davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WA)

I filed chapter XXXX bankruptcy XX/XX/XXXX. My mortgage was not included and has been and is still being paid on time every month. My credit report states I filed bankruptcy on my mortgage and does not show payment history or balance since the filing of my bankruptcy. I am in good standing with my mortgage and it should be used to increase my XXXX XXXX but instead there is no info. I had problems with them already holding my payments and not posting them and reported them to the irs for not posting my XXXX and XXXX payments that were taken out of my account in XX/XX/XXXX and they put in a holding account and didnt post until XX/XX/XXXX so they didnt include on my mortgage interest statement. I provided documents to IRS and they told me I was correct and to claim it and they are investigating them now. They keep holding my payment in a holding account making it look like its late on my statement when it arrives and it clearly states XXXX thank you for payment ( in holding account ) when I call they tell me not to worry about it but they are obviously scamming me. And experian did nothing about it. Obviously if I had submitted my house in bankruptcy I wouldnt be paying it and it would have been taken from me. I pay on time every month!
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Tried to pay my bill on XX/XX/22 - error comes back, " Unexpected error occurred in backend system ; see moreInfo for exact details '' - there is no " moreinfo '' to view details. I call into the bank to attempt to pay by phone. I look up account by social security number. " I am sorry we have no record of that number, please be sure to enter your full 9-digit social security number '' - I entered it again, SAME RESPONSE. I switched to look up by 16-digit account number. " I am sorry our system is not available, please try again later '' and the call disconnects. 

I AM BARRED FROM PAYING MY ACCOUNT TIMELY!
Consumer complaint received 2021-10-10
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got notice from Capital One I was delinquent on my loan with them for a truck in account ending XXXX. I dont and I never had a vehicle through Capital One. I did not buy any truck. Eventually I saw the account online, it appears XXXX was paid and XXXX is remaining and they want it from me.I am not paying for what is not mine. I have repeatedy asked for a copy of what I signed or what causes them to say this is my account and they will not, I told them this, that XXXX bought no truck through them ever in my life. Instead of providing me anything showing I did anything wrong they sent me a pre-written statement to sign saying that they believe I have committed loan fraud. I refuse to sign that and told them to put me in jail for fraud. I have been a XXXX XXXX 51 years. My position XXXX XXXX XXXX, I kept that position over 20 years and I have no bad conduct of any type in any internal affairs file anywhere..I certainly have no arrests. My credit report shows a 200 point drop ... this should be dropped as they refuse to show me what I did and when. It has been close to a year and the only action is to accuse me... They need to drop it or put me in jail. My credit MUST be restored ... Hard to imagination someone buying in my name but I know its done, harder to believe they accuse without saying why.or showing me just what I am supposed to have signed.I have talked to them more than several times about this and each time I am told they will look into it and here comes another " you owe '' .Many times I have requested the documents I have signed and they agree to send and they never come... If I did this I sure wouldnt challenge to put me in jail but I do... I owe them noththing and have two other accounts that are good in fact one is overpaid however they have done something and when I try to use my cards they are rejected ... accused without cause, denied what I have congracted with them to do.It should be noted I have -0- information from them on this matter but for the statement to sign where they accuse me. OPEN MY REAL EXISTIN ACCOUNTS, FIX MY CREDIT REPORT, OR PUT ME IN JAIL< GO FOR IT
Consumer complaint received 2021-10-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

XXXX XXXX received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law. 


The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce. The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by
counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim.

Chase bank has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.
Consumer complaint received 2022-07-15
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.
Consumer complaint received 2021-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Lender Placed Insurance fraud, Proof of Insurance provided to mortgage servicing company Shellpoint Mortgage Servicing, received letter stating funds removed from escrow account would be refunded, funds never refunded, additional " Lender Placed Insurance charges removed from my escrow account, mortgage servicing company started applying miscellaneous fees to my mortgage account to compensate for fraudulent Lender Placed Insurance charges against my escrow account never refunded as per letter from Shellpoint Mortgage Servicing, all of my payments have been made on time, they have not been applied to my mortgage properly, nor have the funds for the fraudulent Lender Placed Insurance charges been refunded to me or my escrow account, additionally Shellpoint Mortgage servicing returned several of their other customers live mortgage payment checks to me, somehow associating them with my account, my account is now so far off from accurate, I don't know how to correct myself or force Shelllpoint mortgage to correct all of these fraudulent charges and my escrow account balance. All of these fraudulent charges have caused my credit rating to be destroyed in addition to the problems with my escrow and mortgage, I need real help. I am XXXX and a veteran. 
Shellpoint Mortgage Servicing account # XXXX
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

I canceled a homeowners and auto policy that was connected with automatic deductions from my pay role as of XXXXXXXXwith XXXX XXXX and began XXXX XXXX. They kept asking for payment and my insurance company sent notification XX/XX/2021. I resubmitted notification of cancelation on XX/XX/2021 by mail and again on XX/XX/2021. Finally they issued two separate checks for over payment. Then sent another bill. I ignored the bill thinking it was an error and oversite. They wanted me to pay for insurance and figured if I didn't pay it, the policy would simply be canceled. I was tired of going back and forth with them. As of today I received notification that XXXX XXXX company who took over XXXX XXXX submitted uncollected debt of {$94.00} to Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

Unable to access my account for over a month, still waiting for a PIN NUMBER they said was going to be mailed out to my XXXX P.O> address since XXXX XX/XX/2022 ... ... after more than a month of waiting, I am still unable to access my on-line account due to excessive information requirements and lack of alternate ways to provide me access to my basic checking account on-line. Although I have been 3-4 hours waiting for Service Representatives and gone through their 100 % authentication procedures and having them confirmed 100 % it is me who wants access to my account, still they have led me to no solution to my PROBLEM in trying to access my account. I am stationed XXXX XXXX on a overseas tour and bank of America has no ATM or bank branches here that I could easily access my account. Their customer representatives some of them are straight unpolite and unhealthfully awful to customers like me stationed overseas and unable to just drive to a Bank of America branch and get one-one help. Today XXXX XX/XX/2022, I still have not received a PIN for my checking account ATM card which they now require as to be able to log into my on-line account. Before, Bank of America required only an authentication through my email or direct text massage to my telephone number, but someone added a PIN NUMBER requirement to the on-line authentication. I have tried time and time over talking to a Service Representative numerous times throughout last 3 months about giving me a way into my account once they verified that it is my the owner of the accoun on the line... .everytime, they tell to wait for my PIN NUMBER... .that PIN NUMBER has never arrive ... ..Thanking you in advance for all they help you can do to help me while overseas and unable to check my checking account .... I have been with bank of america for over 15 years and can not understand why they are treating me this way .... XXXX XXXX XXXX, my XXXX cell number XXXX XXXX XXXX XXXX, and my email : XXXX XXXX
Consumer complaint received 2021-10-10
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. (OH)

The following is a list of disputes on my report that was ot resolved as " verified '' per the FCRA. I disagree with the following information & have been requesting the items be deleted due to teh inaccuracies. In addition to the information being inaccurate, I have requested 10 times now a " METHOD OF VERIFICATION '' from Experian, which I have not gotten. 

1. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Terms is reporting incorrecly as 89 months, which it is suppose to be 72 months. 
Reason # 2 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Monthly payment is being reported as {$0.00}, but if that is the case then the late apyments needs to be removed or the account needs to be removed from credit report. 
4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 
5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 
6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 

I've tried to handle things with the CRA themselves, but Experian has been difficult and given me a difficult time regarding these errors. Accounts needs to be deleted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed.
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (FL)

Ability Recovery Service has damaged my credit terribly with duplicated collections that they refuse to verify with my signature, list of services, dates, and amounts. I've called and emailed them about removing these fraudulent collections and they tell me that I have to pay or have bad credit forever. The staff is very rude and kept insisting that I owe this debt. I even told them how the same exact amounts were duplicated multiple times and that there's practically no way that can happen with several visits to the hospital as they are claiming I did. I've fought with them for over 2 years and this has impacted my family and business tremendously. I've been denied resources because of this on my credit. Please investigate them and remove these items from my credit reports.
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I have been a customer with this bank since I was XXXX XXXX XXXX. Over the years they changed names and been bought out but I always stuck through with the same account. Since it became peoples United bank I have never had so many issues. 
I have been on partial unemployment due to covid and working part time at my job for 11 years. Unfortunately most of our staff has quit because of vaccine mandates which has effected my hours greatly to the point I have not been scheduled. I figured I can collect while I find a new Job for the time being. Unfortunately at the same time I also been cut off unemployment completely. I have a family of XXXX. XXXX children. We now live off of one income. I cant afford daycare and this has all happened with in 2 weeks. My life has been completely flipped up side down. Now Im scrounging up change to buy milk. Its very overwhelming how much can change out of your own control. During this time, bills were still being paid. I have since then turned off all automatic bills in my account. I have been in negative for two weeks and since Im in negatives I been hit with 16 over draft fees. XXXX  dollars total. This is an excessive amount of money for over draft fees all at once. I cant get my account out of negatives because I dont even have the funds to do so and the 16 over draft fees has made it impossible. Top priority is to keep my mortgage in good standing and food in the kids bellys. Please take my situation into consideration and wave some of these over draft fees. 
Thank you XXXX XXXX XXXX XXXX, 2021 2021
Consumer complaint received 2021-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In XXXX of XXXX, I got a copy of my credit report and noticed reporting of ARS credit collections. I reached out to them in an attempt to dispute the matter and asked them to verify the account as mine. The company in turn sent me a internal bill with none of the method of validation I requested.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (AL)

Dear Regions, I have been a customer now for two years leading into three. My account has been affected in overdraft charge fees for XXXX. Ive had to call multiple times in order to understand the reason for those charges. I am a fan of Regions, however, I have thought about leaving and going to another bank because of this same reason. Ive had to change stipulations on my account and became upset with Regions employees because of charges made on my account. I had no idea that top Regions officers were making those illegal charges to accounts and my account just so happened to the affected by it. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got notice from XXXX XXXX I was delinquent on my loan with them for a truck in account ending XXXX. I dont and I never had a vehicle through XXXX XXXX. I did not buy any truck. Eventually I saw the account online, it appears XXXX was paid and XXXX is remaining and they want it from me.I am not paying for what is not mine. I have repeatedy asked for a copy of what I signed or what causes them to say this is my account and they will not, I told them this, that XXXX bought no truck through them ever in my life. Instead of providing me anything showing I did anything wrong they sent me a pre-written statement to sign saying that they believe I have committed loan fraud. I refuse to sign that and told them to put me in jail for fraud. I have been a XXXX XXXX 51 years. My position XXXX XXXX XXXX, I kept that position over 20 years and I have no bad conduct of any type in any internal affairs file anywhere..I certainly have no arrests. My credit report shows a 200 point drop ... this should be dropped as they refuse to show me what I did and when. It has been close to a year and the only action is to accuse me... They need to drop it or put me in jail. My credit MUST be restored ... Hard to imagination someone buying in my name but I know its done, harder to believe they accuse without saying why.or showing me just what I am supposed to have signed.I have talked to them more than several times about this and each time I am told they will look into it and here comes another " you owe '' .Many times I have requested the documents I have signed and they agree to send and they never come... If I did this I sure wouldnt challenge to put me in jail but I do... I owe them noththing and have two other accounts that are good in fact one is overpaid however they have done something and when I try to use my cards they are rejected ... accused without cause, denied what I have congracted with them to do.It should be noted I have -0- information from them on this matter but for the statement to sign where they accuse me. OPEN MY REAL EXISTIN ACCOUNTS, FIX MY CREDIT REPORT, OR PUT ME IN JAIL< GO FOR IT
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Names : XXXX XXXX, XXXX XXXX, XXXX, XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX InquirieXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX