davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I received notice in XX/XX/XXXX for loan # XXXX that sometime in XXXX they would be doing my XXXX XXXX. I had a payment scheduled for XXXX and marked Custom on the payment and made notes on the account that the amount was to be applied to XXXX. I paid a total of {$1100.00} of which the amount due on XXXX is {$1000.00}. I made notes on the account to please include the XXXX in there XX/XX/XXXX XXXX XXXX. 

I did advise I was paying the balance on XX/XX/XXXX which should bring my Mortgage payments up to date before the end of the XXXX. However, Rocket Mortgage XXXXXXXX XXXX  did the analysis on XX/XX/XXXX and failed to include the amount I had paid towards " XXXX '' as a result they say I have a shortage. I have contacted them XXXX XXXX to tell them they did the analysis prior to the full payment of the XXXX  which I did pay post to the account. They based their analysis on the funds that were there and refuse to take into consideration the amount that cleared. Their refusal to consider the amount that I said was to be applied to XXXX, they are now asking for an ADDITIONAL {$1100.00}. XXXX of the reps I spoke to said that I was ok that it would balance out automatically, that there was only a shortage of {$7.00} due to a small increase in taxes. I paid the {$7.00}. Then, The mortgage company took the monies I had paid part of my XXXX Mortgage payment whose portion is XXXX and added it back showing that I owed {$2400.00} or something to that effect. 

I have called them XXXX XXXX to tell them that I was NOT going to pay an additional {$1100.00} because they have the monies pending in the account when they did their XXXX XXXX, and they did not include the partial payment I had made because it did not reflect on my account until XX/XX/XXXX. I have contacted them XXXX XXXXs about this error/issue and they refuse to adjust the Escrow and are asking for an additional XXXX by XX/XX/XXXX which already was applied to the account on the XXXX XXXX which had not cleared & post to XXXX when they did their " so called '' analysis. They are trying to rob me of my monies and force me to pay more on my mortgage when they alredy have the money. My insurance is not due until XX/XX/XXXX. 

I am the sole provider for my household and everything has gone up and I am doing XXXX to keep up with my payments so that they are paid in full before the end of the XXXX They should have better listening skills and correct my account & include the monies I already paid and they failed to include on their analysis due to a timing issue. 

This is a big deal because my mortgage should go down by {$100.00} and it is all due to Rocket Mortgage failure to help me.I can not dish out almost XXXX for a mistake or failure to verify or adjust accordingly.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect.

Date of last activity is reporting false dates.

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from XXXX, XXXX, & TRANSUNION. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621. 
This charge off is being investigated by the FTC.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

I am writing to express my concern that US Bank is not being properly regulated. There appears to be incompetence, poor governance, and poor data controls.I was recently denied a mortgage ( refinance ) with the following explanation under the heading, Principal Reason for Credit Denial, " Status of Prior U.S. Bank accounts '' .This surprised me, as to the best of my recollection I briefly opened a savings account at US bank a long time ago ( I have subsequently learned from US bank employee XXXX XXXX that it was in 2012 ), to set aside some fundsfor home repairs. I then closed that account, probably after a few months. This was so long ago, I barely remember it at all. Yet apparently it was the reason for my credit to be denied.What is of even greater concern is the management of my personal data. When I attempted to find out about this account and why it caused my credit to be denied, none of theUS bank employees I contacted could find any record of my account at all. I spoke to my local branch ( where I had opened the account ) ; someone at the collections department ; XXXX who was at Customer Service headquarters ; XXXX XXXX ; and XXXX XXXX, the MortgageOperations Manager in Missouri. XXXX XXXX contacted the underwriter to inquire on my behalf, but got no information. Eventually his boss, XXXX XXXX, was able to find out that the account was from 2012, but could gather no further information as to how or why this influenced my credit denial. Each of these representatives of US Bank indicated to me that they had never before heard of asimilar situation.I am deeply troubled as to how and why the underwriter has access to account information from more than 10 years ago, that nobody from the bank appears to know anything about, and that I myself am unable to access. Where are my records, and who has access to them? Finally, it seems like negligence to me, that after US Bank approached me to offer me this mortgage, they did not contact me to notify me of the denial. All of the loan officers I dealtwith disappeared, and failed to respond to my attempts to contact them. I eventually found someone else at US Bank who was able to investigate, and he informed me that the loan had been denied -- this was subsequently confirmed via a denial letter. Surely this violates the basic principles of good governance for a financial institution.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Report Act. The list of accounts has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : 1 Source : Experian XXXX : XXXX XXXX XXXX Has violated my rights. 
Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$960.00} Account name : 2 Source : Experian XXXX XXXX XXXX XXXX XXXX Has violated my rights. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX, Balance : {$960.00} Account name : XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX has flagged this account as Collections on XX/XX/XXXX. Source : Experian XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$960.00} Account name : XXXX XXXX XXXX XXXX Has violated my rights. with XXXX, which may negatively impact my credit score based on XXXX data. Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Activity : UNPAID ( D ) Balance : {$630.00} Account name : XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX reported a New Account to my XXXX credit file. Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Business Type : XXXX  Balance : XXXX These companies have violated my consumer rights, I did not give these companies written consent to share or furnish my information.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name XXXX XXXX XXXX Account number:XXXX 15 U.S.C 1681 Section 602 A4. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

The company is XXXX  Credit which is actually Synchrony Bank. I had a charge that I do not recognize on the account, I called XX/XX/XXXX to let them know as soon as I saw the charge. I asked them to dispute as fraud, and they assured me that they would take care of it. I paid off my entire balance, and left the amount for the dispute, as I can not pay for things I never bought, and I expected them to apply a temporary credit while undergoing investigation like they had promised. Upon further checking I noticed that the account did not ever receive the credit. I was being sent automated emails on XX/XX/XXXX about how my payment was due, and how I was now being charged a late fee for not paying, however I know that the credit card company is not allowed to do this, for a disputed amount. I called XX/XX/XXXX and spoke with a person named XXXX XXXX and she told me that the dispute wasn't entered and they had made a mistake. Now looking at the account I see that they are trying to charge me another non payment / late fee, and they are still asking me to pay for the disputed amount. I have not been sent any documentation via mail regarding a dispute, or email for that matter. I just would like the balance to be taken care of in the amount of {$130.00} and with their newly added late fees now {$170.00} I can not pay for something that is fraud, and it seems they do not wish to actually make the dispute for me.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these late payments on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the late payments from these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act XXXXction 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy of information contained within my credit report, as provided by your agency. Upon thorough examination of the report in question, I have identified several discrepancies that necessitate immediate rectification to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( TransUnion ) ; Not specified ( XXXX ) ; Not specified ( XXXX ) Current Balance : {$1000.00} Credit Limit : {$1200.00} Discrepancies : * Inconsistent Account Closure Date : Discrepancies exist regarding the reported closure date of the account. While TransUnion denotes the account 's closure as transpiring on XX/XX/XXXX, XXXX and XXXX fail to specify a definitive closure date. 
* Varied Payment History Reporting : * TransUnion : No instances of late payments are documented. 
* XXXX : Late payments are recorded, including XXXX payment XXXX  days late, XXXX payment XXXX  days late, and XXXX payments XXXX  days late. 
* XXXX  : Late payments are documented, showcasing delinquency spanning various durations - XXXX, XXXX, XXXX, XXXX, and XXXX  days past due. 
* Discrepant High Balance Reporting : XXXX reports a highest balance of {$1200.00}, while TransUnion and XXXX do not provide analogous information. 
Moreover, it is imperative to note that the validity of this account 's reporting has not been appropriately verified. The accumulation of these inaccuracies has had a profoundly deleterious impact on my credit score, thereby impeding my ability to meet personal and professional obligations and access requisite financial resources. Consequently, I hereby demand the expeditious removal of this account from my credit report in fulfillment of your statutory obligations under the FCRA.

I beseech your immediate attention to this matter and request that a thorough investigation be conducted to rectify the aforementioned discrepancies. Subsequently, I anticipate the issuance of a revised credit report reflecting the accurate and rectified information consequent to the resolution of this dispute.

Please be advised of your legal obligations pursuant to the FCRA to ensure the veracity and integrity of information contained within consumers ' credit files. Your compliance with these obligations is not only imperative but legally mandated.

I appreciate your prompt attention to this matter and await confirmation of the resolution forthwith. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

Ad astra has been contacting me about a loan from XXXX XXXX, this needs to be investigated and removed from My credit file until they can verify I am responsible for this debt this needs to be removed from my credit file. I do not own this debt I do not authorize them to report this fraudulent account on my credit file I have sent over police report to original creditor.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Since receiving and using my kohls card it has been set up to make the minimum monthly payment via autopay. This has never been changed. Today XXXX XXXX, Kohls withdrew {$260.00} from my checking account to apply to my charge card. This was the full statement balance. They were only authorized to take the minimum payment of {$29.00}. My account password was changed when I tried to review the account and then locked for 2 hours. When I contacted customer service they told me it was set to pay the full statement balance. This is false. My account has always been set to minimum payments since receiving the card well over a year ago. This is not the first time I have had an issue with this account. At one point they took off my autopay causing a late fee because the payment was not made, unbeknownst to me as autopay should still have been active as I have never changed it. I asked to have my funds reversed and the minimum payment withdrawn. They told me they could not do that. I will be filing a lawsuit against Kohls Credit for violation of my rights under FDCPA.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've had a savings account at Capitol .for many years. I wanted to add beneficiaries to the account. For some reason, they wanted social security numbers on my beneficiaries on a notarized statement. I wasn't comfortable, but I sent them this statement, certified mail, 3 months ago. After two months, I couldn't see where these beneficiaries were added, I called the bank. The person I spoke with didn't see where I had sent this information. I got a copy of the person that signed for this paperwork from the post office. I then sent this to the bank, in XXXX XXXX ( the beneficiary division ). I asked them to find these papers and contact me immediately. They have not. This was a month ago. 
Do I have any recourse? 

Thank you for your help. 
XXXX XXXX XXXX, NY
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (FL)

Applied for a credit card with US Bank in XX/XX/XXXX. Called in to request a credit line reconsideration. I explicitly told the customer service representative that under no circumstances could they initiate another hard inquiry on my XXXX report and the customer service representative told me that since they use the last 30 days inquiry, there would be no 2nd hard inquiry on my XXXX  report ; however, underwriting submitted another hard inquiry on my XXXX  report. Called in several times to get them to investigate. Finally after several phone calls they finally pulled the recorded phone calls and noted that they would remove the 2nd hard inquiry from my XXXX report. To date, no request to XXXX  to remove the hard inquiry has been initiated by US Bank. After several calls to underwriting to inquire about their lack of followup to remove the hard inquiry, they can only see a notation to remove the hard inquiry, but no one seems to know who will submit the request or when that might happen. It's been nearly a month since my initial request to remove the hard inquiry and no request to XXXX has been initiated by US Bank.
Consumer complaint received 2022-12-23
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)

15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date Account dates opened XXXX XXXX XX/XX/2021 account is reflecting as not paid this account has been paid in full and I need this derogatory remark removed from my credit file and lte payment removed as requested above.