davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (CO)

For years I have complained to Zions Bank in Utah / dba Vectra Bank in Colorado about how there statements do not accurately reflect payment activity and how interest is calculated. In XXXX I sold the property that the HELOC was secured by. Upon presenting my final statement I called and wrote that I felt the payoff amount was incorrect and that I would like to see a manual calculation showing the interest acrured, payments and dates and balances through the last period when the loan had a balance. The bank refused to provide ths information and simply stood by their assertion that the loan balance was correct. 
To bank on XX/XX/XXXX XXXX Under ticket no XXXX  XXXX I have requested the following from Zion / Vectra Bank. 
An accounting of my account in the following manner. 
Date of last loan advance which was the 2.99 % promotional under XXXX : I have XX/XX/XXXX Please confirm Amount of loan advance I have {$110000.00} Please confirm Amount of interest/finance charges that accrued until payment on XX/XX/XXXX New balance after paying interest charges Amount of interest/finance charges that accrued until next payment, amount & date New balance on that date, And to continue this process until final payoff. 
My last statement dated XX/XX/XXXX showed I had an overpayment of {$52.00} which you have sent me a check for. 
My calculations show I have overpaid you by {$360.00} I would like to have you do the calculations in the manner explained above to prove that the {$52.00} is a correct amount. 

The bank replied with the following on XX/XX/XXXX " Nothing in our review indicates you are owed a refund in a different amount '' I feel that the request I made was normal and reasonable and feel they should not be allowed to behave in the manner they did.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received a note today that CapitalOne would be closing my account due to inactivty. They put me in restricted status saying they'd close my account in 3 months. There was no prior notice and I had been receiving my status and promo emails from them as usual. 

When I spoke to customer service agent she told me there was nothing that could be done and connected me to a manager. He told me that " CapitalOne made a business decision to close my account '' since I had not used it in the previous 37 months and they believed I " had no intention of using the account ''. 

Why does my intent to use the account matter? Why did they not send me notice before there was no intervening? I am not pleased with CapitalOne since their decision, which had no negative impact on their company, will cause my credit to shift around based on the limits and age of this line of credit.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

I moved out of the apartment XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX # XXXX at the agreed time and paid all my rent and utility bills on time, leaving the apartment cleaned. I never received any notice of any unpaid bills since then. I never received any security deposit back with itemization of deduction either. 7 months later, suddenly my credit score was negatively impact by a collection agency without any warning or notice of any kind. The collection agency indicated I owed {$450.00} on top of my security deposit {$200.00}. They have never sent me any itemization of deduction and never sent me any owed debt bills. Cleaning the already cleaned apartment shouldn't have cost {$640.00}. Also, the collection agency should've contacted me to verify the debt and negotiate a resolution before sending me directly to the credit report agency thus unfairly and wrongfully hurt my credit.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (MS)

NELNET , INC. reported an alleged debt to my XXXX, XXXX, & XXXX credit report which is a violation of 15 USC 1692c ( b ) 15 USC 1692b ( 2 )
Consumer complaint received 2020-12-21
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. (CA)

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

There was a payment made to Synchrony Walmart of {$180.00} on XX/XX/2019. The payment was again was returned by my Bank to Synchrony Walmart even though there was sufficient funds in my account to cover the payment. Per my bank on XX/XX/19 that payment was returned erroneously. I have received the letter from Walmart Credit Synchrony that my account was closed due to returned payment. Once again this wasn't my fault at all that this was done. Once again my bank has returned a payment erroneously to Synchrony which and when they should have paid it. Please re-open my account as it should not be closed due to bank error. I have attached the letter from XXXX XXXX taking responsibilty
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Area Collection Service, Inc. (OR)

On XX/XX/XXXX I noticed a new and unknown debt collection on my credit report for {$3400.00} - XXXX XXXX XXXX ( Original creditor, opened XX/XX/XXXX ) that had been added in XX/XX/XXXX. I immediately wrote a debt verification letter to the named collector, XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ) requesting a debt validation letter as I had not had any prior contact ( call, letter, bills, etc ) for this agency or original creditor. They have failed to respond to the debt validation letter. I also filed two disputes with the credit bureaus but those have not resolved anything. Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. The debt was last reported to the credit bureaus XX/XX/XXXX.
Consumer complaint received 2022-05-13
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. (MD)

submitted a dispute with Experian for inaccurate information being reported about me on my credit report i have ask on numerous occasions to investigate and correct they have yet to do so or fix the issue with the inaccurate incorrect item being reported on my report they claimed to verify the incorrect bankruptcy with XXXX received a copy of my report which shows no bankruptcy being reported and yet the refuse to correct the inaccurate unverified information being reported
Consumer complaint received 2018-04-26
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: BTH Management (MI)

I began to receive calls about a year ago from a collection agency claiming to be collecting a debt from a payday lender. I informed the company that I have had a payday loan and requested on multiple occasions that they provide me with any information that had related to the debt and to no longer contact me via phone. To date, XX/XX/2018, they have failed to comply with either of my requests. They are still reporting inaccurate information on my credit file. They have not provided any substantiating data related to the debt in the time allowed by the FDCPA and they continue to contact me via phone. It is my contention that this company has violated multiple federal laws and they refuse to respond to any requests.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (VA)

I applied for a store card that was approved, however the bank that issues the card linked me to a previous address from a card I had with them Instead of the correct address used on the application in store. They have sent my card and other documentation to that previous address. I called the 3x and went back to the store that I applied for and made my purchase through. They want me to send a 5 sec video of myself and my iD along with a current utility bill through a link they text me to my phone which I refused all 3x. They will not correct the address but said they will send a letter with a pin code to verify me to that previous address. I asked them not to send documents there, I cant access the account online and they have done something in my eyes illegal by using an address I did not give them
Consumer complaint received 2019-04-25
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. (GA)

This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A,  state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST HORIZON BANK (TN)

I recently opened a First Tennessee Visa account with the intention of transferring a balance from a MasterCard account I had with XXXX XXXX. I spoke to a representative at First Tennessee over the phone in XX/XX/XXXX to initiate the balance transfer, and was told that it could take 7 - 10 days to process. After not hearing anything for 2 weeks, I called back and was told that the balance transfer had been approved and that everything was fine. I kept checking my First Tennessee account online, and noticed that my Visa 's balance was still XXXX. After another 2 weeks, I called back again and was told that someone from their customer solutions department would reach out to me. A gentleman called me on XXXX/XXXX/2015 and told me that a check was cut to XXXX XXXX on XXXX/XXXX/2015, but that it was only good for 30 days so we would probably have to submit another balance transfer request. I did as I was told and requested another balance transfer via the First Tennessee website on XXXX/XXXX/2015. 

Finally, on XXXX/XXXX/2015 {$6300.00} posted to my First Tennessee account as a balance transfer. I received a statement from XXXX XXXX showing that I had a XXXX balance. I logged into my First Tennessee account yesterday ( XXXX/XXXX/2015 ) to find that the balance transfer had apparently been processed XXXX and my balance was XXXX what it should be!!! I immediately contacted First Tennessee and was again told that someone from their customer solutions department would reach out to me. I just received a call XXXX XXXX at First Tennessee and she advised me to contact XXXX XXXX and ask them to refund the overpayment. This is absolutely unacceptable and a complete waste of my time. If First Tennessee advised me to submit another balance transfer, then they should have put a stop payment on the XXXX check they cut to XXXX XXXX. First Tennessee needs to refund my credit card, and deal with XXXX XXXX on their own time.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the fair credit reporting at 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 2. 
It also states a customer reporting agency can not furnish a account without my written instructions. 



Creditor Contacts Creditor Name Address Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the fair credit reporting at 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 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 



Creditor Contacts Creditor Name Address Phone Number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

I filled bankruptcy in XX/XX/XXXX I did not include my mortgage in the bankruptcy. I have been on time and have not missed any payments. I did not reaffirm the loan. My mortgage company Wells Fargo has not been reporting my payments to the credit reporting agencies or has reported it as included in the bankruptcy. I have been in contact with them multiple times in the past week and they have refused to correctly report the information because I will not reaffirm the loan. My attorney has advised me against reaffirming the loan as it is not required and by per my attorney the credit reporting agencies should be receiving my updated payment information. The last payment Wells Fargo has reported is XX/XX/XXXX.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (SC)

I have a debt collection from a company that open a account in XX/XX/XXXX. This company XXXX XXXX, has never showed up on my credit report until now because the company was sold to World Finance has bought XXXX XXXX out. I have no reconciliation of this company or the account and now its showing as a charge off on my credit reporting XX/XX/XXXX. It has ever shown on my credit. I reached out to the new company and they told me that they only got the information that the company sent them. How can I remove this from my credit as I have disputed it with XXXX  twice?
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Bankruptcy file date is wrong. Should be XX/XX/2010 Never had this address : XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (CA)

DATE : XX/XX/2021 BANK OF CHECK XXXX XXXX CHECK NUMBER : XXXX AMOUNT : {$32000.00} CASHED ATM BANK : WELL FARGO We mailed check to our vendor and it got stolen. the theft cashed the check from WELL FARGO ATM. We report the issue to our bank ( XXXX ), and they were working with WELL FARGO for the issue. However, WELL FARGO closed our case twice. first time, they require additional document, and we gave them all. Subsequently, the require a police report again. We already report the mail theft to the USPS, and they have their own investigation team to work on it. I have the complaint or the claim number. But WELL FARGO insist to have the report!! 

It is incomprehensible why WELL FARGO keep giving us hard time. the person who cashed the check from the ATM have the account information when they use the machine to cashed the check. ALL information is traceable. NAME and the ACCOUNT NUMBER. why it is so difficult to scrutify the person account. 

ALSO, on the check, pay to and the theft name are not match. Correct one is the company name, stolen one is the person name. How can they still allow the person to cahsed out the amount? 

The investigation goes more than 1 years and they still asking for more documents?
Consumer complaint received 2022-05-13
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

has violated all 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 2020-12-21
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. (NC)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT