mortgage on XX/XX/XXXX. The mortgage broker XXXX XXXX refused to utilized all my income and W2s due to the amount of time it would take to verify employment. Rocket ended up denying me for unstable income. They did not send me any letter of denial. I then decided to try again with another lender XXXX XXXX. XXXX XXXX approved me for the same refinance home loan. While trying to approve my loan in the FHA system XXXX XXXX was stopped by FHA because Rocket logged unstable income into the FHA system. XXXX XXXX requested that I contact XXXX to have this updated. I called rocket several times and spoke with XXXX XXXX in executive customer care. She also sent me a copy of my denial letter in which I am attaching. She stated they will not remove the rejection and advised I was denied for unstable income. I have been on my main job for over 12 years. I also work several contact job to boost my income and have done so for the past 6 years. I felt Rocket discriminated against me because I did have multiple jobs and did not due their due diligence to get me approved for the FHA Loan. Further more marking in the system that my income is unstable is not true. Based on my W2. my AGI for XXXX was XXXX for XXXX XXXX and XXXX XXXX. Rocket utilized their overlay rules in which they are entitled to do but those rules should not affect FHA Approval. XXXX advised that the new lender would need to resolve the unstable income claim. I requested a detailed letter of the denial reason or if their underwriter can place the reason in the FHA system so my new lender can address and XXXX refused that as well. So here it is I have a denial credit reject in the FHA system with no details. XXXX is refusing to remove the reject, they are also refusing to provide specific details on the reject.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (MD)

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.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (AR)

I never received statements for purchases. I was denied credit, and discovered that there was inaccurate information from Nordstrom 's and TD Bank on my credit report as a result of these statements which I did not receive. I would have happily paid for these purchases promptly had I received statements. Six months later, they are now asking for nearly DOUBLE the amount after late fees and interest. This is predatory and illegal. I never received any mail or calls or emails or texts about this, although wouldn't you know it, I have received plenty of advertisements. I made sure that I am NOT signed up for paperless, for exactly this reason. 

I called the company today and wanted to pay for these purchases if they would just fix the inaccuracies on the credit report and remove the illegitimate fees. They refused and said that their records indicate the statements were mailed. I never received these statements. I did move XXXX months ago, but I should have received several statements prior to this change. I confirmed that the address that they had on file on that time and the new address are correct. The reps I spoke with stated that they are not allowed to call people in Maryland ; I have never heard of this before, it does not make any sense, I would prefer a phone call or text, and I have had no problem receiving calls from other financial companies. After XXXX minutes on the phone with XXXX different people, XXXX refused to allow me to speak to a supervisor or provide contact information. 

I just want to pay for the original purchase amount, ASAP, after receiving an apology and a guarantee that this inaccurate information on my credit report will be corrected promptly and that these illegitimate fees and interest are deleted. Why is that so hard?
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (GA)

My mortgage company has applied forced insurance on my premiums but will not provide the name and the amount paid each month/year. I initially provided homeowner 's insurance but the mortgage company refused to pay it. Instead, they applied another insurance ( forced insurance is what they called it ) and refuse to send me a copy of who the insurance carrier is. I did ask who was paying for the insurance and they stated that it was being escrowed-
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from  identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I received a bill for a valid purchase for XXXX XXXX on XX/XX/XXXX with a due date of XX/XX/XXXX. I immediately made payment via online banking with my bank in XXXX, Fl to a processing center in XXXX, TX. I was provided with 6 business days to ensure payment. 
On XX/XX/XXXX, I received another bill for XXXX dollars as a late fee as they indicated that they did not process my original payment ( I believe ) until XX/XX/XXXX. I immediately called them the evening of XX/XX/XXXX and they refused to waive the fee. But they informed me that they were slow in processing bills after the holidays but everything was better now. I did not want to argue so I simply paid the fee again through online banking ( which was processed by my bank on XX/XX/XXXX ) and cancelled my card. This time I was given 7 business days from receipt of bill to make payment. 
To my surprise, I received another bill today, XX/XX/XXXX for another XXXX dollar late fee for the XXXX dollar late fee as they indicated they processed it on XX/XX/XXXX. I do not have a store near me to make payment nor do I provide my account information online or on the phone to make payments. I paid the bill the date I received it. The post office informs me that it should take 2 days to send from XXXX to XXXX. 
I spoke with 7 individuals today alone telling me that they can not waive the fee as I cancelled my card nor was there anyone I could contact via phone or email but rather I could complain via mail and provided a physical address. At the rate we are going I will always have a XXXX dollar late fee each month for the late fee if they do not notify me of the bill in a more timely fashion because clearly the date received is not an appropriate amount of time.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

My mortgage has been paid down and the current loan-to-value ratio is below 78 %. I have contacted US Bank twice about cancelling primary mortgage insurance ( PMI ) for my conventional home loan. The first call was on XX/XX/XXXX and I was told I would be mailed information about the steps I would have to take. During this call, I was informed that if I did not take action, PMI payments would continue until XX/XX/XXXX, as this was the date I would have reached 78 % LTV, without making extra payments. I never received the information and I called US Bank again on XX/XX/XXXX to request the information be sent again. I was told I would receive the information within five business days, however I have not yet received it. I have made extra mortgage payments to reach 78 % LTV because it was my understanding that my PMI payments would end at that point. US Bank is making it impossible for me to end the payments. This is unacceptable.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (AZ)

This card is a syncrony bank card for a furniture store called XXXX XXXX. I got this card at XXXX interest for 1 year and since I have not got a bill or a physical card. I called and they ask for my account number which I dont have and the automated system asks for my social and they say they dont find anything. However it does show on my credit. I reached out via XXXX and they can not find me either. Every month I get a text saying Im late and its a reminder that I will be charged a late fee and after its due I get a link that says to pay it because Im late that link does not require a account # or password it lets me pay. However every month Im late and charged for being late! This is a scam! Very unethical.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MD)

Goldman Sachs Bank , U.S.A. has erroneously accessed an interest charge to my account and has given me the run around in removing.it from my current account balance. I have called multiple times to no avail. I have also initiated a dispute of this charge via chat, to no avail. It is a clear error if you review the credit card statements which state on the upper left side of the statement ( underneath the monthly balance ) that " If you pay your monthly balance in full every month, you will avoid being charged interest ''. My monthly balance due in XX/XX/XXXX was {$1000.00}. That amount was OVERPAID ( in full ) by the due date XX/XX/XXXX as I submitted a payment in the amount of {$1100.00}, yet I was still charged {$15.00} in interest on XX/XX/XXXX at XXXX ET. Payment was processed and payment confirmation email was rec 'd ( by me ) at XXXX ET. 

The representative via chat quoted the above was as a result of " trailing interest ''. However, that does NOT apply in this instance as for XXXX ) I was not accessed ANY interest on this card in the ENTIRE Year XXXX ( see page XXXX of XXXX of the XX/XX/XXXX statement which shows interest paid in the Year XXXX = {$0.00} ) and XXXX ) I paid the XXXX XXXX monthly balance of {$1500.00} in FULL by XX/XX/XXXX ( I was also still accessed an interest charge for XX/XX/XXXX, but the cc issuer ( Goldman Sachs XXXX has since credited that amount back to my account. 

The remaining amount of {$930.00} owed on this account was sent & processed on XX/XX/XXXX. The correct, current monthly balance should be + {$1.00} and needs to be adjusted accordingly and expediently. 

Attached are copies of all impacted statements along w/ a full account summary, in table format, which outlines ALL transactions, remaining balances, payments, etc.
Consumer complaint received 2024-10-29
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-03-06
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from Toyota Financial Services, XXXX XXXX, XXXX XXXX, and XXXX. 

I am highly disappointed that Toyota Financial Services failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. XXXX XXXX XXXX XXXX XXXXr/Claims Resolution Representative, XXXX XXXX , informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. 

Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. 

The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. 

I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

Hello, Our mortgage company Rocket Mortgage has been a problem from day XXXX. That was in XXXX XXXX XXXX they lied about time frame of getting done etc. Now after Hurricane Ian hit they've been awful. Our insurance company was great, we need a new roof ( waiting due to material s ) lanai fixed and new whole house generator. We had lanai fixed and generator .fixed. XXXX continues to hold the funds and will not release our money. they sent someone to take photos then still will not release money. now they sent a letter questioning the integrity ( rating ) of our insurance company which makes no sense! All the while they are holding our money and we are having to pay interest on credit! Absolutely insane.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

XXXX : The banker suggested opening a business triple cash credit card for {$500.00} after spending {$4500.00} within the first 150 days and I opened US bank XXXX XXXX XXXX Credit Card with promotion of {$500.00}. The banker went over every detail regarding this credit card and promotion. 

XXXX : I finished my spending more than {$4500.00} in XXXX months. 

XXXX : I visited branch where I opened account to ask my bonus and I was told by another banker that everything looks good and I need to wait. 

XXXX : I still haven't received my bonus and I called customer service and I was told that I need to visit the branch and I visited the branch again and the banker who opened my account was not there any more. 


XXXX : I still haven't received my {$500.00} bonus yet.
Consumer complaint received 2023-03-06
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: I.C. System, Inc. (GA)

This is not my debt yet is on my credit report I am a victim of identity theft. I currently am dealing with having to file complaints against the 3 credit bureaus for allowing and continuing to allow incorrect and false information to be placed on my report. I live in XXXX this credit agencies refuse to provide me with proof of how they verified this account. This agency is licensed in XXXX  and should not be reporting a past due balance on a collection account that does not belong to me on my credit report. How can a collection have a collection on an open account that is past due? They should find the party responsible and ruin their life not mine. I'm sure who ever sold this debt to them has written it off so they should try to have that company provide them with the correct debtors information. This needs to be removed permanently and immediately.