davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (TX)

1. All the cases they send me have no post mark date on the outside stamped by the XXXX. This is a huge problem because the dates on their letters I receive are dated at least 10 days later than when I actually get them in my mailbox and informed delivery notifies me. So this means I only have 20 days or less to actually try and pull up the ONE TIME USE PIN NUMBER they provide TO TRY AND READ THEIR REPORT and dispute anything.

2. I have asked that all the consumer reports they send me to be sent to me in paper form and NOT WITH A ONE TIME USE PIN NUMBER TO OBTAIN THE REPORT ONLINE. ESPECIALLY BECAUSE OF HAVING LESS THAN 20 days to try and obtain my consumer report, read it, mark all the things wrong, and then dispute them, all WITHIN their 30 days.

3. Lexis Nexis has more than one consumer report that is in my name that is using my personal information including my social security number, drivers license number and other personally identifying information and they sent all these different reports to me after I filed my first two complaints with you. So within a few days, I was bombarded with these reports and since I have ongoing fraud and identity theft issues, unreliable internet service, compromised devices, and sending me all these at least 10 days later than the dates they list on their letters and only giving me 30 days from those dates to dispute anything on them was an impossible task.

Also only one report was in paper form and the others were with a one time use PIN number.

Why arent they consolidating all these different reports with my personal information into one report instead of having more than one?

Lexis Nexis also had information that I disputed and they said was removed in XX/XX/year>. 
Lexis Nexis is difficult to reach, talk to, obtain my information and refuse to let me speak to. XXXX. 
I want all my consumer reports consolidated into ONE REPORT AND THEN SENT TO ME IN PAPER FORM SO I CAN PROPERLY DISPUTE ALL THE WRONG INFORMATION WHICH IS QUITE EXTENSIVE, and that they do not back date these reports so I have the full 30 days to properly examine and dispute it.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (TX)

I placed an order with XXXX ( fake company ) paying USING Affirm on XX/XX/year>, for two Pro LED Therapy masks totaling {$510.00}. I NEVER RECEIVED THE PRODUCT AND I NOTIFIED AFFIRM AND REQUESTED THE LOAN BE CANCELLED. I FILED A DISPUTE WITH THEM CASE NUMBER XXXX ON XXXX AND THEY NEVER INVESTIGATED THE COMPANY. AFFIRM HARASSED ME FOR MONTHS. I PROVIDED THE WEBSITE OF THE COMPANY WHERE I REQUESTED CUSTOMER SUPPORT AND NEVER HEARD A RESPONSE. I SENT TWO TO THREE TEXT MESSAGES, WHICH I UPLOADED TO AFFIRM. THEY NEVER RESOLVED THIS LOAD ISSUE, BUT INSTEAD REPORTED IT TO THE CREDIT BUREAUS. I HAVE FILED TWO CREDIT REPORT DISPUTED AND I HAVE BEEN DENIED BOTH TIMES. I SHOULD NOT BE PENALIZED FOR A LOAN FOR EQUIPMENT THAT I NEVER RECEIVED!!! AFFIRM NEVER TRIED TO CONTACT DERMABEAM TO RESOLVE THIS ISSUE.
Consumer complaint received 2024-08-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I purchased {$17.00} worth of merchandise at a XXXX XXXX  on XX/XX/XXXX. I was billed by Comenity Bank and paid the full balance of {$17.00} on XX/XX/XXXX. ( The due date ), according to my records. I did not use the card again and did not see any new statements. It came on my radar in XXXX, I believe, that interest and late fees were accruing because the bank recorded that my payment was XXXX day late. I called and was told they would refund most of the late fees and that I would have to dispute the rest online. However, there is no mechanism for disputing late charges. Meanwhile, the bank has reinstated and added new late charges and interest before resolution took place. I now owe an additional {$94.00} on a {$17.00} purchase. I have asked the bank to freeze the account and stop late charges while we work on a resolution. It is ridiculous that Im being charged {$110.00} for {$17.00} worth of merchandise because of a 1 day discrepancy.
Consumer complaint received 2024-07-29
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This credit card was my first credit card my history as I explained I paid XXXX $ in cash local BofA branch in XXXX XXXX, to get credit card with XXXX $ credit limit thats mean this is secure credit card. 
BofA makes decision to close this account Explained in mail sent to my address, that i exceed the limit which I paid in full. I call credit company explain but was desperate answer. BofA owes me the XXXX $ deposit they never paid.the worst is they cut my credit history significantly.I will be grateful appreciate if you investigate this issue. 
Thank you
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CapitalOne Acct # XXXXHas caused me a lot of stress because of what they are reporting on my XXXX credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus and XXXX are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! XXXX never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I Sent my letter off on ( date ). I requested that the credit agencies to " investigate this information thoroughly '' on the accounts I have listed below. 
Also I have attached the letter I sent out and here is the According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account ( s ) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurately .According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Ive marked the inaccuracies with my included credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (CO)

I was coming off the CARES act and was supposed to be on a VA streamline during the closing of the deferment my loan was sold and purchased by midland mortgage they made a clerical error and in the process reported me negatively to the credit bureau They since rectified the loan status which as to all three credit bureaus from XX/XX/XXXX Im shown as not delinquent but on one report it is showingXX/XX/XXXXdays negative can you help
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (LA)

15 U.S.C.1692C IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CUNSUMER REFUSES TO PAY A DEBT THE COLLECTOR MUST CEASE ALL COMMUNICATIONS
Consumer complaint received 2024-08-13
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: Bread Financial Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/year>, I mailed an error resolution notice, per 12 CFR 1024.35, to Navy Federal Credit Union. I asked them to investigate a negotiable instrument accepted by them on XX/XX/year> that had not been applied to the account for the mortgage statement due XX/XX/year>. This failure to apply a payment accepted violates 12 CFR 1024.35 ( b ) ( 2 ). I received no response. 

On XX/XX/year>, I mailed an error resolution notice, per 12 CFR 1024.35, to Navy Federal Credit Union. I asked them to investigate a negotiable instrument accepted by them on XX/XX/year> that had not been applied to the account for the mortgage statement due XX/XX/year>, plus information for the error relating to the above-listed payment. This failure to apply a payment accepted violates 12 CFR 1024.35 ( b ) ( 2 ) I received no response to the error notice. 

On XX/XX/year>, I received an early intervention notice from Navy Federal Credit Union. 

To date, Navy Federal Credit Union has not investigated this error and has marked my account as delinquent for the two ( 2 ) above mentioned months violating 12 CFR 1024.35, and has continued to send statements showing an erroneous past-due balance. Credit report showing " past due '' payments is attached.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

I am for the last time, demanding that you remove the said account from my credit reports or else I will leave me with no choice but to commence a lawsuit for harassment and the interference with my livelihood.To date you have not provided me with any documents clearly showing that the creditor has a valid case against me and yet you decide to retain this negative item on my credit reports.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (TX)

The Company states i owe credit card balance from a Credit Card I DID NOT apply for. I report this as Identity Theft. The Company was asked to send me proof of my signature of the application and did not send any information to support the accusations.
Consumer complaint received 2024-08-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX and XX/XX/XXXX I made two payments on my Citi Bank Best Buy card of {$75.00} each, so {$150.00} total. Then on XX/XX/XXXX another {$150.00} payment was made that was not me. That payment was reversed on XX/XX/XXXX, at this point I figured there was a clerical error. Then on XX/XX/XXXX another reversal happened of {$150.00}. I contacted Citi bank several times since then, they have admitted fault and promised resolution 3 times now. First time was in XXXX all over the phone. The second time was in XXXX where they stated that they had issued a refund, but I did not receive it. At that time they requested and I provided my bank statements showing that I did not receive any money from them. The last time I spoke with them was XX/XX/XXXX, where they said it had to go through their fraud department and that it would take 90 days. They did not mention that this would have to go through fraud at any point prior. They admitted at some point they changed my SSN on their records and allowed someone else to handle my account. They even stated that they spoke with that person recently. 
Because of their mess up my credit limit and thus my credit score have been tanked. There is serious mismanagement with how they handle their issues and it is only causing harm to me.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I logged onto Transunion to get my free credit report I got but the report but I am noticing recurring charges that I did not sign up for. 
I was charged {$24.00} on XX/XX/2019 and now {$24.00} on XX/XX/2019. 
I tried logging into my account but I am now blocked for some reason and no luck with calling in. Please help.
Consumer complaint received 2024-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

In XXXX our mortgage company was XXXX XXXX, they were having problems and switched us to XXXX  XXXX XXXX, we were with them about a year and then they sent us to Carrington. Then we were switched back to XXXX  XXXX XXXX, on XXXX when my grandson XXXX  XXXX, my daughter was a single mom and needed help to move from her home to a new one, because she could no long live where her son died and I need to help with the funeral. I sent a letter to XXXX  XXXX XXXX, they did nothing. I decided to look for a different mortgage company, only to be scammed for a year, they took money from us. Then we received a letter from the FBI stating that we had been scammed and that it is in federal court. We sent a letter to them and told them everything the FBI told us to tell them. We do have the proof if needed, also at the time we were out of work due to Covid. Needlessy they switched us back to Carrington mortgage, they gave us a modification, under the under the Covid forbearance act. We were given a 3 % because of our FHA loan, but was still charge late fee and hign interest even though we were under the Covid forbearance. Recently my husband had to have XXXX  XXXX  XXXX, I explained this to them and said I am stil looking for work because of Covid and that my husband company that he work for 32 years, close due to Covid. Then Carrington Mortgage said they will gave me another modification, this time they up the interest to 8.25 %, again adding on late charges and more interest, I don't understand why these two mortgage companies keep going back and forth with each other, something is not right. I went from {$360000.00} to {$510000.00} and this is all during Covid. They say they are there to help, but they are not, they want your home. I am XXXX and my husband is XXXX, we have lived in our home for 38 years, we want to stay in our home. 

Please help! 


Thank you XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Pursuant to 15 U.S. Code 1681c ( a ), I request deletion from my credit report due to inaccurate and inconsistent information. The last payment dates reported are contradictory, making the information unreliable. The payment history is inconsistent in all XXXX reports as well.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

I Am the victim of identity theft and several account, personal information and inquiries have been reported to my consumer report. I have addressed this issue with multiple creditors. I want to make sure that your company is not validating fraudulent and inaccurate information.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I received 2 checks : 1 - Cashier Check 1 - Business Check TD Bank decided to approve both of them. I have a business account ( among others ) with TD. The checks came back as fraudulent. I told TD its not my fault ( I showed them the Police Report and also the FTC report proving what I was saying. Over the course of this week, TD refused to give me information about my bank account over the phone and just stated I need to step into a branch with an ID. I did, multiple times, with my Fiancee. At the branch they tell us they have to submit an application and the fraud department has to review it.

TD is charging me overdraft fees, NOT letting me see my bank accounts so I can see the balance, increasing the overdraft, and not letting me pay at all.

This is very frustrating because I have been a loyal customer to TD for many years, and never had a situation like this happen. This has placed a seize on my business operations and my personal life.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

We got fuel at an ingles gas station on XXXX XXXX in XXXX. Within XXXX minutes XXXX unauthorized transactions were made on our debit card. XX/XX/year> to a XXXX XXXX charges of {$32.00}, {$16.00}, {$9.00}, {$43.00}. we immediately called Regions Bank and filed a fraud claim, cancelled the debit card, and got a new one. The charges were pending, but they said they had to post instead of stop them, before they could do anything. Once posted, Regions provided credit for these transactions while they pended review. on XX/XX/year> regions sent a letter stating the charges appear to be authorized. And took the money back out of our account XX/XX/year>. We asked the bank to provide all evidence of the investigation they did that proved these charges authorized. They told us that the letter was proof and sent us on our way. The letter is simply a typed document stating the dates and amounts of the charges & says our review found that the transaction appears to have been authorized. Yet they refuse to give us any of their evidence found in said review to come to this conclusion. They told US to do the leg work and contact XXXX! While I have a XXXX account, with my debit card, my husband does not. And the charges were made from HIS debit card number ( linked to our joint account ) and an account in HIS NAME that he never created. XXXX told us to contact the bank, their was nothing they could do about the fraudulent account. Per federal law we are entitled to see the reviews evidence that XXXX this conclusion, & regions just keeps telling us the letter they sent us is enough. When nothing is attached to it at all and it is just a XXXX page document stating the dates and amounts and that theyre taking the money back out of our account. XXXX refuses to send an email stating when this account was created, etc. for us to give to the bank. And weve had money stolen that no one seems to care about and we are scared about banking anywhere now. Please help.
Consumer complaint received 2024-08-17
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 (GA)

Violation of 15 U.S.C. 1692g This company failed to provide the required debt validation notice within the 5-day period mandated by 15 U.S.C. 1692g.

This section requires you to provide the following information within 5 days of the initial communication : 1. The amount of the debt 2. The name of the creditor 3. A statement indicating that the debt is assumed valid unless disputed within 30 days 4. A statement indicating that if disputed, the debt collector will obtain verification and provide it to the consumer.

Under section 15 U.S.C. 1692c which requires you to verify the debt and provide me with certain information.

Please provide me with the following : 1. The original contract or agreement I signed with the creditor.

2. A detailed accounting of the debt, including all charges and fees.

3. Verification of the debt, including the name and address of the original creditor.

4. A copy of any judgment or court order related to the debt.

5. Proof of ownership and chain of custody