davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (CA)

Recently I had faced 2 issues that were handled by rocket mortgage in a dishonest way. 

XXXX ) They used one of the XXXX loan terms to their advantage. The change of interest rate by XXXX at their XXXX meeting was not promptly applied to the line of credit. Not only they waited for more than a whole month, but they did it with malice intent. They anticipated the lower rate coming and they pushed or shifted the billing cycle later and later over XXXX month period to their advantage. They even charged for 32 day interest month so that the lower rate would be delayed beyond normal billing cycle. Why cant they stick to billing cycle that is either between first to last day of the month or ( if they need to have it mid-month then ) it start from XXXX of the month to the XXXX of the month to avoid any incentive to manipulate it to their advantage? 

XXXX ) I have been trying to payoff principle but on 2 occasions they applied it incorrectly ( against my instructions ) and applied towards a future already scheduled automated payment which was still due 20 days away! On the second occasion they took my principal payment and applied to even further away future months schedule automated payment ( due date away about 50 days! ).

They not only taken away my grace period in the first occasion and in the second occasion purposely applied it incorrectly & also not actually knowing what the exact amount ( HELOC are interest only payments based on changing rate and paid separate principal ) ) would be for the future month, this much in advance with rate change happening or expected soon and not applying principal amount already paid earlier!
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (TX)

On XX/XX/year> I opened Claim ID # XXXX, Which was opened for Transfers that I did not conduct XXXX XXXX XXXX a closed XXXX  XXXX XXXX Account XXXX I did not register online and my account was taken over by an identity fraudster at BMO Financial. They registered the account online and conducted transfers. My Identity was stolen, and the fraud was conducted. BMO Reopened the case and assigned the case to a manager as I provided them with a Police Report, and Identity Theft Affidavit. My account was closed at the time, Because I did not receive my statement until XX/XX/XXXX for XXXX. I did not receive any other statements. BMO should send me my statement from The beginning to the end for savings and checking account. BMO Issued me a check for Claim # XXXX, and XXXX. The Claim was resolved on XX/XX/year> and a Cashiers Check was mailed out on XX/XX/year> from the Claims Department in the Amount of {$3400.00}. Check # XXXX However once I received the check I attempted to cash it and it said that it was not a valid check. I tried calling customer support. Which told me they couldn't verify the check either. So I called a Manager whom told me the check was legit. However I mobile Deposited it on XX/XX/year> and now XXXX Is telling me they can not verify the check either. After calling merchant services. Now BMO is telling me that they have to investigate the check because they show the check cashed. I asked why they couldnt verify the check then and they told me I will have to wait on the Claims Department to determine what they can do and they will call me in a few days. So Essentially I am still without my money that was stolen, and BMO is not doing anything about it they issued me a check that is essentially fake or not good. After XXXX mobile deposited it. BMO Also owes me an additional {$8000.00} Cashier check for Claim # XXXX and XXXX. This is a constant issue. Not only could I not cash the check, I have reached out over XXXX times. Each time they tell me they can not verify the cashiers check that THEY ISSUED. It has BMO listed on it, and the exact amount date of issuance for {$3400.00} was XX/XX/year>. I feel very frustrated that BMO would issue me a check that they themselves can not verify for funds that were stolen from me. They issued me a cashiers check because the checking account was already closed, however they can not verify their own check. I can not wait another month for them to send me another check. They need to either let me pickup the funds in a branch, OR Let the check process, Or Wire me funds. I also want the other claims resolved as well. This has been an ongoing issue with BMO And BMO is not assisting me with the issue. They issued a check that seems like a fake check, However it has BMO On the check and its pay to the order of me with the claim number on the check. However they can not verify their own checks. This is redicules.
Consumer complaint received 2024-10-24
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. (NY)

The account number XXXX from XXXX XXXX XXXXXXXX reporting of late payments in XXXX of 180 days past due and XXXX are incorrect and needs to be deleted immediately. I disputed this issue but was not resolved .im requesting Experian to delete this account effective immediately since it did not provide me with sufficient evidence and did not receive any information from the bank detailing this report
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TX)

I opened my business account with US Bank. 
They had a promotion to give {$400.00} bonus with a {$5000.00} deposit. I was told several times the bonus would be deposited ate 30 days. It was never deposited and it's been over 5 months.
Consumer complaint received 2023-06-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I am writing to bring to your attention concerns regarding the handling of accounts with write-offs and to request clarification on the relevant codes and statutes governing these practices. 

Relevant Statutes and Regulations Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681c, accounts that have been charged off must be reported accurately. Information reported must be complete and accurate to avoid misrepresentation on consumers ' credit reports.

Fair Debt Collection Practices Act ( FDCPA ) : According to 15 U.S.C. 1692e, it is unlawful for debt collectors to use false, deceptive, or misleading representations in connection with the collection of any debt. This includes misrepresenting the status of accounts that have been written off.

Consumer Financial Protection Act : The CFPB is empowered to enforce regulations that protect consumers from unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ).

Treatment of Write-Offs as Income It is important to note that a write-off is often considered cancellation of debt and may be treated as income for tax purposes under the Internal Revenue Code. Specifically, according to IRS guidelines, if a creditor cancels or forgives a debt, the amount canceled is generally considered taxable income ( 26 U.S.C. 61 ). This has significant implications for consumers, as they may face unexpected tax liabilities resulting from debts that have been written off. 

Potential Fines for Non-Compliance Failure to adhere to these regulations can result in significant penalties, including : Fines under the FCRA for inaccurate reporting can reach up to {$1000.00} per violation. 
Under the FDCPA, violations can result in statutory damages of up to {$1000.00} per action, along with potential additional damages for actual losses incurred. 
Request for Clarification I would appreciate clarification on the enforcement of these regulations, particularly regarding the responsibilities of creditors and debt collectors in accurately reporting accounts with write-offs. Additionally, any information on consumer rights related to disputing these inaccuracies would be beneficial. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I have on multiple occasions reached out to this collector that is reporting negative information on my credit report stating I wanted this debt to be verified by providing me with the original contract with my wet signature that shows I owe this debt to them and that they are within 100 % of their rights to collect this debt from me or to report it on my credit report without my permission. I also requested they provide the method in which they used to verify this debt. I have never received any type of response let alone the information I have requested.
Consumer complaint received 2024-10-24
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. (PA)

Requesting method of verification who did you speak with, what are the methods used, where is your proof show me that your verification method was complete accurate and verifiable XXXX XXXX Account number XXXX
Consumer complaint received 2024-10-24
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. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$1600.00}
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (FL)

I recently looked at my credit report and realized that American Honda Finance has reported a number of late payments on my credit report to the XXXX, XXXX and XXXX bureaus, which has me quite concerned and dismayed because it is affecting my personal life and my ability to obtain and build credit. 

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding a supposed transaction reported on my credit report provided by XXXX and XXXX, which has been incorrectly identified as a late payment on the account with number XXXX, corresponding to XX/XX/year>. 

I would like to bring to your attention the provisions in 15 U.S.C. 1681a - Definitions ; Rules of Construction : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the entity furnishing the report. 

Given this, you do not have the legal right to report my transactions and experiences, as the law clearly states that this information is excluded from my credit reports. 

Additionally, the only way a creditor can report a payment as late is in accordance with 15 U.S.C. 1666b - Timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date. 

For any creditor to treat a payment as late, they must demonstrate that : The required information under 15 U.S.C. 1637 ( b ) was sent or delivered 21 days before the payment due date.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NC)

I had a bank account with U.S. Bank and had can not express how regretful I am about EVER doing business with them. A compete and utter disgrace is how I espoused sum it up, from the terrible customer service where even supervisor will talk nasty to you and hang the phone up because they lack the information that their supposed to know. They allowed multiple different fraud cases on my account and not properly securing my account, I had to file police reports just to get my money back from fraud on my account that they neglected to see at time. Now they have closed my accounts unfairly and wont even allow me to access my remaining funds and are purposely procrastinating the situation I would like a formal apology and compensation for this tragedy called a business relationship
Consumer complaint received 2024-10-24
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. (GA)

My name is and I am not filing this claim in the 3rd person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXXXXXX XXXX # XXXX  {$2600.00} XXXX XXXX XXXX XXXX  # XXXX {$4000.00} INQUIIES : XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I HAVE ASKED THESE COMPANIES TO VALIDATE AND SEND PROOF THAT THESE ACCOUNTS BELONG TO ME WITH CONTRACTS I SIGNED IN WET SIGNATURES. SO FAR THEY HAVE NOT DONE THIS.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX  consumer report. I have NEVER opened or used the following account numbers : XXXX  : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (VA)

Reported bankruptcy ( XXXX ) on my credit report as well as personal and inaccurate personal information on my credit as well as shared or reported personal data on my consumer reports without my knowledge or consent by XXXX XXXX XXXX XXXX all three XXXX XXXX Experian and XXXX after I opted out and issued each agency a cease and desist several times
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am filing this FTC Identity Theft to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTIONS opened at XXXX XXXX XXXX {$2500.00} on XX/XX/XXXX COLLECTIONS opened at XXXX XXXX {$1600.00} on XX/XX/XXXX COLLECTIONS opened at XXXX XXXX {$500.00} on XX/XX/XXXX COLLECTIONS opened at XXXX XXXX XXXX {$380.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NE)

i had money sent to my paypal account, shortly after i received a confirmation email that i had received the money. the money shows in my history but paypal is not putting on my balance i have tried multiple avenues of reaching out to paypal ( ive been on hold for 3 hours as of this writing ) and they still have not given me my money, there are also dozens of others with the same issue
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to formally report an issue I am experiencing with Santander Bank regarding my car loan. During my bankruptcy proceedings, I reaffirmed my car loan and have not missed a single payment since then. In fact, I have consistently paid more than the required monthly amount. 
After my XXXX XXXX discharge, I contacted Santander Bank to inquire why my positive payment history was not being reported to the credit bureaus. They informed me that they would not report my payments at all. I requested a written statement confirming their policy on this matter, but they refused to provide it. 
This lack of reporting is severely impacting my ability to rebuild my credit, which is essential for my financial recovery. I would greatly appreciate any assistance or guidance you can provide regarding this situation. 

Thank you for your attention to my concerns.