davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

I've recently been monitoring my credit report & noticed many inaccurate items, names, and addresses that don't belong to me. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following items be deleted immediately : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX Name ID # XXXX, XXXX XXXX  XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX. XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family, XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family. I have no affiliation with the following phone numbers : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX ) XXXX-XXXX.
Consumer complaint received 2020-09-08
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. (FL)

I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MD)

I opened a US Bank Silver Business checking account XXXX on XX/XX/2024 and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MD)

I opened a US Bank Silver Business checking account XXXX on XX/XX/2024 and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-08
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I lost my Truist Bank XXXX  debit card on or around XX/XX/XXXX, but didn't discover the debit card missing until XX/XX/XXXX when I logged into my online checking account and discovered unauthorized transactions on the account. I immediately called the Truist Bank customer service number to report the debit card lost and to file a clim for XXXX unauthorized transactions totaling {$2900.00}. I was transferred to the XXXX  XXXX and XXXX XXXX. where i was asked a few questions. I answered that the debit card wasn't in my possession at the time the transactions occurred, and that the card was lost from my wallet on approximately XX/XX/XXXX. The reason I said the debit card was lost on XX/XX/XXXX is because that is the date the fraudulent transactions began. Further, I said no one is authorized to use the account and no one else had access to the account including friends and family members. I received a letter from Truist Bank dated XX/XX/XXXX confirming an initiation of a review of the transactions on the Truist account that were reported as fraud. A second letter dated XX/XX/XXXX was then received, which stated Truist Bank is unable to honor the claim because there is a pattern of similar transactions which were not previously disputed that I benefited from. I only used the debit card three or four times in XXXX, and it wasn't used at any of the merchants listed in the claim. The fraudulent transactions occurred in various cities throughout Florida, with most of them being made in XXXX, a city I haven't visited. I've attached the correspondence letters for review.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IN)

My XXXX XXXX children have checking accounts, with debit cards, with Chase. Recently, my checking account was closed with a negative balance. After I was released from the hospital, I reached out to ask if the funds in the XXXX XXXX accounts would be used to resolve the balance in my closed account. I was told no. 

For the last week or so, we have tried, unsuccessfully, to access their money. We tried to withdraw it within the transaction limits from an ATM and have even walked into branches to withdraw or close the account with no success at all. These funds are my daughters ' XXXX and XXXX XXXX money. It is getting extremely frustrating that no one seems to know to release these funds to us so my children can have them.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (OH)

There was an on-line offer to open a new checking with specific requirements to receive a {$200.00} bonus. I met all those requirements listed in the offer and now the bank refuses to pay me the {$200.00} bonus.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (PA)

Subject : Request for Immediate Action on PMI Removal and Escrow Recalculation from my mortgage. 

I am writing to express my concern and dissatisfaction with the recent experiences I have had with my lender NewRez Llc. I believe that the practices currently in place are not only causing undue financial strain but also seem to be contrary to the principles of fair lending and they are becoming predatory lending because it affect my capacity to pay the mortgage. 

On XX/XX/2023, I requested the removal of the Private Mortgage Insurance ( PMI ) from my mortgage. However, I was informed that I would need to pay for a new appraisal. The cost of this appraisal negates the very purpose of my request, which is to reduce my expenses. 

In light of this, I made a second request on XX/XX/2023, for the removal of the PMI. In this communication, I also asked for specific references to the law, rule, or clauses in my loan contract that necessitate a new appraisal for PMI removal. I am yet to receive a satisfactory response to this query. 

Prior to my request for PMI removal, I received several emails from NewRez indicating that the market price of my house is {$430000.00} and above which they want to use as market offering me a re financing since they knows that I have positive equity in my loan. The price of {$430000.00} would make my Loan-to-Value ratio ( LTV ) significantly less than the 80 % threshold required for PMI removal. It's worth noting that my LTV was less than 80 % even at the time of loan approval, with a loan amount of {$310000.00} against an appraised value of {$390000.00}. 

My property has not suffered any damage, as can be verified through public records. On the contrary, I have made several improvements to my house, which should ideally increase its value. 

Another issue of concern is the handling of my escrow account. Despite a reduction in my house insurance premium fees in XX/XX/2023, there was no corresponding decrease in my escrow payments. I was informed that NewRez recalculates the escrow only once a year in XXXX. This predatory lending practice results in me paying more towards escrow than necessary, creating unnecessary problems in my capacity to pay the loan. 

These issues collectively create an environment that makes it challenging for customers to manage their mortgages. It gives an impression of predatory lending practice.
Consumer complaint received 2020-08-11
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: T.S. Holdings (SC)

I have a loan with IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MO)

Spring Oaks Capital has contacted me via writing to acknowledge me of a debt that I supposedly oew to them, without an account number, a bank that I am not familiar with and will not respond to my requests for a full and complete debt validation letter. It is my understanding that because they are a XXXX party collector, they are unable to complete this type of request because there are no contracts between them and myself. In good faith, I reached out ad offered to settle the account because the negative marks hinder my score. They do not respond to any of my mailings.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC (KY)

On XX/XX/XXXX the lender order and appraisal on the home we were trying to purchase. The loan officer told us the incorrect appraisal amount shortly after the appraisal and never sent us a copy. They told us we would be closing on the house in XXXX. The processor then told us we would be closing soon and to obtain homeowner insurance so we did in XXXX. The processor did not keep in contact with the insurance company nor us which I have documented with them and have all of my emails. Almost caused me to be in nonpayment for a home I dont even own causing my rate to go up for my car insurance. Then told us we would be closing in XXXX. Now it is XX/XX/XXXX and the last contact I had with her she was asking me for my job verification which I've already provided several times and should have been conducted before they approved me and sent an appraiser. I'm more than upset and will be filing complaints any Avenue possible.
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (FL)

On XX/XX/2018 I paid the debt in full. Yet, it is being reported as active by a debt buyer and the creditor, twice and they refuse to remove it from my credit report. It does not reflect correct credit history or that it is paid in full. I have the letter from the creditor stating it is paid in full yet, no one does anything about it.
Consumer complaint received 2020-09-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have a total of {$880.00} sitting in my Coinbase account. I bought and sold XXXX which is XXXX. I want to transfer my money out of my Coinbase account back to my checking account. They froze my funds. I don't understand how they could do this. I emailed them many times and they are giving me the run around saying that that they can't allow a transfer because of security issues. I feel they are saying this as an excuse to keep the money. Please help me with this situation. 

Attached you will see a copy of the email they sent me saying the funds can't be transferred out of Coinbase and another attachment showing a snapshot of my back office showing my available balance. And a description of the amount that says it is unavailable to transfer out. 

I feel they might be trying to keep the money. I was unaware that this thing could happen.
Consumer complaint received 2024-09-21
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

A charge of {$1500.00} was charged to my Capital One card on XX/XX/year>. I did not make this charge. I called to notify Capital One but they refused to reverse the charges because they said my credit card was present. I made multiple attempts to follow through and discover the source of the charge. I actually made a call to the merchant that originated the charge with XXXX of the dispute representatives from the credit card company on the phone with me. The call was recorded. The charge was made by merchant in another country where I have never been. This is in conflict with the fact that Capital One claims that my card was present for the charge. The charges have never been reversed. I have followed up with multiple calls to the dispute resolution department a letter asking for Capital One to resolve this issue. There has been no resolution.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

I applied for a credit card on line on XXXX XXXX, based on the fact that I had a 99 % chance of approval, according to XXXX. 

The bank involved was U.S. Bank. 

They did not identify the reason when denied, but said I would be getting a written letter documenting their reasons within 10 business days. 

That never happened. 

As it has been more than a month since I was denied, with no contact from U.S. Bank, this complaint is being filed. 

They knew that they had to comply with the law, and have failed to do so.
Consumer complaint received 2023-07-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a checking account with BOFA and was triple charged when I had funds then was double charged for over draft fee this needs to be fix asap this all happen on XX/XX/2023 2023
Consumer complaint received 2024-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hard inquiry I don't recognize. 
CAPITAL ONE Inquiry : XXXX XXXX, 2024 CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX, VA XXXX ( XXXX ) XXXX Hard inquiry I don't recognize CAPITAL ONE BANK USA XXXX XXXX XXXX. XXXX, 2024 CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX Alert Type : Inquiry - New Inquiry Found On : XX/XX/year> Inquiry Date XX/XX/year> XXXX CARDS XXXX Phone ( XXXX ) XXXX Business XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-04
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. (TX)

I have disputed the inaccurate reporting on XXXX accounts ( XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX, Account # XXXX ) with Equifax numerous times over the last XXXX years and each time Equifax sends me a notice stating that they have either verified that the accounts are reporting accurately or that the accounts have been updated. Equifax has. not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that Equifax verified the accuracy of the accounts and/or that the accounts were updated. Below is a list of disputed inaccuracies on both accounts : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate
Consumer complaint received 2024-10-08
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. (TX)

I am reaching out to dispute the inaccurate verification of an account on my credit report. The attached letters clearly show that the information being reported is incorrect. However, your agency continues to verify the inaccurate information as accurate without making the necessary corrections. 

This failure to address the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates proper investigation and correction of disputed information.
Consumer complaint received 2021-02-01
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. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/24 at XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX ATM machine closed the door with my money and printed a receipt saying the deposit had an error and gave me an XXXX number to call. It did not put the funds in my account and I was told I had to wait 7-14 days.

This is absurd! The company that picks up the money obviously did not balance and has my money. Yet I have to wait as my account goes into negative balance and checks returned. Not to mention I have had to cancel appointments that I had due to not having.