davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

AMERICAN EXPRESS is attempting to dishonor federal law and the truth in lending act regulation Z by attempting to not regulate it like the open-end credit account it is pursuant to 12 cfr 226.2 ( 20 ) .I am only subject to pay a finance charge from time to time, not any transaction made.Also pursuant to regulation Z it is a well known fact that A bank can not extend credit.Due to that I have conducted a private administrative audit by right of action requesting a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private, I must clarify who funded this account and the amount owed according to the journal and ledger entries from the date of open of the account as described in IRS publication 583 . Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. Pursuant to. 18 USC 8 all debts are the obligations of the United States a federal corporation defined under 28 usc 3002 ( 15 ) .Pursuant to 31 usc 3123 the United States has pledged to pay all public debt and interest.Technically AMERICAN EXPRESS is acting as a 3rd party attempting to collect this debt .Pursuant to 20 CFR 422.103 ( d ) the social security number attached to this account belongs to the social security Administration therefore so does any alleged debts.AMERICAN EXPRESS is in violation of 15 usc 1692e as they are telling me an amount is due on my account that has a positive credit balance which is false and misleading as I can not pay something that is already positive.I have reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over 1 dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error. on June 5,1933 Congress enacted HJR 192 took away our ability to pay with lawful money and gave us legal tender that shall be discharged dollar for dollar. AMERICAN EXPRESS is in possession of a negotiable instrument pursuant to UCC 3-104.even if they dont accept it UCC states they must discharge to the extent of the amount of tender pursuant to UCC 3-603 ( b )
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.
Consumer complaint received 2021-11-19
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)

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company XXXX, XXXX, And Transunion. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that XXXX, XXXX, And Transunion remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of Fraud, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )
Consumer complaint received 2021-11-19
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)

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company Equifax, XXXX, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that Equifax, XXXX, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of FrauXXXX, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )
Consumer complaint received 2021-11-19
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. (CT)

I have letter from creditor directly and email correspondence, about the mortgage being late and inaccurately reported. The mortgage company also has a mortgage for XXXX XXXX and I've never bought a house for more than {$400000.00}. This negative information needs to be deleted immediately.
Consumer complaint received 2021-11-19
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: SYNCHRONY FINANCIAL (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2023-04-07
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. (CA)

XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report to all three credit bureaus. In fact, the information being reported is different on each bureau for example on Experian they are reporting three open leases which were started in XXXX and XXXX but on XXXX and XXXX they are reported as closed. It is now the year XXXX which is more than 8 years laster and these accounts are falsely being reported as open by XXXX which makes no sense because what kind of auto lease lasts for 8 years? I will attach proof to show these accounts were being reported as closed to XXXX and XXXX but XXXX though it would be a good idea to leave them as open on Experian and after disputing this with Experian multiple times they simply take XXXX side because XXXX has bigger pockets than the average consumer who doesnt have millions of dollars like XXXX XXXX pay Experian to support their lies. I dont have any open accounts with XXXX and they have caused me huge financial problems because they are false stating on my credit that I currently have three open vehicle leases with them and I dont own any XXXX nor do I have three cars to my name.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

On XX/XX/21 I noticed that my debit card kept declining. It was the evening time when I logged into my online account and noticed it said my debit card had been closed. The next morning I called and customer service gave me another number because they didn't understand what was going on but continued to tell me that on XX/XX/21 they were closing my account completely. I was in shock and she could not tell me why they were closing the account but gave me this statement that was given to me by everyone I spoke to on today, XX/XX/21. I called the number and they said oh we don't know but PNC doesn't have to tell you why we are closing your account. I have several bills that come out of that account as well as my direct deposit. I have been a customer of PNC Bank for almost 15 years so the least they can do is tell me why they're closing my account. I am disgusted that they would treat a long time customer like this. I also went into thE branch and the lady looked through my account and said she seen no suspicious activity so she was just as confused as me. Please help.
Consumer complaint received 2021-11-19
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. (TX)

I have submitted documents stating that the information on my credit report regarding an account from XXXX consumer is reported inaccurately and must be removed from my credit report to remedy the situation. Experian has yet to appropriately fix the error on their credit reporting.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hello, On XX/XX/XXXX, I received a promotional email HSBC regarding my checking account ( see attached PDF. In short, during the 6 months ( starting XX/XX/XXXX and ending XX/XX/XXXX ), customers would earn {$180.00} for performing specific actions -- " Earn {$15.00} per month when youMake 10 new purchases per month using your eligible HSBC Mastercard card ( s ) earn {$15.00} per month for 3 bill pays per moth ''. 

Although I faithfully followed the terms, it has been very difficult to get HSBC to properly credit my account as per above. After many interactions with customer service, they've finally credited me {$90.00} ( {$15.00} x 6 months ) for the " bill pay '' portion of the promotion. 

They're not crediting my account the additional {$90.00} ( {$15.00} x 6 months ) for the " using card '' portion of the promotion.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (NE)

A woman called me claiming to be from First National Bank. She had my full social and debit card number. She told me there were fraudulent charges. She asked to confirm my information. She told me there were two fraudulent charges and asked me if I was in Texas. I said no. She told me I needed to cut up my card and they would send me a new one on Saturday. I challenged her legitimacy but when she new my full social and debit card I believed her and confirmed my pin. Today I got a call from FNB and checked my account. There were 9 {$200.00} withdrawals from my account. They told me to file a complaint with you to protect myself from further fraud. My card is cut up by they have all of my personal information.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently applied for an auto loan and it was DENIED because they went to Transunion and they incorrectly reported me as having recent late payments for an account that was closed 6 years ago. Ive had XXXX missed payments on anything for 6 years! Ive pleaded with Transunion to fix for months with no success.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I filed a dispute regarding an erroneous charge on my card stemming from a reservation for a private dinner. Initially, I paid a deposit, with the remainder to be charged on the day of the dinner. Upon receiving the final receipt on the dinner night, I noticed an incorrect amount had been charged to my card. 

I promptly submitted evidence to my bank outlining the discrepancy. However, I was met with a letter denying my dispute, citing insufficient evidence. I contacted the bank for clarification, only to be informed that they weren't directly handling the review process. Despite my efforts to provide more detailed information, subsequent attempts were similarly rebuffed with generic denial letters. 

Frustrated by the lack of clarity, I persisted in contacting Capital One, seeking guidance on the necessary documentation. Each time, representatives were unable to specify exact requirements, offering only vague advice to " provide more information. '' Despite my continued efforts to furnish additional evidence, the responses remained unchanged. 

Faced with a deadlock, I escalated the matter by mentioning potential involvement of the Consumer Financial Protection Bureau. Finally, my bank reached out to discuss the dispute. However, their proposed resolution was minuscule, merely adjusting the amount by {$2.00}, which seemed inconsequential given the larger issue at hand. 

Subsequently, the bank initiated communication with the merchant, who provided inaccurate information that led to the denial of my dispute. Despite my attempts to address this with Capital One and provide further documentation as instructed, I found myself in a frustrating loop of unhelpful responses. 

When I inquired about the status of the dispute, I was informed that no further investigation would be conducted once the merchant provided their input, even though the provided information was inaccurate and unfair. This lack of recourse feels unjust and leaves me in a frustrating predicament.
Consumer complaint received 2022-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AVANTE (FL)

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 Account # XXXX ( input accounts ), 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 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. These are the inquiries that are reporting on my Credit Reports that need to be REMOVED : XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. 
Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This particular credit card company has an XXXX XXXX  cut off time for paying bills online. If you miss that time they charge you a {$25.00} late fee. Honestly I have missed this before, but I call the next day and they adjust it off. This time I was online getting ready to pay on XX/XX/2019 and it was a few minutes before XXXX XXXX. My internet went out and by the time I was back online it was a couple minutes after XXXX XXXX  XXXX to be exact. I clearly remember this because I thought there is no way they are going to charge me for being 2 minutes late. Wrong! I received my online statement today XX/XX/2019 and they did charge me {$25.00} late charge. 
I called today XX/XX/XXXX, XXXX and they will not adjust it off, they said I have no wavers? I am guessing you are only allowed one waver every so many months that is why I have not had problems in past. I asked to speak to supervisor and she basically told me the same thing even if one minute late they will charge you. I asked to dispute this charge and she said they dont do that, you cant dispute late charge. I asked to speak to someone else and was told there was no one else I could talk with there was no one above her. I said you must have a boss and she advised they only do administrative work, frustrated I said thanks and hung up After hanging up the more I thought about this I do not have this problem with anyone other company I pay. I believe this might be this companys way to get people to pay more money on late fees with the XXXX XXXX cutoff time. 
I receive an email, but a lot of times I dont even get to my personal email until XXXX or XXXX XXXX. This is exactly why I have had to ask for help in the past, because I open email after the cut off time. Not only the time but the date its the XXXX due date, all of my other bills are due at end of month. 
I believe they are taking advantage of me and I am sure other customers by having this special due date and time. Then when calling and asking for help all the sudden they dont want to help. I have been working very hard to clean up my credit history for the past year, and I just recently jumped up by thirty points, this late charge is going to affect my credit history that I have been working so hard to improve. I would like this late note removed from my account and a refund. 

Any help would be appreciated. Thank you for your consideration if I can provide further information please let me know Best regard