davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (SC)

the issue with rocket mortgage started in tax year of XXXX, a check for {$1300.00} was issued to county to the wrong property tax id in which i received a notice of foreclosure in XXXX of XXXX for that property. I called them up to have it fixed in which they sent a second payment to my county which fixed the issue but left my escrow account negative and by doing increased my overall payment from XXXX of XXXX to XXXX of XXXX. After the fix that they had did in XXXX i had been made to believe that the issue was resolved but in the tax year for XXXX the same issue happened again but it opened me to being harassed by home developers asking to buy the property off of me. So now my payment again has increase because of their incompetency and there is at least {$2600.00} floating somewhere that should in my escrow account. I had called the about the issue and they have failed to respond in a reasonable time with an answer, and called them again they had resubmit the issued because to much time had passed.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX I have inquiries on my report that I didn't do and it got to be fraud I have on my XXXX I have 3 from from XXXX XXXXXXXX on dates XX/XX/XXXX and XXXX/XXXX and XX/XX/XXXX. I got another one from XXXX XXXXXXXX via dealer that date is XX/XX/XXXX. I have another one from XXXXXXXX XXXX on XX/XX/XXXX I have XXXX XXXX XXXX on. XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX. And XX/XX/XXXX. And from transunion I have XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and date XX/XX/XXXX and date XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX something call XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX on XX/XX/XXXX
Consumer complaint received 2021-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (ME)

I was contacted by a Toyota Financial employee today through my workplace. She immediately started discussing my laps of payment of {$450.00} ( less than 30 days ) to the person who picked up the phone used by my office. My supervisor was the one who answered the phone and the caller, as stated, immediately started discussing the delinquent payment without verifying who she was speaking with. She only stopped when my supervisor interrupted her asking who she was trying to speak to. My work eligibility is reliant on my credit and take these types of calls especially seriously which is why at the beginning of the loan we asked that Toyota Financial not contact me at work. The reasoning for the late payment was due to it previously being on auto payments through my bank. As my wife deals with most of our finances I mistakenly thought the auto pay was through Toyota. I called to speak to them about this and see why it was not on auto pay. The representative started the call by stating that there were two payments pending in their system, one via web ( which my wife did ) and one via their " app-based '' payment system ( which neither of us have ). At the time I did not know if my wife had made two payments or not so did not question this at that time. We discussed the auto pay where he informed me it wasn't set up through Toyota. As I attempted to end the call he said we weren't " finished '' as I had not yet paid. This was incorrect as we had previously discussed 2 payments were pending. In discussing the issue I had of the other representative calling and speaking to my supervisor he stated that would not have happened. When I explained that regardless, it had occurred, he blamed me for it occurring saying she wouldn't have called if I had paid on time despite being aware that it was a simple technical error. After discussing the calls with my wife I found out she had only made one payment. The account was checked and found to have 2 payments pending. The only payment authorized by us was via the website at XXXX, XX/XX/21 ( today ). I have cancelled the secondary payment but only knew about it due to me calling Toyota Financial a second time. I know it doesn't necessarily have bearing on FTC related complaints, but it is worth noting both representatives were extremely rude in their conducting of each phone call as well.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have repeatedly written to Experian about concerns I still have with their " investigations ''. For at least 9 months I have disputed an address which I have no connection with. Yet it remains. For the same amount of time I have disputed the derogatory remarks they have listed from the Credit Card companies and XXXX. In the case of XXXX I have sent Experian documentation that the information they have on my Credit Report is incorrect. XXXX states on my Experian report that I paid a bill while in collection. I sent Experian proof of the Final Bill and proof of my payment when I switched to XXXX. I also sent them documentation that the amount XXXX alleged I owed when I came out of Bankruptcy was paid by XX/XX/2019. I came out of Bankruptcy XXXX, 2019. Yet Experian continues to report that I was in collection XXXX and XXXX. Also had Experian done any " investigation '' they would have seen that XXXX never sent me a Validation Notice. According to the FDCPA a Collection Agency has to notify in writing when an account has been entered into collection. I was never notified by XXXX or any of their representatives of any Collection Activity. Yet Experian continues to report this inaccurate information as accurate. It appears that although Experian requests documentation no one actually looks at it or actually investigates the claim that is made by the consumer ( more than one person has had the same experience with Experian ). I sent the XXXX documentation twice and sent documentation on XXXX and XXXX once.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I was enroll in Autopay in XX/XX/2021. VS had a glitch in their system and the original payment did not went thru. In XXXX, VS acknowledge that the charges were wrongly applied and reversed some of the charges. In XX/XX/2021 I received a charged of {$2.00}. I call back again to remediate this issue. The representative who took my call ( XXXX ) provide a horrible customer service. The call was done on XXXX at XXXX : XXXX XXXX easter time. I asked her an identification number and she didn't provide one. On top of that she share personal information about my PIN number which is a breach of privacy. I decided to close my account on XX/XX/2021 and would like the CFPB to review my case and get my money back from VS.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credence Resource Management, LLC (TX)

On XX/XX/XXXX, I disputed a collection account with Credence Resource Management that I had no knowledge of and this account was deleted from my credit report. On XX/XX/XXXX, with no written knowledge to me, this account was added back to my credit report in the amount of XXXX. Credence Resource Management is reporting that this account was opened XX/XX/XXXX which is absolutely untrue and they are trying to collect on behalf of XXXX ( whom I have never had an account with ). This is unfair and deceptive and my credit score dropped 49 points as a result of this company 's unfair credit reporting practices.
Consumer complaint received 2024-10-17
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. (IL)

Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Violation of Consumer Law Regarding Furnishing of Information without Written Consent To whom it may concern. I am bringing to your attentin a serious violatin of consumer law by your ageny n the process of furnishng information to credt reportning agencys. It has come to my attention that you have been providing sensitive information without my consent, thereby disregarding the provisions outlined in 15 U.S Code 1681b ( a ) ( 2 ).

Under ths sectn of the Fair Credit Reprting Act ( FCRA ), credit reporting agencies are strictly required to furnish informatin to third parties only in accordance with the written instructions of the consumer to whom it relates. I firmly believe that your agency has failed to abide by this provision, listed belw are instances of non compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request that your agency immediately cease furnishng my informatn to any third parties without my written consent, as explicitly required by 15U.S.Code 1681b ( a ) ( 2 ). Furthermore, I expect your agency to take immediate actin to rectify the violatins and ensure that my credit fuel is accurate and fair.Failure to comply with this request within [ 30 days ] will result in your organizatin being held liable for {$1000.00} per violation as stated under the FCRA The FCRA provides consumers with certain rights and remedies in case of non compliance. If the violatins are not addressed promptly and appropriately, I may be compelled to exercise my rights, which may include filing a formal consoling with the appropriate regulatoryauthorities and seeking legal redress.

I strongly urged you to investigate this matter thoroughly, rectify the violatins promptly, and provide me with written confirmation of the actions taken to resolve this issue. I expect to receive a response from your agency within 30 days of receiving this letter.

Thank you for your attention to this matter .I trust that you will take the necessary steps to the violations an ensure compliance with consumer protection laws Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
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. (CA)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXXXXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Over the last three months I have submitted legal documents from XXXX CREDIT CARD SERVICES TO Experian Credit reporting agency to remove negative credit from my credit report. I have filed with Experian 14 times showing that my credit is perfect and 14 times XXXX states to Experian that I have negative credit with XXXX. I have a legal document from XXXX stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with XXXX attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why XXXX is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with XXXX. I was on the Phone with Experian today and they have the legal documents from XXXX but when they contact XXXX to confirm the document XXXX denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a XXXX XXXX XXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against XXXX if they don't contact Experian and clear this matter at one.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

After several attempts of contacting the credit bureaus and synchrony advantage card XXXXXXXX XXXX to add the account to my credit profiles the account was never added to my XXXX XXXX or Experian. The account number is XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request - Account # XXXX Dear Experian Consumer Assistance, I am writing to formally request debt validation in accordance with the federal consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), regarding the alleged debt associated with Account # XXXX. 

As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request verification of the debt you are attempting to collect. I must remind you that it is your legal obligation to provide me with the requested information within five days of receiving this request. Failure to do so could result in violations of the FDCPA. 

Furthermore, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I have the right to dispute and request investigation of any inaccurate or incomplete information on my credit report. This includes the right to receive verification and substantiation of the debt 's validity.

I expect your full compliance with these federal laws and regulations. Specifically, I request the following information and documentation related to this debt : The name and contact information of the original creditor.

A complete and detailed account statement, outlining the original amount of the debt, all charges or fees applied, and an itemization of all transactions related to this account.

Verification of your authority to collect and report on this debt.

Any written agreement or contract bearing my signature, binding me to this alleged debt.

I must emphasize that the FDCPA and FCRA were enacted to protect consumers ' rights and ensure fair and accurate reporting of information. It is essential that you provide the requested verification without delay, ensuring that my rights as a consumer are upheld.

Please provide your response in writing to the address provided above. I expect your prompt compliance with federal law and anticipate receiving the requested information within the specified timeframe.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I have paid my Synchrony account on time for over a year. As my balance has decreased, they have changed my auto payment date without my knowledge and charged me late fees even when I pay my bill on time. The payments have been 100 % processed and are showing in my bank statements. I have called multiple times, and they have dropped my credit score more than once over this shady business practice. I have statements proving I have never been late on a payment and screenshots proving they have moved my auto pay date without my knowledge in order to force me into a late fee twice. Once I manually resolved it and complained, they still kept charging me a late fee, claiming it was my bank account when it was not. I can clearly see in my bank app and bank statements that my payment went through every month on time with no delay. They still chose to charge me a late fee on top of my payment the very next day as well.
Consumer complaint received 2021-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon a review of my credit reports with TransUnion, XXXX, and XXXX, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. I have yet to hear from XXXX concerning the account, and a dispute filed with TransUnion on XX/XX/21, completed on XX/XX/21 came back as " verified as accurate ''.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (FL)

An account that is being paid 100 % on time and has never been late is being reported to the 3 major credit bureaus as a charge off. This is incorrect and can't seem to have it corrected by the lender. I am attaching the last statement received from the lender and proof of the latest payment made on time Account # XXXX
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MS)

on XX/XX/2021, i sent my first letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX to midland funding, llc, since then they has never responded to any of my letters, on XX/XX/2021 nor XXXXthey are in violation of the law by not responding within the 30 days time frame by law. I would like this inaccurate and unverified item deleted from my credit report
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

my information was used to open fraudulent account and inquiries was placed on my credit report these are the accounts that needs to be remove from my credit report. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all fraudulent accounts and inquiries
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC ()

I have spent 3 months trying to contact Gemini, I'm sick of wasting my time. They have locked my account and have not sent a response to my many emails during this time. I have never experienced such poor support from any company before. 

Gemini 's website https : //www.gemini.com/
Consumer complaint received 2021-09-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I paid y HELOC on XX/XX/XXXX, and get at least 5 phone calls a week from the company regarding the account saying I owe for the month of XXXX. I called and told them the date my account was debited, never had issues before, they responded by telling me I need to contact my bank, ( but my account shows the bank did nothing wrong ) and find out where the payment is. They asked me to send them a bank statement but my bank statement is none of their business as it contains much more than one transaction to their company.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I'M IN THE PROCESSED OF REFINANCING MY HOME AND WAS TOLD THAT A COLLECTION ACCOUNT WAS APPEARING ON MY CREDIT REPORT THAT MUST BE LINKED TO MY IDENTITY THEFT CASE FROM SEVERAL YEARS AGO BECAUSE I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.