davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Apothaker & Associates, PC (NJ)

Attn : CFPB Representative, I am a XXXX XXXX XXXX divorced 1XXXX XXXX XXXX XXXX XXXX  XXXX veteran. My only earnings come from the social security XXXX and the department of veterans affairs. About 4 years ago I opened a checking account and set-up direct deposit for both my XXXX benefits ( XXXX & VA ). I was told by XXXX Bank that my federal direct deposits each month could not be garnished. I suffer from serious medical problems and was unable contest the garnishment of my federal XXXX benefits. I read where the CFPB debt collection rule clarifies certain provisions of the FDCPA effected on XXXX XXXX, XXXX. Federal law protects or " exempts '' certain funds or benefits from garnishment. Federally exempt benefits include ; social security and XXXX XXXX. of veterans affairs. These federal benefits remain exempt from garnishment when directly deposited into my checking account. See ; Title ll, Section 208 of the social security act of 1935, it provides the most broadly applicable exemption. It exempts social security from all legal process, including garnishment. Additional codes in my defense ; 38 U.S.C. 5301 ( a ), 15 U.S.C. 1693, 31 CFR part 212.3, 28 U.S.C. 3205 and 42 U.S.C. 407. The amount of the garnishment was {$3400.00}. Presently it is no part of my available checking account balance, but does show as being held. My case is at the XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. File # XXXX ( XXXX XXXX. XXXX ). I phoned the plaintiff ( XXXX XXXX XXXX, PC XXXX during XXXX and once in XX/XX/XXXX, no reply at all. The plaintiff debt collector is, Apothake Scian, XXXX XXXX XXXX XXXX, PC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX  relationship banker I complained to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told him he was not allowed to garnish my direct deposit federal benefits and all he said was the court order was the reason he had to honor it. I would like the garnishment to be credited back to my account because it's a federal law. I do hope the XXXX XXXX will be held responsible for the time, grief and pain they caused me for accepting the garnishment as legal. They had the opportunity to advise the court these were federal funds and were exempt. Thank you for your time! Respectfully, XXXX XXXX.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC Equifax was notified the same as XXXX.

FCRA section 611 ( a ) ( 1 ) ( a )
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A. (PA)

I have had extremely bad experiences with PNC Cash Rewards redemption program. Their website has a button to " redeem rewards ''. It does not work even when you meet the minimum rewards balance. For the last four years, each month, when I try to redeem the rewards via their website, I get an error message. There is a number to call which sends you into a very long and complicated phone tree, finally connecting you with another group. That group takes your information, and reconnects you to another group. After about 20-30 minutes, you can redeem them on the phone. I have called about this each month for the last four years, even speaking with the supervisor 's supervisor, and have been told that they are " working on it ''. They are always " very sorry for my frustration '' and give me a " direct number '' to call, next time. Each month that number changes. There is definitely something illegal about this tactic. No one should be put through all of these hoops to redeem the rewards they earned. 
Here are two phone numbers that are " direct '' to the rewards people : XXXX & XXXX
Consumer complaint received 2023-09-27
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Midwest Recovery Systems (OK)

this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX   was notified the same as XXXX.

FCRA section 611 ( a ) ( 1 ) ( a )
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We have a XXXX business account. In XX/XX/2022 I wrote XXXX checks to vendors which were stolen ; XXXX were forged and cashed at Bank of America. The third I was able to put a stop payment on before the thief cashed it. 
I filed XXXX claims with XXXX in XX/XX/2022. BOA still has not processed the claims nor responded to XXXX. 
Under UCC, I thought XXXX of the banks had to make good on checks within 5 days. It has been about 6 months and BOA refuses to respond. XXXX states BOA is responsible to refund us and won't even temporarily cover the amount while BOA is processing. Meanwhile, our small business is struggling financially since we had to pay our vendors.
Consumer complaint received 2023-06-17
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. (TN)

As much as I appreciate Equifax 's actions in removing the unauthorized inquiries I previously disputed, I am appalled to see another unauthorized inquiry being reported on my Credit File. I recently checked my updated personal credit report and I noticed an unauthorized credit inquiry reported on my personal credit report. I request that Equifax initiate an investigation into the below inquiry on my credit report to determine who authorized this inquiry. If, once Equifax 's investigation is complete, Equifax find my allegation to be true, please remove this inquiry and send me an updated copy of my credit report at the address listed above. 
XXXX XXXX XXXX XXXX If Equifax find the inquiry referenced above to be valid, please send me a description of the procedures used in Equifax 's investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2022-12-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Purchased my home in XXXX with XXXX down and lender/ bank financing of XXXX XXXX and XXXX XXXX. Not sure why on the XXXX as it was all Close of escrow handed to seller funds so my family could get keys and move in. Nobody went to college bought a boat with this HELOC as they call it or zombie loan is what Im hearing called now. In XXXX due to separation ( XXXX left home so do her income ) I fell behind on payments and after failed attempts to work with my lender saw Obama on TV who mentioned making home affordable and I sent the same SSDI income to HUD and HUD saved my home from trustee sale and I remain current on XXXX MAKING XXXX XXXX XXXX refinance 13 years later to this day. All of a sudden Im in ore foreclosure relaxing HUD didnt icue this loan? And the new servicer, XXXX XXXX servicing filed a notice of default XXXX XXXX which last 90 days till XX/XX/XXXX when they will announce sale date and foreclose and sell My Home at auction. 
specialized loan servicing it was convicted in XXXX by the government for violating RESPA regulation X wrongful filing and flow closure. Their NOD notice of compliance states my home is non-owner occupied? Ive been here every day and night as have my sons since XX/XX/XXXX my purchase date. XXXX received a XXXX offer from them today XX/XX/XXXX from demanding {$20000.00} by XX/XX/XXXX or theyre gon na sell my 17 year family home. Im current on my making home affordable refinance of XXXX, please help save our family home!
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. I WORKED HARD BY PAYING THIS OFF ACCOUNTS MONTHLY BUT THEY ARE REPORTING ME LATE? THAT IS UNFAIR!!
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (MA)

I have disputed these accounts with errors, inaccuracies, and incompetence for a duration of 9 months. The credit reporting agencies are violating my rights under fair credit reporting act.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting Act XXXX account # has violated my rights. XXXX XXXX {$0.00} XXXX XXXX {$430.00} XXXX XXXX {$0.00} XXXX XXXX {$4200.00} XXXX XXXX {$0.00} XXXX XXXX {$2200.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$55.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX {$370.00} 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 instruction.
Consumer complaint received 2022-12-22
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: CITIBANK, N.A. (NJ)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 Section 602, states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This creditor marked late payments on XX/XX/XXXX and XX/XX/XXXX to the credit bureau, which I contacted the credit agency explained and paid off my balance however, they refuse to update the Credit Bureau after they had already sent a report. I submitted a screenshot of a report from XXXX that was updated on XX/XX/XXXX, which shows that the credit agency marked another month ( XX/XX/XXXX ) as late, even though the balance statement is not due yet for XXXX.
Consumer complaint received 2023-06-17
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)

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.

The letters are stated with items and issues. 

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 2017-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (RI)

With the Home Depot company I have had many times late charges assessed because of late payments, only to have them eliminated immediately after I provide electronic proof from XXXX bill pay that there is electronic proof the payment was paid up to two days before it was due. They remove the late fee immediately Also, they either have a poor system when receiving payments and have a history of sitting on, /or seemingly not processing payments on time. It seems the receivers are late processing, and system then shows a late payment and another department clips on the late fee. I think this has happened 6-10 times with me, while they assure me the Payment was late. I 'll bet they make 10 's of millions of dollars on this. Everyone know these companies love late fees and its actually a revenue budget line, and yes they say each year. HOW CAN WE IMPROVE THIS REVENUE!!
Recently they also reversed a late fee, as a courtesy ... ..but I still had to pay the entire bill and late fee? Why?, because instead of an immediate waiver/credit, they credited my account??? Is this legit/legal? I still had to pay the fine up front. On a {$1200.00} balance I would not even feel this credit of {$35.00} and still pat to pay it out of my limited monthly budget. 

For consumers making minimum or limited wages with mouths to feed this can be reason burdensome and hurt consumers a lot in the pocket book
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America closed my account and has reported on my consumers reports due to fraud. I explained to them I was a victim of identity theft, and they need to remove the report. There is no money due on the accounts just a negative mark on my reports.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I submitted a complaint via CFPB ( I.D . # XXXX ) for verification of this collection XXXX XXXX XXXX. I was not given any proof that this collection was verified. I do not recognize the account.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

after carefully reviewing my credit report I have found discrepancies and inaccuracies that raise doubts about the validity of this debt I have reported the inaccuracies of this debt yet still the debt remains on my credit report, and neither have they provided me with the original contract requested.
Consumer complaint received 2022-12-22
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. (CA)

I am making this complaint my self I me XXXX XXXX the human being not a third party company. 
I am the victim of identity theft. i reported it to the ftc and to the credit bureaus and have followed all of the steps that i was supposed to take to get the accounts removed from my credit report but i still havent seen anything removed. this is an outrage and i am about to hire an attorney to seek monetary compensation.