davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 Experian 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 item 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. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited a check for the care of a person I am caring for. The check was dated XXXXXXXX XXXX. The account was new but the checks were something that I had been receiving for 7 years. I deposited the whole check. Then the check was returned for nsf. Then my new bank closed my account and put a fraud alert on me. They will not lift it and now I can't open an account at any bank and have to way to get funds to take care of the person I'm guardian for. I have notified the police and made a report of the bad check and have notified social security XXXX of what the person done. I called the bank and asked them how they can put fraud on me when I was the victim but the just kept saying I deposited the check. I did deposit the check the whole thing. I did not receive any cash back. So I don't know how I could have committed any fraud when I never received any money from the check. I need this fraud lifted so I can open an account so I can care for my mentally challenged cousin I'm the guardian of.
Consumer complaint received 2022-07-08
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. (OH)

N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A 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
Consumer complaint received 2020-09-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX XXXX credit card has not updated since XX/XX/2022 on credit report. They switched from Comenity to Bread Financial around that time. Ive sent in complaints to the company multiple times and they just say they cant help me at this time. XXXX says they cant help. 

Im in the process of buying a home and its showing Im using 13 % of my Balance when its been paid off since XX/XX/2022. 

I dont want to close the card but I do want them to accurately report it and update it monthly.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a payment of {$1500.00} to Capital One Venture card by transfer from my Capital One checking account on XX/XX/XXXX, XXXX.I appears that transfer was accepted and deducted from my balance. I made the exact same transfer of another payment of {$1500.00} from the same checking account on XX/XX/2023. Both payments would have put my account balance below my credit limit. On XXXX XXXX, a small automatic payment was declined because it would put my balance over the limit. 
When I called the bank, they informed me that, because I had to close a previous checking account and open a new one due to fraud, the credit card division was holding the deposit for XXXX business days before making the funds available. I had not been informed of this before. The new checking account was in good standing, and I had deposited the fund into the account in cash. I can't effectively use this card under these conditions. I can not open a new account at this time because the fraud has temporarily affected my credit rating. 

Below is a copy of the email I received : Venture Credit CardXXXX Make a payment to help avoid future declines. 

Hi there, Your {$16.00} purchase at XXXX on XX/XX/XXXX was declined because it would have put you over your {$12000.00} credit limit. 

If you make a payment now, it often will be reflected in your account immediately, but can sometimes take 1-2 days. 

Balance summary Credit limit {$12000.00} Current balance and pending charges {$11000.00}
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America withdrew more than {$1000.00} from my bank account despite having a {$0.00} credit card balance. Bank of America then gave my {$1000.00} plus dollars to the State of New Jersey. Bank of America refuses to withdraw monies from my account when there is a balance and simply cancelled my credit card.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Recently, I viewed my XXXX credit report and found out that Citizens entered negative information about me that resulted in a XXXX point drop in my credit score. I called Citizens and informed them that their information was incorrect. I do not have an outstanding balance with Citizens and owe them nothing. They agreed and have stated that they will conduct an inquiry to try and get my credit score corrected. They said it will take two weeks. This is abslutely unacceppptable. I generally carry an XXXX plus credit score and Citizens careless mistake resulted in a dramatic drop in my good credit. Mistakes like this have real implicaations for consumers and it is wrong.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY
Consumer complaint received 2019-10-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CW Financial (IA)

This company has threatened to take my XXXX check for a account I do not owe. They have changed the date of the transaction from XXXX to XXXX. I believe this is a scam and it's affecting my credit.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

XX/XX/20 The checking account was opened via First Citizens website with a promotional offer of {$300.00}. Very easy terms and conditions to follow, simply use the debit card 10 times within 90 days OR Deposits of {$1000.00}. I have without a shadow of a doubt completed BOTH of the options even though I was presented with an OR option. This bank has not paid me the {$300.00} even though I used my debit card 23 times within 90 days and did my deposits even though they were not a requirement.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 my card was used inside of an airport in XXXX. at the time i received a call from BANK OF AMERICA asking me if i was the one who used the card. i responded to them 'NO '' they thanked me and told me they would send me a new card stop the old one from being used. at the time of the incident i told the bank that the card was in XXXX XXXX and i was in XXXX XXXX Nevada. they asked me to confirm i had the card in my possession, so when i returned to XXXX XXXX i contacted the bank and told them that my card was here in my office. ever since i have opened up 5 claims with the bank and all 5 have been denied. 
the transactions go as follows ; XX/XX/2019 {$27000.00} XX/XX/2019 {$820.00} XX/XX/2019 {$260.00} XX/XX/2019 {$880.00} XX/XX/2019 {$26.00} XX/XX/2019 {$7.00} i have contacted bank of america roughly 20 times regarding these claims and spent over 50 hours on the phone with them. they keep telling me that it is not fraud because the card was present at the time. the bank is telling me that it is impossible to replicate a card with a chip. i asked the bank to check the cameras inside of the airport, contact the vendors. i also told them i can provide them with proof that i was in the country at the time, and i also send them a formal letter explaining the series of events that took place. today i talked to them for another hour and they advised me that my claim was denied again. i got frustrated and decided to follow up with a complaint
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (CT)

Hello. I am submitting this complaint due to no communication regarding a status on a investigation from Equifax. I wrote Equifax on XX/XX/2021 about 4 inaccurate items on my credit report. I provided everything they needed for a investigation and again I am supplying it her in this complaint. In the beginning of XXXX I was told after going through the verification over the phone that my disputes have been received but could not tell me whats going on expect its in progress so I sent another letter on XX/XX/2021 to see if I can get a response in writing. It is now XX/XX/2021 45 days since my first complaint and still nothing. It's been 45 days since my first request and this company keeps reporting inaccurate information in my credit report.
Consumer complaint received 2022-07-11
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. (MD)

THERE ARE 3 DIFFERENT ACCOUNTS THAT IM NOT AWARE OF. IM A VICTIM OF IDENTITY THEFT. I HAVE ALREADY REPORTED TO POLICE, IVE CONTACT MY BANK SO THAT ACCOUNTS COULD BE CLOSED AND IVE UPDATED INFORMATION FOR PAYROLL WITH MY JOB. THERE ARE TWO ACCOUNTS FOR XXXX AND ONE WITH XXXX XXXX
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have had an ongoing problem with Shellpoint mortgage. I have consistently fully paid the mortgage monthly since its inception and have never missed a payment. 

The loan was established without an escrow, and I have paid the insurance and taxes without lapse. On numerous occasions, I have supplied proof of insurance to Shellpoint, but they have not updated their records, and have applied lender placed coverage on the loan and added the cost to an escrow balance on the account. Since I already have insurance on the property, I refused to pay the escrow balance, and have asked Shellpoint to rectify this situation. This has been an ongoing issue with them for the past 2 years, and they have not corrected their records. They are now calling me non-stop trying to collect the balance and show the loan 60 days in arrears which is negatively impacting my credit.

I provided Shellpoint full proof of insurance coverage for the past two years including building liability and flood insurance policies via email to XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and have requested that they correct their records. Rather than update their information, I have received 2 additional letters from them demanding proof of insurance.

I have tried to resolve this issue through Shellpoint 's customer service, but find them to be useless. Instead of resolving the issue, they tell me they will file a complaint and request that I send the proof of insurance to the email address that I referenced above.

I recently tried to refinance the property to get away from Shellpoint, but the negative impact they are having on my credit is preventing me from refinancing. I need your help to get this resolved and will provide any and all documentation you need to resolve this issue with Shellpoint
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lockhart, Morris & Montgomery Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

XX/XX/2020, National Credit Ajusters LLC reported to the 3 credit reporting agencies that I owe a debt of {$1600.00}. I responded to the 3 credit reporting agencies online with a 609 dispute letter. 30 days later I received an email by XXXX  that National Credit Ajustersdebt will remain without validation of the debt AS I REQUESTED. I have yet to get any response from National Credit Ajusters LLC. I want to see the original contract with my signature on it or and validation proof.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (FL)

I contacted my mortgage loan servicer multiple times to inquire about dropping my PMI. 
I sent 2 messages through the website with no response or confirmation that my messages were received. 
I called on XX/XX/21 and spoke to someone on the phone. She let me know she would initiate a request and I would be contacted by someone with details on the process. The next day, XX/XX/21 I received a Borrower-Initiated MI Termination Evaluation Results letter. The letter stated that my LTV is 93.18 %. I emailed back and asked where the LTV percentage comes from. I wanted to know what figures were used to calculate this percentage. I sent another email on XX/XX/21 and XX/XX/21 requesting a response because I had still not received one. I then called on XX/XX/21 and spent 55 minutes on the phone with a representative and then a supervisor. The representative told me the LTV was calculated by taking my original loan amount divided by my unpaid balance. Then she told me it was calculated by taking my original loan amount divided by the value of my home. I stated that the letter I received stated the value of my home had gone up and the calculation was inaccurate. She then transferred me to a supervisor. The supervisor stated that my LTV was calculated my my original loan amount divided by my home 's current value. When I asked him to look at the letter I was sent so we could go over the amounts together he stated he does not have the letter. I asked him if I could speak to someone that did since the woman that transferred me did have the letter. He said I couldn't speak to someone else. He asked me to send them back the letter that they sent me so someone could review it and call me back. I emailed the letter back to the company on the same day. On XXXX sent a more detailed email of what information I was looking for. No response. I sent another email requesting a response on XX/XX/21. No response. I just want someone to review the PMI letter with me. If my LTV is, in fact, calculated by my original loan amount divided by my home value, the percentage is not correct based on the home value ( AVM ) listed in the letter sent to me by the servicer.
Consumer complaint received 2020-09-02
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. (NJ)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,