davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NC)

Barclay is reporting my credit as being late or non payment when they closed my account and I'm paying them off through a third party collector. XXXX XXXX XXXX XXXX. I have been perfect with payment history and paying them back.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I have contacted Lexis Nexis regarding inaccurate reporting on my credit file. I followed procedures in disputing information but they have not responded. I have called, emailed and even written them requesting that this negative information be removed. They simply refuse to remove it.
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CO)

I set up a new instant payment recipient and the bank locked my account. I called, but they said they had to send me a passcode via text. My phone doesn't accept text messages, so they said I have to go to a branch with TWO forms of ID. I don't have two forms of ID, and going to a branch is very inconvenient. They stupidly and arbitrarily took away my access to my own money.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ).

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive been dealing with Capital One for more than a few years and the situation that Im currently in has never happened to me before .I am a victim of a very foul play action from someone that acted as if they were a part of the company that I applied to. Searching for jobs on XXXX  I applied to a company named XXXX XXXX XXXX, for a XXXX XXXX position the person name is XXXX XXXX starting XX/XX/2020 we started talking about the job and certain requirements that I would need and interviewing me to see if I fit certain criterias two weeks straight talking to this company everything seemed fine and OK until I was send a check to my home address of {$5900.00} this fund was to purchase equipment and other materials for the job since I was working for XXXX XXXX I was highly convinced and in need of some type of employment that everything seems OK. Once I receive the check and was able to deposit it on XX/XX/2020 the false employer was acting very sketchy and I begin to get suspicious and did further investigations on my own that I regret that I hadnt done before I submitted this check on XX/XX/2020 I confirmed with the actual company called XXXX that this was my situation and XXXX ( president ) of the company verified that this person was not a part of their department it was nothing but a scam and wanted me to break all ties. The person that goes by XXXX XXXX has been pretending to be apart of the company and other companies. However I contacted Capital One I couldnt do anything over the weekend because they were closed so first thing Monday, XX/XX/2020 I contacted customer service to report this issue and to figure out if I can get rid of the funds and close and change my account. In result talking to different departments they came to the conclusion not to affiliate with me anymore I feel like this is very unjust and unfair for me because I am technically the victim I have never in my life experience anything like this I never intentionally wanted to mess up anything that interfered with my financial status I called different departments talk to supervisors and nothing but the same response Im trying to figure out if theres anything else that I can do to maintain my account ive tried doing everything I thought me reporting this to Capital one will reassure me however it didnt. Being a XXXX  and trying to make ends meet this was the least of my expectations and I dont know what to do capital one is the only bank I trust and location wise easiest to navigate to and manage nothing much to complain about their services just want them to understand my situation and help me understand how to move forward
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KBHS Home Loans, LLC ()

my wife and i left an Ernest money on XX/XX/20 with KB Homes to build a house. according to XXXX XXXX the Sr.Sales Manager of the loan company we have been approved on XX/XX/20. apparently loan company was trying to resolve the issue of me having another mortgage and i clearly signed a contingency form with them to sell my home prior to closing. finally on XX/XX/20 the loan company ( KBHS home Loans ) notify me about the status of the loan and carrying two mortgages in the same time. I just ask them what are you guys so concern about the second mortgage while i signed a contingency form. now a month and half passed my Ernest money which was a cashier check was never cashed out, their sales department which is the builder had no communication what so ever about the status of the loan. 
my wife and I decided not to do business with kbhomes due to lack of interest and care to sell us a home. 
Its interesting to let you know when i called and asked for my refund they gave me the same cashier check that i gave them. my check was never cashed at all. and they agreed to cancel the whole transaction without any argument. thats odd. it sounds like they know they made a mistake. 
i called and asked XXXX nicely to remove those inquiries because of their mis-communication with the builder and wasting my time. 
she just emailed me and said we cant. this is her info. 

XXXX XXXX Sr. Sales Manager XXXX Division NMLS # XXXX Office : XXXX E-Fax : ( XXXX ) XXXX XXXX Branch NMLS # XXXX KBHS Home Loans , LLC | NMLS #  XXXX | kbhshomeloans.com XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, TX XXXX KBHS Home Loans , LLC is an Equal Housing Lender
Consumer complaint received 2019-05-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (IN)

I received notification on my XXXX credit report that debt was owed ( {$410.00} ). I contacted the company and advised them that the debt did not belong to me and requested information granting them the authority to collect on the debt. I requested proof that the debt is owed to me. XXXX XXXX did not send any documentation ranting them the authority to report this debt in my name, nor did they send anything giving them authority to collect the debt. XXXX XXXX did send a copy of what appears to be an agreement signed by someone. I advised them that this is not proof and it is not my signature and demanded they stop reporting incorrect information on my behalf and cease and desist any further collection efforts. The company then sent me a set of documents to complete. I have advised them that I understand they are attempting to collect a debt and I will not provide them with my personal information due to the fact that I have already advised them that The debt does not belong to me and they did not provide me with proof that it does nor did they produce anything bearing my signature.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX HOSPITAL with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account.
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

On XX/XX/2020, I submitted a payment to pay off the remaining balance of my Fed loan XX/XX/XXXX for {$190.00}. The auto debit payment of {$120.00} for that loan scheduled for XX/XX/2020 pulled from my checking account even though the loan was paid off because the {$190.00} did not post until the same day. I have called on three separate occasions to have the {$120.00} auto debit payment applied to my highest interest rated loan ( 1-13 ) since XX/XX/XXXX has a XXXX  balance and it has still not been applied to the account as of today ( XX/XX/2020 ). The latest representative says that the payment was applied on XX/XX/2020 to loan XX/XX/XXXX, but my account online does not show that this is the case and interest has accrued on the balance since XX/XX/2020 when the funds were originally withdrawn from checking account. From my end the money has not been applied and not been refunded, I have no email or hard copy mail that states otherwise. This money has been taken from my bank account and has not been applied to my loans. Please fix immediately.
Consumer complaint received 2024-02-12
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. (MD)

I requested from all three bureaus that they investigate the inaccuracies on my report. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.

The Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last reported is inaccurate, and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 sECTION 604 A. Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - XXXX # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXXXX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (AZ)

XX/XX/2019 XXXX sent me an alert that someone altered my credit file. The company that altered my credit file is Enhanced recovery company. They never sent me any correspondences regarding collections. I reported my concerns with the attorney general in XXXX, florida. I tried calling Enahnced recovery company and request that they send me a signed signatue proving I was the one responsible for this account. I hung up the phone.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo bank was authorized to take money out of my account on XX/XX/XXXX. Instead they took it out on XX/XX/XXXX. Now they have me incurred {$200.00} in fees because there deceptive practices
Consumer complaint received 2020-02-24
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. (CA)

I called Experian to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but Experian stiff refuse to update the information. 
Experian has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, Experian, and XXXX XXXX ). 

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Consumer complaint received 2020-02-24
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. (TX)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez/Shellpoint is taking 3 weeks to verify my request to follow up on why they have not paid our XX/XX/XXXX property taxes. The payment for this is in an escrow account, and we pay our mortgage payment automatically and have NOT missed any payments. According to our County Assessor 's office, the tax payment is still pending. I have reached out to NewRez on XX/XX/XXXX, andXX/XX/XXXX and a resolution has been promised each time with no results or records of my requests.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (ID)

I have been a Chase Private Client customer for approximately 6yrs. I have taken great pride in my relationship with Chase. Approximately 6 most ago when I opened my business account, based on anticipated revenues, I was escalated to Chase Private Banking. During the account opening process I was screened no less than 3 times as to the anticipated use of this account and the source from which funds would be received. This is where the apparent issue germinated. I associated this account with my Attorney 's Chase Bank XXXX XXXX account - in that it was expected that 90+ % of all my inbound funds to this account would come from that trust account. 

My attorney notified me on XX/XX/XXXX that his bank office had called him to inform him that Chase would be closing his trust account. No reason given. The next day I was contacted by my Private bank officer and notified that due to no fault on my part, but rather " guilt by association '' my accounts, BOTH personal and business would be closed and Chase 's relationship with me terminated permanently. 

I have 5 family members with joint chase accounts with me ( at the recommendation of chase private client bank officers ) to allow them to take advantage of that product. Now for no reason given, ALL personal accounts with my name on them are to be closed by XX/XX/XXXX and the business account by XX/XX/XXXX. A side note of insult is that I've emptied all those accounts, but Chase is now posting service fee monthly of {$95.00} to the business account ... which I will NOT pay. 

This behavior is unconscionable. There is no customer more willing to be compliant or transparent. Yet without warning, and in fact, WITHOUT CAUSE of any kind - I am being summarily dismissed with ZERO recourse or accountability by the bank because their " fine print '' states that they may close any account at any time for any reason. I have a saying I've used in business with executives often about to take an action that will ultimately hurt them - " just because you CAN do something, doesn't mean that you should ''.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I reviewed my consumer report and noticed that i had some late payments on my account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts listed via attachment. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated or delete. I was never late.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I am trying to close my account with HSBC and was informed today that the process of account closing is done entirely without documentation -- it is done verbally, over the phone. This is incredibly bizarre to me. I asked for any kind of documentation for my own records about closing the account and was told there is none. That is really shady, even for HSBC.
Consumer complaint received 2020-02-24
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)

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-02-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO. (CA)

I am writing to complain about a company XXXX XXXX XXXX, XXXX- XXXX XXXX. XXXX . I have recently received documents that I am being sued by them without even notified. For a vehicle that was released to their client Ford Motor Credit, LLC. Since then the amount owed has made its on my credit report and has affected my credit score negatively. XXXX XXXX XXXX have harassed me by relentlessly calling my mobile phone, calling my job. Ive changed my number because they would reach out on the hour, every hour trying to get me to pay back XXXX ( as if a guy working a XXXX  job has that kind of money laying under a rock. Ford motor credit is what shows up on my credit report but this law firm are the ones trying to turn rocks into gold.