davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
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. (OH)

So this is my 5th or 6th asking TransUnion to launch a dispute regarding a few negtive items on my credit report. There has been no sense of urgency to resolve the matter. The dispute results are being verifired as accurate, but I have not been provided with ant documentation of accuracy. Which is a violation of my FCRA rights. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXk, XXXX. I do not want results as verifired as accurate I want proof ( which you should have ).
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am unemployed seeking employment and I have been denied employment because of the fake news contained in my credit file. There are numerous inquiries that I have never engendered and I've never even heard of these companies. There are fake telephone numbers on my credit file I have never had, there are fake address to places where I've never lived too. 

My credit file with Experian contains a lot of fake news. The information contained in the credit file belongs to the consumer and if it is inaccurate or contains misleading information, the consumer has the right to correct the information. While I was legally XXXX  for XXXX, my identity was stolen from me and I took appropriate action notified the Credit Reporting Agency ( CRA ) in  this complaint with a Fraud Affidavit and proof of legal incapacity. I notified federal law enforcement. 

The CRA in this complaint told me to contact all the companies. I did. I notified the companies that inquired on my credit file to remove and/or correct the erroneous information from my credit file. They all told me that the CRA does that, not them. 

I then wrote the CRA in this Complaint that I've already spoken to the various companies that inquired in my credit file and they all told me there's nothing they can do about it. I being jerked around by Experian.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK (FL)

I opened a priority checking account on XX/XX/2020 online through Whitney Hancock which requires a {$10000.00} minimum balance to waive monthly fees. I initially deposited {$1500.00} and then did an transfer for {$8600.00} and did a deposit in from the Treasury Direct account. When I went to log into my online account on XX/XX/2020 ( which I had access to prior ) it said that my access had been suspended by an administrator. I called the customer help line where the rep gave me a number to branch located in XXXX, Florida and said someone at the branch suspended my account. When I called that branch they said they had no idea and no one from there suspended my account so they gave me the number to the XXXX XXXX branch in XXXX, Florida which was listed as my local branch. I spoke to XXXX that morning at the XXXX XXXX branch that said someone from loss prevention temporary suspended my account and she would contact them and call me back. The next day on XX/XX/2020 I still had not heard anything so I called XXXX again. She said no one ever called her back. I told her I would like to make an appointment to come in and close the account and she said my funds were frozen and it could not be closed but she would try to contact the individual at loss prevention again and would get back to by the afternoon. I never received a call. 

I have already transferred over {$10000.00} into the account and now I don't have any access to my funds. I have spoken to 3 individuals to try and get this resolved. Additionally, I never received any calls or emails notifying me that my account was suspended and under review and was not provided a reason for the review. I am beyond upset with the service I have received from Hancock Whitney bank and would like the account closed and my funds provided back to me immediately in the form of a official check that I can pick up at my local branch. I don't want to have to wait for a check in that amount to get to me through the mail.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (VA)

I am not liable for this debt with XXXX. I do not have a contract with AFNI, INC.They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/2020 PORTFOLIO RECOVERY A Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY A I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (IN)

Today, XX/XX/2020, I received an email notification via XXXX XXXX indicating a collection had been added to my credit report. The collection amount of {$2900.00} by Midwest Recovery Systems was reported on both my XXXX and XXXX credit reports but not on the report with XXXX. This is not my debt and I have had no correspondence or contact whatsoever with Midwest Recovery Systems. I have filed disputes of this collection with both XXXX and XXXX and am awaiting investigation into the matter.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Convergent is reporting a debt owed on my credit report that I have repeatedly informed convergent and the credit bureaus that the debt is not mines. I have submitted disputes to the credit bureaus asking them to validate the debt. The 1st initial dispute they responded back that the debt had been validated and put comments on my credit report debt validated/consumer still disagrees. I contacted them and asked in what way did they validate debt, who did they validate with and could they send me copies of all documents which made them come to this decision. They never did. I later receive mail.from convergent the debt collection agency with 1 page of a phone bill from XXXX with my name on it and four phone numbers that I have never seen in my life and they have a box checked off stating the debt IS valid. I called convergent and spoke to a rep. The rep.stated she could NOT find an account with the account # I gave her. I called XXXX they said once again it was validated .... I called convergent and spoke with a young lady who asked for my ID # and ssn. And birthdate. I believe I gave her my birthdate but none of the other information she requested because she stated she would not be sending me any of the documents or information I requested.I have disputed this item numerous times month after month and they keep saying its validated without showing or providing me any proper proof. I believe my rights have been and are being violated. Every time I dispute it seems they change the original reporting date
Consumer complaint received 2024-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

Dear MBA LAW, I am writing to express my serious concerns regarding Account # XXXX  your unauthorized access to my personal information, which is a clear breach of my privacy rights. This unauthorized access has been used in an attempt to coerce me into paying a debt I am not obligated to pay. 

Under the Texas Business and Commerce Code 521.053 and the Identity Theft Enforcement and Protection Act, businesses are required to report any data breach of system security that affects Texans to the Office of the Texas Attorney General. Furthermore, it is unlawful for any person to obtain, possess, transfer, or use personal identifying information of another person without the other persons consent. 

In addition, under federal law, specifically 26 U.S. Code 7213 and 15 U.S. Code Chapter 94, it is unlawful for any person to willfully disclose to any person, except as authorized in this title, any return or return information. Any violation of this is a felony punishable upon conviction by a fine in any amount not exceeding {$5000.00}, or imprisonment of not more than 5 years, or both, together with the costs of prosecution. 

In my case, you have accessed my personal information without my consent, which could constitute identity fraud. You have also added an account to my credit report that I did not authorize. Even in the event of permissible purpose, the consent of the consumer is still required, which I do not give. Therefore, I demand that you remove yourselves from my credit report immediately to correct this breach of privacy. 

Furthermore, you have contacted me without requesting consent to do so. I do not wish to do business with you and I am not obliged to. Any further attempts to contact me without my explicit consent will be considered harassment and will be reported to the appropriate authorities. 

I trust that you will take immediate action to rectify this situation and ensure that such breaches of privacy do not occur in the future. Failure to do so will result in legal action. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-20
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. (MI)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I pay my rent from Capital One 360 account each month, I do a transfer from my XXXX XXXX to the Texas Capital One account. On XX/XX/XXXX I transfer {$1100.00} from my bank in California to Capital One. The bank note said the funds would transfer on XX/XX/XXXX. On XX/XX/XXXX the funds were not there, so on XX/XX/XXXX I did a second transfer, that said it would be there XX/XX/XXXX. In the meantime my rent check came out of the Capital one account ( {$1100.00} ) and I transferred {$990.00} dollars from Capital One back to my XXXX XXXX which was now saying it was overdrawn. Couple of days later on around XX/XX/XXXX Capital one said I was overdrawn, and put a hold on my account. I called the bank and the bank said that I needed to pay the {$990.00} back and then they would make a decision as to whether I would keep my account and Im like why wouldnt I keep my account if Im paying the money back, Im not trying to steal any money and they said well. This is the first time that this is ever happened on your account so the bank decision would probably be in your favor, well on XX/XX/XXXX. I paid the money back on Friday XX/XX/XXXX took some time for post on Capital One 360 account-one being that Monday was a holiday XXXX XXXX XXXX and now I called Capital one 360 today XX/XX/XXXX because it still saying that my account is on hold and they tell me that they closed my bank account!!
Consumer complaint received 2020-03-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

Problem 1 ) I went through chapter XXXX for 41/2 years paid as agreed and when I finished I was told that my trustee didn't pay the correct amount which was XXXX short from the payment, so I agreed to modification for 3 months. 
So I recently receive a statement from their lawyer stating that I didn't fulfill my monthly payments and I couldn't understand why, so I call and Bayview Loan servicing the customer service agent stated that I didn't make my XXXX payment in which I did but I paid it early on XX/XX/2019.the, and that was the reason why modifacation wasnt approve. 

Problem 2 ) So after that I immediately, call my my bankrupt attorney and still awaiting a response, it was an hearing on this issue on XXXX XXXX from chapter XXXX federal court that I receive a copy in the mail indicating a hearing had taken place over the phone from the Federal bankrupt court. I have proofn that I made all of my require payments and I'm awaiting a response back from Bayview Loan servicing .please I need your assistance Bayview Laon Servicing Loan #. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX home XXXX cell
Consumer complaint received 2020-03-16
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: LEXISNEXIS (MI)

LexisNexis, XXXX  XXXX and XXXX doesnt have permission to report on my credit report the information inaccurate and I requested it to be removed Bankruptcy Court doesnt report to these companies however the searches for public reporting and they add information to my credit report third party billing company
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I notified the credit bureaus I noticed on my credit report that my personal information is wrong and needs updating there should only be my name, one address, and one social security number. All other names and addresses im not associated with should be deleted I have yet to hear anything back from the bureaus today is XX/XX/XXXX I have attached documentation down below
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OR)

In XXXX, I received our annual escrow account statement, alerting me that my monthly mortgage payment would be going up by about {$100.00}, in order to account for revised tax/home insurance amounts, and to make up a shortage of my escrow account. 

The shortage is estimated to be {$840.00}, representing the difference between the projected low balance ( - {$200.00} ) and the " required escrow balance '' ( {$630.00} ) - required being their terminology despite the fact that federal law does not require them to have that minimum but permits them to " charge the borrower a cushion that shall be no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the escrow account. '' XXXX ( c ) ( XXXX ) ( i ). When extrapolated over the course of the year, that adds {$70.00} to my monthly payment. 

I don't take issue with the fact that there is a shortage that needs to be accounted for. What I take issue with is the timing of the mortgage servicer paying my property taxes, and doing so to create a greater shortage ( or a lower " projected low balance '' ) for the year, which in turn requires me to pay more each month in order to make up the shortage. 

In the County where I live, property taxes are due on XX/XX/XXXX of each year. I don't even receive a statement from the County until after XX/XX/XXXX. In XXXX, despite my escrow statement from XX/XX/XXXX projecting my property taxes to be paid in XX/XX/XXXX, after my monthly mortgage payment ( which is paid on the first of each month ), the servicer debited my property taxes from my escrow account on XX/XX/XXXX, creating a negative balance until my mortgage was paid the very next day. Looking at the escrow statement for XXXX, because the servicer plans to debit my property taxes from my escrow account in XX/XX/XXXX rather than just days later after my XX/XX/XXXX mortgage payment, I will have a balance of - {$200.00}, rather than {$110.00} if they would wait to pay the property taxes closer to when they are actually due. Doing so would lower my " shortage '' to {$520.00}, requiring an added {$43.00} each month in XXXX to make up the difference. 

I have reached out to the servicer to try and resolve the issue, but they told me it would not be possible to adjust the date of the property tax payments for my account, because it is sent to the County as a lump payment covering the property taxes of all accountholders within the County, which leads me to believe that they are artificially creating shortages or greater " Projected Low Balances '' for many more accountholders in the area, something that could be resolved if they simply paid the property taxes when they were due.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

Received fraud email from XXXX XXXX ( XXXX ) regarding a PAYPAL transaction that I'm not liable for for {$790.00} for a XXXX  purchase but the description is for XXXX XXXX XXXX. It also states that failure to make the payment will result in a charge of {$790.00} to my account.