davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: VANDYK MORTGAGE CORPORATION (MD)

I contacted VanDyk Mortgage because they raised my mortgage payment by over {$500.00} per month due to miscalculation of my escrow and update my home insurance. Upon reaching them on XX/XX/XXXX I was notified ( by XXXX XXXX ) they had sold my loan effective that day. The notification letter was actually delivered Saturday XX/XX/XXXX giving less than no notice. Subsequently, I have not been double charged for insurance due to VanDyk 's poor communication and my incorrect escrow info transferred from VanDyk will cost me {$11000.00} this year which is nearly twice my insurance and taxes combined which should be just short of {$5700.00}. This is predatory lending at it's core and due to the lack of notice and incorrect accounting I am paying {$450.00} per month too much on my mortgage.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 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 2023-08-04
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: Experian Information Solutions Inc. (TX)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or omit these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I used the online banking system provided by my bank I havent had to inquire a rejection of payment using the online banking service When I contacted them by using the website/ mobile app they said that I had to contact there expertise of another team called XXXX XXXX XXXX that I have never received any information on until now XXXX press option 2 from XXXX Chase email servicing because will all transactions that are not processed they have to notify you of that be email or USPS mail if this transaction was an NSF my account would have been debited and an notification would have been sent and I received nothing but a late fee for this transaction not being processed by the bank
Consumer complaint received 2024-06-12
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. (OH)

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (FL)

On XX/XX/2023 at XXXX I received an email from PNC Bank stating that my checking account was in " low cash mode '', and that my account was negative {$170.00}. On XX/XX/2023 at XXXX I received another email from PNC Bank stating that I was approaching 24 hours of " Extra Time '', and that I needed to bring my account balance to at least a {$0.00} balance before XXXX on XX/XX/2023 in order to avoid being charged overdraft fee ( s ). 

As you will see in my attached ATM deposit receipt, I deposited {$180.00} in cash on XX/XX/2023 at XXXX, thus meeting their XXXX deadline of XX/XX/2023, which was more than 20 hours before their required cut-off time. However, after making the deposit before the required deadline, PNC returned two payments to two merchants, thus causing my payments to those merchants to be considered late, as well as receiving returned payment fees from both merchants. When I spoke to a representative from PNC Bank she informed me that PNC reserves the right to return " any '' quote : " payments that they deem to be questionable that could cause my account to become overdrawn ''. With that being said, it was clearly obvious that I had made a cash deposit to bring my account out of the negative well in advance of their stated cut-off time, therefore why would PNC have returned two of my pending payments, obviously knowing that I had made a deposit 20 hours before their stated cut-off time? What's the point of telling their customers that they have a specific amount of time to remedy a negative account balance if PNC is going to return an item 20 hours before the cut-off time that PNC itself offered and agreed to?
Consumer complaint received 2023-09-21
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. (CA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures 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. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2023-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rubin & Rothman, LLC (MA)

My sole income is Social Security XXXX and Supplemental Security Income. Rubin & Rothman started sending me collection letters on XXXX XXXX regarding a credit card from XXXX XXXX XXXXXXXX. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. 

That was not enough for Rubin & Rothman, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. 

Rubin & Rothman knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. 

I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. 

Rubin & Rothman wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. 

Two months later, Rubin & Rothman had no option but to petition the state court to dismiss their lawsuit, and I received my discharge one month later.

This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified Rubin & Rothman in writing ; ( 2 ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( 3 ) sending repeated collection letters, one day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.
Consumer complaint received 2023-12-21
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)

Hello, my name is XXXX XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Consumer complaint received 2023-06-22
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)

This letter is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (FL)

What happened : Unauthorized hard inquiries are appearing on my credit report, violating several provisions of the Fair Credit Reporting Act ( FCRA ).

Actions Taken : - Reviewed credit reports from all major bureaus.

- Identified unauthorized hard inquiries listed, a violation of 15 USC 1681b.

- Disputed inquiries with credit bureaus, as per 15 USC 1681i.

- Filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized inquiries.

Unauthorized Hard Inquiries : XXXX. XXXX  - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX  - Date : XXXX Relevant USC Codes : - 15 USC 1681b : Permissible purposes of consumer reports.

- 15 USC 1681i : Procedures for handling disputed information.

- 15 USC 1681n : Civil liability for willful noncompliance.
Consumer complaint received 2023-06-22
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My account with ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX LA XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a secure credit card for years which I gave {$300.00} to start the credit line. My account was closed with no email or app notice when Im signed up for paperless communication. Besides that when k paid the credit line used in full my money wasnt returned. When I called on XX/XX/XXXX @ XXXX XXXX  about it the rep told me I had to respond to a letter that was sent within XXXX  days or they would t give me my money back. Then she told me she would see if it could be given back. She then stated they would be able to return the my own funds to me!! Within XXXX weeks. Its had now been XXXX weeks and the funds have not been put in my checking account as the rep stated on the phone call XX/XX/XXXX when I called a second time.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

I purchased something in a website that I currently reported for fraudulent activity. Im unable to get a hold of the seller through phone and email. I filed a complaint through my bank and they said they were unable to help me because I authorized the transaction.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently checked XXXX for my credit score and noticed I had an unknown debit collection from XXXX XXXX XXXX  ( Original Creditor ) for {$640.00}. I never obtained a credit card or have done business with this company. I have looked them up and the closest one to me is in XXXX. I'm currently residing in California. I don't understand where this debit collection came from. I have been checking my credit score monthly and it wasn't there until now. I reached out to Midland Funding ( Credit buyer ) and disputed it letting them know that I'm unaware of this collection. I believe I was a victim of identity theft. This has never happened before, so I'm puzzled on how to solve this. Please help me!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-08-29
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-02-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I had a XXXX card that is wrongfully reporting as a charge off on my credit report and have been disputing this claim for years now because the information is not correct. The card that XXXX issued me had a limit of a thousand dollars and on my credit report they are reporting that it was XXXX dollars. I had used the card to buy an appliance that was over XXXX dollars, which I took back because of a malfunction. The which I took it back to on XXXX XXXX XXXX XXXX told me that my card would show a XXXX balance on the next statement and I took their word for it, believing that they would have made the correction and they didnt so the balance that was to have been taken off went in to collection or charged off. I have been disputing this for sometime now and the credit bureaus keep saying that it was verified. The questions I have is how could incorrect information be called verified when it is not true. I spoke with someone at the dispute center that handles issues for collection for XXXX and they told me that the credit limit on the card was {$1000.00} but my credit reporting bureaus is saying that {$700.00} is verified when clearly this is not correct. So if my account was to have shown XXXX, then why is it showing as derogatory on my credit report? Clearly the credit reporting agencies is not doing their work and continues to report false information in defiance of the fair credit reporting act.
Consumer complaint received 2024-04-25
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. (MI)

XXXX XXXX Balance {$7100.00XXXX XXXX XXXX XXXX  {$430.00} Original creditor XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists