davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (TX)

I am writing to formally dispute and file complaint to SHELLPOINT MORTGAGE for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Consumer complaint received 2022-07-18
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. (LA)

In accordance with the Fair Credit Reporting Act XXXXt XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXXt account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (GA)

To whom it may concern, In the late XXXX 's, my late husband took out a loan from Navy Federal Credit Union. I learned about the loan once he passed away in XXXX of XXXX. I have copies of the transactions between the bank and my husband. I never signed anything because I was unaware of the loan. Additionally, from my understanding, Georgia is not a debt consumption state and I was living in Georgia at the time of his passing. I was very disappointed to learn that Navy Federal Credit Union would have someone with this type of attitude working for them. The lawyer that was reaching out to me continuously harassed me and threatened me with a garnishment of my wages in XXXX of XXXX. In XXXX, I filed bankruptcy and included the loan in my filing. On XX/XX/XXXX, my current employer received a garnishment of my wages for this same loan. I'm furious. 

To resolve this matter, I would for Navy Federal Credit Union to leave me alone, return any money they have taken from me, pay any court fees I've incurred, and remove any blemishes they have caused on my credit report. 

I look forward to your reply and a resolution to my problem. 

Sincerely, Frustrated Customer
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

I have received a statement of {$69.00} with a late fee. I have call make a payment of {$36.00} which I was told to do. Then received another statement later with 2 late fee. Call in talk to the supervisor pay off the balance and closed the account. Now received a statement with a late fee again.
Consumer complaint received 2020-10-22
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. (NY)

I contacted Experian regarding a fraudulent XXXX account on my credit report. They refused to block the account from reporting after I submitted the FTC report along with the documentation from XXXX stating that they would remove the account. They are the only bureau that hasn't been compliant with section 605 of the fair credit reporting act and are violating consumer rights. When I asked them to do so, the representative from the company said they couldn't block it because of their internal affairs. This is outrageous! Please do not let them violate the law anymore! My mortgage can not close with this fraudulent account reporting. Please help me!
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My husband and I moved into a townhome in XXXX based upon his income. I do not work and did not have an income. We have XXXX down on a deposit and paid XXXX per month in rent. My husband unexpectedly died of XXXX in less than one week in XXXX of XXXX. I paid the rent for XXXX gave them the deposit and was told I owed nothing. I pulled my Experian credit report and it was showing monthly debts owed as if I lived there even though I left in XXXX. I disputed the debt with Experian and XXXX  based upon the fact I did not owe the debt and the information supplied to the credit bureaus falsely claimed the nature of the debt the wrong original creditor and amounts of delinquency it also violated the FCRA by falsely purporting the original creditor was in Tennessee when in fact it was the debt collection agency phone number and address falsely claiming to be the creditor. I made Experian and XXXX  aware of this yet they still kept the debt on my credit report. I am XXXX years old and can not move into an apartment because of this erroneous debt. Please help
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: BMO Bank, N.A. (TX)

BMO/Harris bank claims to have sent a right to cure letter that I never received. They didnt email me or send it registered mail. I made a payment in XXXX of 2023 that was XXXX of my monthly amount & then a full payment the next 4 months. They claim I was 105 days delinquent & a sent the right to cure on XX/XX/XXXX. Due by XX/XX/XXXX. Claiming there is no XXXX payment but visible on my payment history. Im very frustrated with this situation & have been on the phone trying to get information daily since the repossesion occured on XXXX XXXX  XX/XX/XXXX. I just received a pay-off amount on XX/XX/XXXX. I only have until the XX/XX/XXXX. To work on getting a loan to buy back. Not very much time. Most of the 21 days I had have been spent trying to get the necessary information from them. Their customer servive departments are all outsourced & there are no branches in the state off Texas. It has been a nightmare trying to communicate with them. PLEASE let me know if there is anything you can do to help! Thank you in advance.
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I as of late sent a debate letter to XXXX, XXXX, and Experian on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Consumer complaint received 2023-03-27
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. (NY)

The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my student loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (VA)

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXXXXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX Thru XX/XX/year>. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXXXXXX XXXX XXXX XXXX and also a FTC report.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello in the month of XX/XX/2022 I attempted to open an account with Navy Federal. I was declined. After months passing by, I attempted to open an account again inside the branch and the young lady stated that I was unable to due to a fraud account that was open previously. I asked several times WHEN, WHERE HOW? Can someone open an account with my personal information, and I didn't know anything about it. I submitted several claims, and the issue is still not resolved and i was told that i owe Navy Federal for an account that was open without my permission. I really need this issue fixed I would like to gain an relationship with Navy Federal and resolve this fraud account.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

After numerous requests with Transunion Credit Bureau to remove fraudulent inquiries on my credit profile after reporting that fraud has happened under my name, the inquires to this date have not been Deleted. According to the FCRA, Transunion had violated my rights as a consumer and Im requesting legal action to remove all inquiries from me account, minus XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

This collection just popped up on my credit. First I was NEVER informed of it and I have an active policy with XXXX XXXX. I do NOT owe them any collection amount. This is inaccurate, false and needs to be removed off of my credit file please help
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The problem actually started XX/XX/ when I notified the bank ( Bank of America ) that my account was hacked into for two sums of monies ; one for {$4000.00} and the other for {$2000.00}. Since that time I have had numerous fraudulent charges against not only my checking account, my bank debit card, but two other charge cards. I have submitted so many claims to the Digital Fraud Department, the Online Fraud Department and now the Risk Closure Department has frozen all my bank accounts. This is now in the second month of being a " credit '' only acount with NO access to any of my funds. I have direct deposit for both income deposits and most of my monthly bills are setup on bank draft/or autopay actions by the bank. Now, with the accounts frozen, all my bills ' my mortgage, auto insurance, life insurance, two loans among others that are behind due to the bank not honoring my bank draft payments also causing financial distress and unnecessary fees being charged. I can not even buy groceries, my medicine or dog food. The bank keeps changing the reason for the freeze and possible closure. I was shown one check that was deposited into my account and then charged back because of suspicious activity. I have never heard of the person or organization the check was from. The Fraud department has mentioned other checks that were deposited and then withdrawn but has not shown any type of proof about the deposits. I was told that depending on the outcome of the investigations into my accounts, I may never by allowed to have another checking or savings accounts at a bank again. These insinuations and insults have been going on for two months or more. I can not even login to my bank accounts to keep an eye on them. While I was able to get into my accounts, I did some research and found out some info that the bank seems not interested in. Can you help me please? 

Thank you
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (VA)

PayPal took money out of my collateral account instead of out of my PayPal credit card. I started calling Monday XXXX XXXX they say there is a 2-3 hr wait to send message or email. I did both, they did not contact me to yesterday XX/XX/XXXX via. XXXX msg! They did not address the issue At all just a form message.. In the interim my card was hacked. I continued to try to contact them about the hack now, same problem no phone support, Again a message via XXXX was sent Not addressing with issue. They took XXXX out of the wrong account. 4 full days and I still have not solved the {$61.00}. I contacted the company I Purchased from and they sent the payment as a credit card to PayPal. Now I took off a backup bank and another bank credit card because there is no response! And was hacked. I received a message that stated even though I deleted my bank and another backup credit card they will still take future payments out of those accounts ( I gave no authority to use deleted accounts ). I can not even close out this account because there is no phone, text, email or other way to contact them. As a side bar : they keep saying because of Covid long waits however every other credit card, bank service, companies et al say that but they all have employees working from home I know because I get service with all of them. And my niece works with XXXX XXXX and they have customer reps working from home. This last statement is just FYI not within complaint. Thanks.
Consumer complaint received 2023-03-30
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. (VA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2020-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I was trying to close my Regions Savings account and initiated a transfer to my XXXX savings account on XXXX XXXX. There was a {$3.00} to transfer which was fine. I had {$1600.00} in my savings to transfer and the {$3.00} fee should have brought the total transfer amount to {$1600.00}. However Regions then denied the transfer request after sending an email saying the funds were transfered and would show up in my XXXX account within a day. Regions then proceeded to send me an email saying, " Unfortunately, we could not complete your transfer request. The account provider has indicated problems with processing your request. '' They then deducted {$39.00} as a " return '' fee when the money never left the account. After this they tried to do the already not working transfer again, deny it, and deduct another {$39.00}. They were about to do it again when I called, froze the account and demanded it be shut down. They said they would not be refunded me the {$78.00} that they deducted. I am at a loss and not sure what to do from here. I was fine with the understandable {$3.00} transfer fee but am confused why they charged {$39.00} as a return fee when the money never left the account.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My husband and I moved into a townhome in XXXX based upon his income. I do not work and did not have an income. We have XXXX down on a deposit and paid XXXX per month in rent. My husband unexpectedly died of XXXX in less than one week in XXXX of XXXX. I paid the rent for XXXX gave them the deposit and was told I owed nothing. I pulled my XXXX  credit report and it was showing monthly debts owed as if I lived there even though I left in XXXX. I disputed the debt with XXXX  and Transunion based upon the fact I did not owe the debt and the information supplied to the credit bureaus falsely claimed the nature of the debt the wrong original creditor and amounts of delinquency it also violated the FCRA by falsely purporting the original creditor was in Tennessee when in fact it was the debt collection agency phone number and address falsely claiming to be the creditor. I made XXXX  and Transunion aware of this yet they still kept the debt on my credit report. I am XXXX years old and can not move into an apartment because of this erroneous debt. Please help
Consumer complaint received 2024-10-21
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. (GA)

I am writing to formally dispute the following accounts that have been fraudulently reported and reinserted into my credit report without proper communication, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The accounts in question are : Creditor : XXXX XXXX Account Number : XXXX Date Reported : XXXX. XXXX, XXXX Current Status : CHARGE OFF These accounts were previously removed from my credit report as a result of an identity theft dispute under 15 U.S.C. 1681c-2 ( 605B ). However, I recently discovered that they have been reinserted without any notification, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which mandates that I be informed of any reinsertion within five business days. To date, I have not received this notification, and such failure constitutes a violation of my consumer rights. 
Legal Requirements Regarding Reinsertion of Accounts According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), credit reporting agencies must meet certain conditions before reinserting previously deleted information : 1. Certification Requirement : The furnisher of the information must certify that the information is accurate and complete before it can be reinserted.

2. Consumer Notification : The CRA is required to notify the consumer in writing or electronically within 5 business days of the reinsertion, including the name, address, and telephone number of the furnisher of the information.

Furthermore, the reinsertion of these accounts as charge-offs is also unlawful. Charge-offs representing income are prohibited from being included in a consumer 's credit report under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ). These accounts should not have been reported as charge-offs in the first place.

Relevant Case Law The courts have reinforced these protections in several cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : This case established that credit reporting agencies must follow reasonable procedures to ensure accuracy, and failing to do so, especially by reinserting inaccurate or unverifiable information, can result in liability for damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court ruled that CRAs must notify consumers when reinserted information is placed back onto their report. Failure to notify a consumer within XXXX days is a violation of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case supports the claim that failure to properly notify a consumer or reinsert disputed and previously deleted information violates their rights under the FCRA.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Legal Logix Inc. (CA)

On XX/XX/year> I needed to reopen the match account to align with the best current offerings. I was able to find a previously matched bank called XXXX that was advertising on that date XXXX APY. This process I have done before without issues and Logix was able to match whatever rate I was able to find. This time around the highest they could go was 4.50 APY. My complaint is that this is call a " APY Match Savings Account '' and this time Logix failed to match a bank that I have used in the past. To me this is very misleading and the verbiage should not use " Match '' if Logix can fulfill that obligation. I voiced my disappointment to one of the managers and ask for a call back from a executive higher up in the org chart. I have not heard back from them and there was no apologies to the miss representation of this product.