davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (NV)

My truck was towed on XX/XX/XXXX while I was out of town. It was the same day Cit Bank sent me the " NOTICE OF ACCOUNT CLOSING '' and my debit card privileges was revoked at the same time. I had no access to my my funds. They left me in limbo. Cit Bank colludes with this group of bullies to harass me. Those bullies had been making my life miserable since their failed extortion attempt on XXXX. I had this account for 23 (? ) years. I never had trouble with the two prior Banks ( Mutual of Omaha Bank, XXXX XXXX XXXX XXXX XXXX ) until Cit Bank took over. This XXXX lead teller seems having some other agenda in her mind. She asked me about my physical address numerous times. Why??? She also asked me lots of personal, intrusive, obnoxious questions. It's really disgusting that I had to deal with this rude teller. For your reference, I have enclosed a copy of the " XXXX review '', a copy of the letter sent by Cit Bank Manager XXXX XXXX. It's funny this Manager couldn't even spell my name right. Is he really a Cit Bank employee?
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Attached you will find an email from XXXX acknowledging the unauthorized attempt, as well as proof that they were aware of our cancellation on XXXX XXXX 14 days before the unauthorized credit inquiry.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I've noticed an unauthorized account on my credit report from XXXX BANK XXXX NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. XXXX asking this is removed from my report before I pursue further action against the bureaus
Consumer complaint received 2023-06-06
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)

I've noticed an unauthorized account on my credit report from XXXX BANK XXXX NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. Im asking this is removed from my report before I pursue further action against the bureaus
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MI)

I was falling behind on my bills and reaching out to each creditors to enroll in a program to avoid damage to my account and credit reporting. I enrolled both Discover accounts on XX/XX/25. I was offered a new payment amount for the next few months to get through the hardship. I was alerted that my accounts were reported as delinquent and called to find out how it happened. The representative was wonderful. She did say that the payments offered came through but they werent enough to address the past due. The issue for me is that one account was a XXXX payment but it really should have been XXXX to avoid reporting. Since I didnt come up with the offered terms myself, I find this to be a little misleading. I certain would have increased my payment to avoid negative reporting.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I issued a Webster business check with check number XXXX in the amount of {$5200.00} to XXXX XXXX XXXX on XX/XX/2022. The check did not arrived to the payee, instead it was intercepted by the hacker and cashed the check with the wrong endorsement/person by the name of XXXX XXXX XXXX XXXX XXXX of the check attached ), even though the check payee was XXXX XXXX XXXX. Webster bank went ahead and it was cashed by the bank on XX/XX/2022. Webster bank cashed the check even though its a wrong endorsement and they didn't do any verification process. 

Upon noticing the transactions online, I made the complaint to Webster bank since XX/XX/2022 ( attached copy of affidavit ). I continuously followed the status with the bank but Webster bank kept saying it was still on process ; officers name of the bank is XXXX XXXX tel XXXX XXXX branch. I firmly believe they do not know what was going on because it was being passed around to different departments of the bank and they don't want to give me any information regarding who is investigating my case. It has been 122 days ( 5 months ) from now and I'm not getting any response from the bank if there is any action being taken. I was told that I will be informed between 4 to 6 months re : the status of the fraudulent activity on my business checking account. Webster bank froze my checking account and yet they keep billing me for monthly fees of {$5.00} dollars a month Webster is unresponsive and not being helpful in resolving the fraudulent activities from my checking account. The amount of money is causing financial burden to my business obligations. I need the help in resolving this problem. Thank you very much.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

My husband and I bought a house XX/XX/1998. We have paid on this loan until the present time. During XXXX I was without work for a while. I called my mortgage company which was Shellpoint at that time, to ask about getting a loan modification. They set me up and told me that we could go several months without paying due to XXXX. So I took advantage of that. When the months were up, they wanted the total amount due from all the months that I missed. Well, obviously I could not do that. So I asked for a loan modification. I didnt think anything about it because they recommended it and told me dont delay take advantage of this great offer. They sent the document for me to sign. It was XXXX pages long, and I will admit that I did not read every word of it. But the part that I did read led me to believe that they were giving me a trial. To make a payment on time for XXXX months. And then they would modify the loan in order for me to catch up or to add it to the end of my mortgage. As I had done the same thing with my car loan during XXXX. I signed the papers and did not realize until a year and a half later that my principal was going up and was way more than what we first paid for the house And all the years we financed and paid on it. I just so happen to see the principal balance XXXX day on my statement. At first I thought it was a mistake. So when I called the mortgage place, they said no it was not a mistake. It was just as if we had started all over on a loan for buying our house that weve had 25 years. I couldnt believe it. I feel this was very deceitful on their part. My payment went from $ XXXX {$1200.00}. I assumed that this was the amount different each month that I would pay until the remainder of my loan was finished. This would be XXXX years from now. Little did I know, it was nothing what I thought it was. Because they kept calling it a loan modification. To me a modification is when they change your payment amount for a while until you get back on your feet. However, This was nothing like that. The cost of our house was {$110000.00} in XX/XX/1998. XXXX paid on it for 25 years. The principal balance as of today is $ XXXX from looking at my past statements, this principal balance has gotten bigger each month. A lot bigger. I admit that I always dont understand everything, especially when it comes to paperwork. It is not written in terms that I understand. It seemed to me as if I was duped and coerced into signing something that nobody in their right mind would ever sign. I mean what happened to the 25 years worth of money that we have paid? I am baffled. I can send a copy of the document that I signed if needed now. my husband and I are senior citizens. We are not tech savvy as to how to mail the documents or email them. But we can get someone to show us. How if needed. I just wish we had done that upon the signature of some phony, misleading papers. Our mortgage company now is XXXX XXXX XXXX. At the time of the loan modification it was Shellpoint mortgage company.
Consumer complaint received 2023-06-06
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX and HSBC have violated my rights. Under 15U.S.C1681 SECTION 602, states I have the right to privacy. Under 15USC81 SECTION 604A SECTION 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC SECTION 1666B a creditor XXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

Chime closed my account on XX/XX/2022 saying I wasnt in compliant with its internal policies and the member agreement executed at enrollment. I have over {$1600.00} in my savings account with chime and about {$30.00} in my checking. After sending over documents to prove my identity several different times I received an email stating that they closed my account and I would receive and check with any money that was in my savings and checking within XXXX of the account closing. Its now the XXXX of XXXX and still nothing, Ive called multiple times and they keep saying the same thing which is to wait to receive and update email from chime support I explained to them that Ive reached out to chime support on XX/XX/XXXX and all I keep getting is automated messages its just ridiculous.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX I sent a letter to collection agency XXXX XXXX XXXX. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Consumer complaint received 2023-08-08
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. (VA)

Experian is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( f ) ( g ) ... ..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 In addition, Experian is violating my rights as a US Citizen according to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Can you review the paperwork? Some of the mentioned accounts exhibit inaccuracies concerning reporting, erroneous amounts, and dates.
Consumer complaint received 2022-12-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OR)

Legally my loans are past the statue of limitations. I haven't been able to repay most of them for over 8 years and in the state of Oregon this puts these loans past the point of being able to collect on. I have 4 loans through navient that are private/ consolidated. They have been sent to collections and I still recieve calls and emails which is in my understanding illegal.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (OH)

Hello, I received two checks in the mail. For a total about {$1900.00}. I received the checks from my previous employer thinking it was the profit share check from working their the first 6 months of the year. I scanned the checks and navy federal approved them and deposited the money into my account. I though the checks were okay because they took a few days to process. So my wife and I made plans for the money and bought XXXX gifts for the family. I deposited the checks on Monday the XXXX and I believe the funds where available the XXXX. A few days later Navy federal pulls out the money from my account and gave me no warning as to what was going on. I had to call them and see why my account was negative {$1300.00}. Took awhile to figure out but the checks had a stop payment on them. They where checks that got lost in the mail from XXXX I just got them on the XXXX of XXXX. So today the XXXX I tried to transfer money from my other savings account but Navy federal froze my accounts with out warning. My be savings has a positive balance of {$1100.00}. The negative savings account balance about $ XXXX. I called navy federal to see if they could work me on unfreezing my accounts but they refused to help. They said I had to pay off the negative balance the {$1100.00} is all I have until I get paid again. They gave me no further options. So now I cant get my money for food or gas for the reset of the week until I pay off the negative balance. Hopefully you can help file a complaint. Thanks you XXXX
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I am a victim of identity theft. In 2018 my social security card, identification card, birth certificate and other documents were stolen from my then address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXand multiple credit cards, bank accounts and more have been fraudulently opened in my name without my consent or knowledge. As a red my credit score has dropped drastically making it nearly impossible for me to obtain housing and repair my credit. I have submitted multiple disputes and filed a police report which I have attached to each dispute in an attempt to remove the fraudulent items that are now in collections. I am asking for all fraudulent accounts to be removed from my credit reporting file.
Consumer complaint received 2023-06-16
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. (TX)

I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Equifax about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the hard inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2023-07-18
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. (IL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (OR)

According to my loan documents my loan amount was for {$310.00} and I was debited out of my account for over {$1800.00}. 
Email sent to XXXX on XX/XX/. 
I also can not access the online portal anymore.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX I sent a letter, certified mail return receipt, to XXXX XXXX ( MCM ) letting them know that three debts reporting on my credit report, in the amount of {$560.00}, {$660.00} and {$850.00}, by their company was a result of ID theft and fraud ; therefore, I asked them to verify the debts. The company did not verify each debt as stated in my validation letter. 

XXXX XXXX/MCM is not giving me due process at law. For some reason they failed to provide proof that I had signed any contract for the alleged debts ; however, they sent me a copy of a bill, a portion of a contract that I have never seen and a statement claiming they did not understand what I was asking them to verify. On XX/XX/XXXX I sent a second letter, certified mail return receipt, letting the company know they had not properly validated the debt as belonging to me, so please remove it from my credit file. Most importantly, I attached a FTC ID theft report. 

XXXX XXXX ( MCM ) continues to get favor from the credit reporting agencies, causing them to initiate reinvestigation, but I do not have proof of the validation I have requested. The back and forth process between myself and the credit reporting agencies actually began late XXXX, and MCM continues to report the fraud accounts to my credit report.
Consumer complaint received 2023-04-24
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$310.00} XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : -
Consumer complaint received 2022-12-01
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.