davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST HAWAIIAN, INC. (AZ)

First Hawaiian Bank closed my checking account and gave the fund in my account to the XXXX XXXX w/o telling me! They cited that I had not used my account in over a year. But I have had non-activities with my checking account before and what they did in the past was charge me $ XXXX and they quickly refunded it as soon as I called customer service. But this time, they put my account into dormant situation and actually closed it and gave my balance away! At the time, I had over {$700.00} in my account. So this closure isnt due to negative balance or anything. 


I called their customer service number XXXX around early to mid XXXX to inquire about it. First they said they my account would go into dormant if there were no activities for 3 years, then they changed the time frame to 1 year as soon as they saw activities dating back XX/XX/2019 ( less than 2 years ago ). Then they said they would help me get my account and balance back. They claimed that they contacted their XXXX branch ( where I opened my account ) and someone at the XXXX branch will contact me but i have not been contacted by any of them! It is as if they just ignored me and my issue! 

My email and phone number are both up-to-date with First Hawaiian.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Funding is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations.. Yet on the credit reporting they have wrong dates and they are showing I made a payment in 2015. That is absolutely erroneous. The debt is past the statute of limitations and them continuing to update false information on my report is a violation of the FCRA. I have contacted my attorney as well.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I am a 19 year member of Pentagon Federal Credit Union ( PENFED ). Some time during the month of XXXX, I unknowingly discovered that my checking account was closed due to a fraudulent check that had been deposited into my account. Since that time, I have repeatedly asked/questioned this ( alleged ) check that was deposited into my account to no avail. Instead, I have repeated accusations hurled at me that I deposited the check via mobile deposit ( which I do n't have and have never used ) and then visiting an ATM machine to withdraw the monies from the fraudulent check. Here again, I NEVER did the acts that I am repeatedly been accused of. If this were n't enough, and to add further insult to injury, I am homeless ( since XXXX/XXXX/XXXX ) for which PENFED has full knowledge of. Yet, in another failed attempt to resolve the matter at hand-including an issue with an Overdraft that PENFED overdrafted and now hold me accountable, XXXX was able to retrieve the check in question. Based on the information he provided, the memo section of the check had 'insurance ' and the signature did not match mine. Hence, I am expecting this matter to move forward into being resolved. Unbeknownst to me, XXXX consults another individual named, XXXX whom he puts on the line and not divulging that he too was still on the line. XXXX, hurled accusations at me including 'you gave your login information to an individual who approached you wanting to make a deal, etc and then you immediately withdrew {$340.00} two days after the check was deposited. ' I was totally infuriated by the slanderous accusations ; but my words or rebuttal of these heinous acts fell on deaf ears. I did not commit any of these acts. What funds were withdrawn from my account represented a direct deposit of earnings from XXXX/XXXX ( XXXX XXXX ) but this was repeatedly overlooked. After an intense heated argument with both XXXX and XXXX, XXXX ultimately said they would not investigate as fraud because I was 'suspicious ' because of the withdrawal of funds. Yet, he acknowledged several deposits and withdrawals from XXXX/XXXX ; but refused to acknowledged the one that I raised. Instead, have me guilty of withdrawing funds from my account after ( allegedly ) depositing a fraudulent check into my account. Then XXXX going to tell me he would mail the statement to me after already being aware that I am homeless. Yet, claims this was n't in the notes. Another person, XXXX XXXX, whom I spoke to previously, scolded/chastised me by giving me an impromptu lesson on Identity Theft. I was deeply offended and insulted. Yet, he claimed he wanted to help. XXXX XXXX also was equally as offensive. This matter has been ongoing since XXXX and has grown worse. Despite wanting an amicable resolution to the problem, we are clearly at an impasse.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

XXXX XXXX XXXX XXXX XXXX. 
Department XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from XXXX XXXX ( South Dekota ) XXXX from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand Portfolio Recovery Associates LLC. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the said account multiple times with XXXX. I have asked for proof of accuracy which I have yet to receive. Last correspondence I sent is attached below... 


I am writing to dispute the following information in my credit file : This item is inaccurate because Reported payments for XXXX XXXX XXXXXXXX payment for XX/XX/XXXX but reported vehicle in repossession in XXXX & XX/XX/XXXX But also reported last payment received XX/XX/XXXX on an account company reported as closed as of XXXX XXXX which is ALL INACCURATE DATES. As of XX/XX/XXXX, thru XX/XX/XXXX vehicle reported as XXXX. Then started reported in XXXX XXXX in Repossession after car had already been paid in full from collateral. Please investigate this matter and delete the disputed item as soon as possible. 



1. Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 

2. Problem with the Account : This account is inaccurate/ Being reported inaccurate. 

3. Reasons for the Problem : Paid off / Payment summary / close date / payment reporting inaccurate / 4.Requested Outcome : I am requesting this item be removed from my credit report
Consumer complaint received 2021-04-21
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. (WA)

There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$0.00}
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (LA)

I asked for validation of this debt and it was removed from my credit report. Today i wake up from an alert saying that it has been re added back to my credit profile. First and moremost a deletion reinsertion is a direct violation of FCRA. I did not receive any written notice about this debt getting added back on my credit report. To my knowledge if they DO NOT notify me in writing, it is an instant violation of FCRA, which carries a {$1000.00} fine PAYABLE TO ME. 

In accordance with the requirements of the FCRA as stated below : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to be undoubtedly upset.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (FL)

The home insurance and property taxes figured in at closing have not increased however Stearns lending is showing a shortage on the escrow account after trying to force their own Stearns XXXX XXXX policy on the account. After the account was reimbursed for the unneeded/ fraudulent home insurance policy ( a separate policy had already been paid for in full at closing XXXX, there was a sudden shortage on the escrow account. My closing documents show that {$3800.00} was the escrow property costs at closing. The Stearns website shows that the required escrow amount is {$3800.00} which is a difference of {$27.00} but my required escrow payment went up $ XXXX month. I have contacted them several times ( Ticket # XXXX & Ticket # XXXX ) but no one will return my calls/ emails.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The company offered to remove a late payment from XX/XX/2020. XX/XX/2020 is not showing 30 days late, XX/XX/2020 is showing 30 days late and it is the month that I am requesting to be corrected. I appreciate the CFPB 's efforts in attempting to resolve my dispute and this company 's ignoring the CARES Act. My concern that remains is the FICO score was XXXX at this time last year and is currently at XXXX, and went down to XXXX in XX/XX/2020 due to this company 's inaccurate reporting and failure to observe the laws established by the FCRA. The letter that the company provided is nice but it does not allow me to recoup my points. I attempted to consolidate my bills to get a lower interest rate and pay off all of my credit card debt but was denied due to late payments reporting that should not have been. This just seems like a vicious cycle. I am still looking for a reduced interest rate from this company since I was unable to get a credit union consolidation after I made the last payment on my car loan in XXXX, with a credit union that did follow the CARES Act and just recently mailed my title to me. I am asking for this company to cease this unscrupulous behavior and correct my credit report today. Otherwise, it looks like a FCRA case is in order.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

COMENITY CB # XXXX is reporting a collection with a XXXX  balance on my credit report. I have reached out numerous times to have this deleted from my credit report due to it being a debt that is not owed. I have attached the credit report reflecting this account.
Consumer complaint received 2021-02-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-11-16
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: AMERICAN EXPRESS COMPANY (FL)

I have been trying to get this resolved for some time now. I did file a previous compliant and what AMEX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to Amex please see the attached email from AMERICAN EXPRESS. It was paid to them XX/XX/XXXX 2nd If  the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
Consumer complaint received 2017-11-15
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. (DE)

equifax still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX f {$330.00}
Consumer complaint received 2021-02-08
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. (NY)

When XXXX XXXX  XXXX went into lockdown due to the COVID-19 pandemic, I lost my job and subsequently, the ability to make regular payments on my credit cards. I contacted all of the credit card companies - including XXXX XXXX, which services XXXX XXXX customers - and requested that my account be placed into forbearance. I was told that I was placed into forbearance and that I would receive notice to resume payments in the mail. In mid-summer, I noticed that a delinquency from XXXX XXXX  was added to my credit report, which is inaccurate. I filed a dispute and called XXXX XXXX, and was told that I never called to request forbearance - which is 100 % completely erroneous. The delinquency remains and it is negatively affecting my credit score. This is an egregious act especially during a very difficult time for those who have lost their job due to this crisis, and the only issue I am having out of all of the banks I work with is XXXX XXXX.
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I was provided no notification of the " alleged '' debt and thus any opportunity to dispute the debt prior to its reporting to credit bureaus. On XXXX/XXXX/XXXX, I sent the following letter : Certified Mail XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX, XXXX XXXX : Account for {$320.00} ending in XXXX To whom it may concern : I am writing to demand that you immediately remove from my account a reported amount of {$320.00} for an account ending in XXXX. 

1. In violation of the FCRA, I have not received notice of any such debt as well as the contact information regarding to whom this alleged debt is owed. 

2. Neither have I been afforded an opportunity to nor have I been provided an opportunity to dispute the alleged debt. 


I hereby demand that this alleged debt be immediately removed from any and all credit report bureaus this has been reported to until such time you can comply with the provision of the FCRA. Failure to do so will result in a suit to protect my rights and any damage done to my credit reputation. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX In addition, I am receiving an excessive number of spoofed calls which leave no messages which have exceeded 100 in total as of this date and no response to my letter. Further, it seems that the day after they received the letter, they reported the debt to another credit reporting agency rather than remove them until I have an opportunity to review and request documentation and dispute.
Consumer complaint received 2017-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

I HAPPENED TO LOOK ATT MY CREDIT REPORT AND SAW SEVERAL COLLECTION ACCOUNTS FROM XXXX XXXX XXXX. THEY NEVER SENT ME A NOTIFICATION OR ANYTHING. THEY JUST PUT ALL OF THESE COLLECTIONS ON MY CREDIT. I HAVE NOT GONE TO AN EMERGENCY ROOM IN OVER FOUR YEARS, AND MY INSURANCE PAID IT WITH MY DEDUCTABLE BEING PAID. SOME OF THE ACCOUNTS FROM XXXX XXXX  IS DUPLICATED. I SENT FOR VALIDATION IF THE DEBTS AND THEY IGNORE ME AND DO N'T RESPOND
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (TX)

Im already Citibank credit card customer and applied for another one Advantage to get miles reward. The approval process went fine I was approved and received the card at my home. When I tried to activate the card I was transferred to an agent and he said I needed to send my social security card in order to activate my card. For security reasons I insisted they already had my data and I could confirm the last 4 digits but I could not send my social by mail due the risk my SSN lands in wrong hands.

They said could not do anything ... but I had my credit score hit and the account reported but I can not use the card. 
I called a second time and explained the reasons I have other Citi card and others from Other banks and never had to mail anything and worst is the form says I would aurhorize a third party to access my data and does the verification. 
As far as I know this should be before they send me the card and report the as open account in all bureaus. 
I refuse to send an information they already have and get the risk my data exposed.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Evidently your agency is a sham because you NEVER address or repair the issues. You allow the business to dictate their terms placing me and others in financial bondage via incorrect or incomplete information. I could not find out the disposition to a collection agency report on my file that I was never informed they were attempting to collect. A fdca failure. Secondly wrong information on file. I gave opened complaint with Try gen state of Florida dispute almost a year and a half old.nexrlt even though this company claims I can add my own comments they do NOT ALLOW and only offer their canned responses. We are kept in complete financial bondage. Last they will not provide credit score. On line does not work not auto system. Also cfpb you never correct rejection of last 4 social security entry and email issues. It speaks loudly to who you are! " The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) ''