davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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. (FL)

Ive included a copy of my credit report this alleged account closed 2019 and every month since then Experian has been reporting a charge off status which caused my score to drop how could you report a charge off status on a closed account monthly thats damaging my score drastically and according to fcra accounts should report accurately please remove account from report
Consumer complaint received 2021-10-27
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. (PA)

On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, XXXX, and EXPERIAN, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, XXXX, AND EXPERIAN place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (VA)

In XXXX, my mother, who lives at the same address, sent a letter to Comenity Bank, indicating that she wanted to close her XXXXXXXX XXXX Card. Unfortunately, we have sold our home since that time and are in temporary housing and we can not locate a copy of the letter. However, Comenity Bank should have a copy of the letter in their files. 

I have made some attempts to order through the XXXX website which were unsuccessful. I kept getting a Token mismatch error, which I thought was a website problem. Finally, a XXXX representative told me to call the credit card company. It took me a couple of weeks to do so due to the fact that I was in the middle of selling my house and vacating the premises. When I inquired of Comenity, they told me that my card was shut down. 

At that point, I knew that they had mixed up my mom 's request to shut down her card, and had shut down my card instead. 

I asked them to reopen my card. Comenity says they can't do this. I will have to reapply for a new card. I will lose all my status with XXXX ( free shipping, points status, etc. ) A new card is not the same as my old card. This is not apples to apples. 

This is Comenity 's mistake. My mom 's letter contained her name and credit card number. There is NO reason why my card should have been shut down. I have been a 15 year customer for Comenity. Also, my Mom 's account, is still open and she wanted it closed down. 

( Now, I wish that I had realized Comenity 's mistake earlier, but I had a good deal going on in my personal life with selling and buying a house and moving from XXXX state to another. Comenity seems to blame this on me, because I should have notified them earlier. I think that is very poor customer service. ) I did talk to a nice manager, XXXX, today, but she was unable to offer any guarantee that the issue would be resolved favorably. This needs to go to an executive to be resolved, so I am filing the CFPB complaint.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (PA)

On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, EQUIFAX, and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, EQUIFAX, AND XXXX place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My Bank of America credit card was stolen and used at about 10 brick and mortar businesses and two online transactions. I issued a fraud claim with Bank of America. The card was cancelled and a new card was reissued. There were several new fraudulent online transactions that were initiated with the new card, That second card was cancelled and a third card was issued.

I reported this fraud to the local police, I put a freeze on my credit with the the three credit bureaus. I contacted XXXX, to whom I pay a monthly fee, and initiated a fraud alert. 

Bank of America has denied my claim, stating that they believe that the charges are similar to the charges I would have normally made. I have tried to dispute this, however, Bank of America 's customer service has put me on hold for over two hours. Each time I speak to someone they transfer me to another department where I am again put on hold.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA has prevented myself from accessing the funds in my account, and have failed to notify me of account changes and account actions they have taken without my consent. 

For multiple weeks now, my debit card has not worked. My debit card is set up for auto pay on almost every single bill I pay every month, including car insurance, phone bill, server bills, business fees, etc. 

At no point did USAA notify me of any issue with my account, either through phone call, email, or any form of correspondence or notification through the USAA mobile application. 

This has completely eliminated my access to my funds. I am unable to use any of my funds or pay any of my bills, and have had to directly transfer all of my bills to different routing. This has not only cost me a lot of time and suffering, it has caused a severe financial burden. 

Because nobody from USAA would call me or email me, I decided to email the CEO of USAA directly - XXXX. I received a call from an agent today, who advised that my debit card is not locked out, but has only been suspended because the pin number was input incorrectly too many times. Again, at no point did this entire corporation notify me of this through any form of communication. Not only is this a severe issue because of the lack of access to my funds, this could have been a possible breach of security. 

A pin number being input incorrectly too many times is a clear indicator of fraudulent activity. Had this been the case, USAA wouldve allowed somebody to continuously commit fraud without notifying me of any issues whatsoever - A blatant and direct violation of federal law, and the agreement I signed when I created the account.
Consumer complaint received 2022-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (FL)

Complaint against XXXX XXXX XXXX and Medical Revenue Service. 
This debt has been paid in full since 2019. XXXX has enlisted THREE debt collectors now to try to collect a debt that has been paid in full since 2019. I am uploading all of my proof and documentation.
Consumer complaint received 2022-01-10
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. (DE)

The following items mentioned below were totally incorrect or has inaccurateinformationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

XXXX XXXX XXXX Balance : {$0.00} Why is this account still in my report? This account has been closed with no balance owed. Please justify the deletion request for this account. Also, provide any documentation to validate that your investigation and remarks are correct. Nonetheless, delete this account immediately. 

XXXX XXXX Date of inquiry XX/XX/XXXX Could you corroborate the accuracy of this reporting since I don't recall inquiring about this company? If needed, delete it from my report. 

XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Hurriedly check the date presented as I think it may be a possible mistake. Revise or discard this information from appearing on my credit report.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is a complaint made by a consumer natural person. On the XX/XX/XXXX, CAPITAL ONE received my signed payment coupon via certified mail. As authorized representative, I endorsed that bill with my signature and trust account number pursuant to UCC 3-306. HJR 192 of 1933 and 18 USC 8 are my proof that I am well within my consumer rights. I am holder in due course of my trust account and seek to use it properly. I have attached pictures of the original endorsed bill. CAPITAL ONE agents were not trained well enough to understand the terms and laws which allow consumers to defer payments. Credit is the right granted to a debtor to defer a payment, but the phone reps were telling me that credit was a loan given to me which was completely deceptive. They were not equipped to understand what a bill of exchange is. I am simply exercising my full faith in credit but CAPITAL ONE is hindering me from doing so thus making life more difficult.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (CO)

I received a letter from Weltman, Weinberg and Reis stating that I owe almost {$10000.00} for being an uninsured motorist involved in a car accident. 

I informed them that I have car insurance, have not been involved in any accidents and that the attempted debt collection was a mistake. 

They responded by sending a letter again demanding the {$10000.00} and this time including a police report stating the name of the driver at fault ( not my name ), the car involved ( not my car ) and the location of the accident ( a location that I have never been to ). 

It should have been quite obvious before sending the second letter that I have no involvement in this case. 

The case number is XXXX.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-03-11
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. (MI)

TransUnion needs to fix the issues about the inaccurate information for the account and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and account that I am disputing : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX  XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXF Date of inquiry XX/XX/2021 AXXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2022-03-11
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. (TX)

Experian has been called several times and has not completed any investigations. Experian Representatives have stated investigations are complete. Even when stating I have had identity theft and have proven so, by completing a police report and having data from XXXX stating I was included in password leaks and have settled out of court for the damage. Experian has held to neglecting to remove the information from my profile. I have recorded my last conversation to prove the negligence of Experian and now wish to move forward with a full federal law suite , with this being my second step in a Default notice which will also be presented to Experian if this last attempt is not met with Due CARE, By mail. The audio file is with Specialist of the Fraud Department XXXX who would not give any other information or a report number. I am re-attaching the information provided in the last report. numerous data details which are not accurate remain on this profile, and Experian should be held responsible for continuing to maintain inaccurate data after not acknowledging the Affidavits being provided and stating they have not received them. when I am being provided the received receipts. This has been a year battle with EXPERIAN. Every minute spent calling and every effort communicating with Experian will not go without penalty. As a Service Provider and Company Experian should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to EXPERIAN to provide Due care.
Consumer complaint received 2022-03-09
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. (FL)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have Equifax get back to me with regards to the issue. Here are the items that concern me : US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (MO)

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/XXXX, I sent American Honda Finance Corporation d/b/a Honda Financial Services ( HFS ) a Validation of Debt letter and a Cease and Desist pursuant to 15 U.S. Code 1692c. HFS is in receipt of these documents as verified by XXXX return receipt as well as confirmation from XXXX in the Post Recovery Department. 15 U.S. Code 1692c ( b ) says a debt collector such as HFS can not contacting third party regarding myself, the consumer, or any of my private information. On XX/XX/XXXX, HFS contacted third party XXXX, gave them my private consumer information without my consent, and ordered them to illegally repossess my property. XXXX then contacted a fourth party XXXX XXXX XXXX XXXXXXXX and gave my private consumer information without my consent to them as well. XXXX XXXX XXXX XXXX  damaged my driveway in their process of stealing my property. HFS never sent proper legal notice of their intention to take such action of stealing my property. The illegal repossession of my property is an individual act against 15 U.S. Code 1692e ( 4 ). XXXX in the Post Recovery Department told me in order to get my property I would need to pay the alleged debt or my property would be sold at auction. This is an individual act against 15 U.S. Code 1692d ( 4 ). On XX/XX/XXXX, I sent HFS a Notice of Billing Error regarding errors found in the the Federal Truth in Lending disclosures section of the contractual agreement pursuant to 12 CFR 1026.13 ; 15 U.S. Code 1666 ; and 15 U.S. Code 1693f. HFS is in receipt of this Notice as verified by XXXX signed return receipt. HFS has ignored this Notice and ignored its obligations to provide the documentary evidence described in the notice. Pursuant to 12 CFR 1026.13 ( d ), HFS can not collect any disputed amount or accelerate payment without resolving the billing errors HFS has been notified of. HFS says they have a lien on the property through the contractual agreement that I have disputed on XX/XX/XXXX due too several errors found on the contract, gave a third AND fourth party, who were not involved in the original credit transaction, access to my personal consumer information without my consent. HFS has illegally repossessed my property without lawful notice of their intent to take such action. Again, this action is an individual act against 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution. I have also filed a complaint with the Texas Attorney General.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

I own a rental property that has two separate buildings, as such I am required to have two separate rental property/homeowner policies. I have send multiple emails, letters, and have had multiple phone calls with the company about this. They have sent me confirmation previously that they understand this. They have currently sent me a notice that they are paying multiple insurance companies, which is inaccurate. On multiple occasions, they continually send me notices that I have insufficient insurance and will be canceling my insurance ( XXXX ) and forcing me to pay for their overpriced insurance. This has happened on multiple occasions, at least yearly, and I am usually forced to call to fix. At this point, there is no way to contact any customer service agents at XXXX, at all, I have tried calling two to three times a day, at multiple numbers, for a week now, and I received nothing but automated systems and responses, with no way to speak to anyone. The contact form on their website sends an automated response, ensuring contact within 48 hours, its been over a week and I've tried twice, no one has addressed the issue, and I have no ability to contact anyone at the company.
Consumer complaint received 2022-06-14
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: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2021, AWA COLLECTIONS added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AWA COLLECTIONS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CO)

My complaint is about American Pacific Mortgage ( XXXX  XXXX XXXX, AZ XXXX ) assessing a flood insurance fee of {$2300.00}. However, when closing came there wasn't any mentioned on their part to get flood insurance in a area that doesn't flood. 
I have spoken to FEMA ( unfortunately ) and FEMA wants me to do an inspection and obtain an XXXX XXXX which cost {$4500.00}. 
Furthermore, I received a phone call from FEMA ( XXXX XXXX, 2021 ) indicating that my subdivision where my house is didn't require an XXXX XXXX. Go figure! 

Now, American pacific Mortgage wants me to pay that amount, but I will not. XXXX should have known I didn't have the flood insurance at closing, but XXXX waited 4.5 months to now assess me with this high flood insurance fee. 

As far as I know I am allowed to choose my own insurance. However, I did contact APM a couple of times about this and I never heard back from any one. 

I CAN NOT AFFORD to pay {$200.00} + XXXX + {$160.00} = {$1900.00} per month when XXXX should've told me this before closing. This is ridiculous!