davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I am writing to formally express my concerns regarding the recent appraisal of my property by XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/year> from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. After careful review of the comparable properties he submitted, I am compelled to question the valuation placed on my home. 

It appears that the appraiser selectively chose only three underpriced/outdated/smaller properties, which are not actually comparable to mine, as they are smaller in square footage and consist of only three bedrooms and two bathrooms, whereas my property is a larger 4 bedroom 3 bathroom newly remodeled home. His choice in substandard properties seems rather peculiar, especially when there are numerous other properties that align more closely with the characteristics and market value of my home. The addresses of the appropriate properties are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX The decision to focus on the specific properties he did, raises questions about the objectivity of the appraisal process. By disregarding the more relevant comparable, it feels as though the appraisal has been intentionally skewed, resulting in a valuation that does not accurately reflect the true worth of my property. Based on the comparable properties I provided, my property should be assessed at a minimum of $ XXXX {$290.00} per square foot, whereas he has me at $ XXXX. Not only was the valuation itself an issue, but he also failed to meet the first two deadlines for providing his appraisal report. I then requested a new appraiser when he was in the wind, but was not granted a new appraiser. I am still awaiting his reply to my rebuttal. It has been two weeks since it has been submitted and he has missed XXXX deadlines for his rebuttal submissions since then. XXXX XXXX XXXX  is the lender and is encouraging me to file this complaint because they know this is wrong but " their hands are tied ''. 

XXXX XXXX and XXXX XXXX have raised serious concerns as to the honesty and efficacy of their appraisal program. 

I trust that you take these matters seriously and would appreciate your prompt attention to this issue. I look forward to your response and hope for a resolution that reflects the true value of my home. 

Sincerely, [ Your Name ] [ Your Contact Information ] [ Your Property Address ]
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My account was closed after I tried sending money to an account in XXXX as a payment plan for an apartment I was buying there. They say they will release the funds after they get information, I mention that I am dual citizenship and my english name is legally XXXX XXXX as I was transferring from my XXXX  account under name XXXX XXXX. I don't know whether its because of discrimination or another reason but as soon as they heard this they put my funds on hold. 

After two months of desperately trying to contact them and supplying all necessary documentation including passports, legal name change in the XXXX signed off by a judge, copies of the XXXX  nationality act showing my name change and a legal name change document. They finally signed off on releasing me my funds on XX/XX/2023. I spoke with my case manager XXXX who told me I could go pick up a cashiers cheque from the nearest branch as I came to America specifically to pick up the cheque. He told me it would be released to branch XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I was told by my case analyst that the funds would be available by Tuesday at this branch, It is Thursday right now and I am leaving tomorrow and they can not give me my funds. 

My property developer foreclosed on my apartment because I couldn't pay because Citibank had my life savings so I LOST {$72000.00}. 

I drove 2 hours here and they are now saying they have received nothing and they don't know where my money is. I spent {$3000.00} on this trip to America simply to get my money, not to mention all the immense stress I have been put under. 

They also said today in branch something along the lines of 'the funds should've been sent back on XX/XX/XXXX when you issued the recall, because the Citibank ERU said they signed off on a recall, I don't know whether this was a lie or a mess up on their side because my bank confirmed they received NO response ( attached message from my XXXX bank when I tried recalling the funds ) I have filed three complaints and now I am going to have to buy another flight back to America just to get this money, this is incredibly stressful and on top of it all I have a XXXX tax bill which I can not pay so I am getting fined because Citibank has effectively just told me and i quote 'we don't know where your money is '. 

I need that money, please help. This has been a major stress on me for 3 months now as that was y life savings and my future and because of Citibanks incompetence I have lost everything and I have been lied and lied to and it is all on recorded lines as well. At this point I just need my money in the account which is around {$25000.00} wired to my account in the XXXX or a cashiers cheque in the US or them to recall it to my sending bank also in the XXXX.
Consumer complaint received 2023-07-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (CA)

On Saturday XX/XX/2023 I discovered a collection agency on my credit report trying to collect for Advanced America in the amount of {$3400.00}. I filed a police report XXXX Police Dept report # XXXX officer XXXX XXXX . This is not my debt and have never used these services.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-17
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. (NV)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX Account Number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged identity theft but I still have remaining fraudulent items left that need to be removed. I was going through my records & noticed that many files that do not belong to me still remained. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found listed identity theft report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a capital one venture x card - the primary rewards feature of transferring points to travel partners like other airlines is completely bugged. It is impossible for me to convert my points into miles, which is a core functionality of the card and the entire purpose customers apply for it. We are asked to authenticate through a text message which is never sent or received. Many customers are experiencing this same issue. I have checked with customer support multiple times and they refuse to fix this issue. It is absolutely unacceptable.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX, MI XX/XX/2023 XXXX XXXX XXXX City , State, Zip RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/2023, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
If you have any questions or need additional information, please contact me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

Chat with XXXX XXXX  that a illegal EFT was initiated and refused to be corrected causing a stat damage of XXXX, Under the EFT Act ( i ) An unauthorized electronic fund transfer ; ( ii ) An incorrect electronic fund transfer to or from the consumer 's account ; ( iv ) A computational or bookkeeping error made by the financial institution relating to an electronic fund transfer ; ( vi ) An electronic fund transfer not identified in accordance with 1005.9 ( https : XXXX ) or XXXX ( a ) ; ( https : XXXX # a ) or ( vii ) The consumer 's request for documentation required by 1005.9 ( https : XXXX ) or 1005.10 ( a ) ( https : XXXX # a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists under paragraphs ( a ) ( 1 ) ( i ) through ( vi ) of this section. Account Agrement Section ( iii ) electronic bank Section 1., F and Section 4 of the overdraft protection agreement gives I/we the right to revoke and or Modify. Section Article 1 of the PA State Constitution, Common Law Tort Invasion of Privacy intrusion upon seclusion, Unfair Trades and Prectices Act and applicable case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breech of contract!
Consumer complaint received 2024-09-17
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act these creditors or creditor has violated my rights under. The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately. 

Informative Search ; Date : XX/XX/XXXX Informative Search ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX  ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX
Consumer complaint received 2024-09-17
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. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was stunned to see incorrect accounts show up on my credit report today. I have no idea how it happened. I always check my report, and this time there were errors that made no sense. I even refreshed the browser, hoping it was just a glitch, but the mistakes remained. Im really frustrated and want my documents checked thoroughly so I dont have to deal with this again.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2024-11-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (OH)

I am disputing a balance reported by Eastern Account System for services provided by XXXX. My lease for the property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX terminated on XX/XX/XXXX. I returned all equipment and received a credit from XXXX in XX/XX/XXXX. Despite this, I have been charged for services in XXXX and XX/XX/XXXX, which is incorrect. Eastern Account System has reported this to my credit as a collection account, resulting in a negative impact on my credit score. I have attached a copy of my lease agreement showing the termination date, proof of equipment return, and the credit received from XXXX.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANNER CORPORATION (WA)

This is exploitation of the poor and XXXX with regards to what my bank is doing to me! They deducted a settlement agreement of {$140.00} from my checking account on XX/XX/20 for a debt that was owed to XXXX XXXX XXXX and XXXX XXXX XXXX. The two companies both claimed that they never received the payment. Banner Bank is worse than XXXX  XXXX XXXX.
Consumer complaint received 2023-11-14
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. (NJ)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a credit card from CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/. There was an error on their part. I was never 30 days late.