davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: HUNTINGTON NATIONAL BANK, THE (MI)

TO WHOM IT MAY CONCERN : I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Accounts that are in violation include : Account Name : THE HUNTINGTON NATL BA Account Number : XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error, this account was always paid as agreed on time. This is an error and this account in violation. 

By law, transactions are not to be reported on a consumers credit report. Therefore, companies that report such transactions such as late payments are also in violation of the FCRA. 

Please update payment statuses accordingly, otherwise please delete this fraudulent account and fraudulent activity from my consumer report immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX sold my account to XXXX XXXX as a charge off account. According to 15USC-16802 obligation to disclosure of personal information ( creditors have to get permission to share your info with a third party ). I have never given my permission to have this shared with a third party.have requested both the 1099c and debt validation letter. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. Attached is also the dispute filing that comes bank verified within 24hrs of filing a dispute how can it return so quickly its like it is an automated response to my dispute. I have also attached proof of certified mail sent to XXXX and I've gotten no response. 

Violations 15-USC-16802 15 -USC 1681 eb
Consumer complaint received 2021-07-23
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. (NC)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to remove my credit freeze on TransUnion for 2 months. Their website always says they're unable to do so at this time, and to call an XXXX #. I did, spoke with someone i couldn't understand, and hung up. Tried a few more times, was eventually directed to their texting system, where they wanted me to text them my social security #! Which their website states not to do. When I refused, they said they couldn't help me without my personal information to verify who I am. It's all very sketchy, and have been unable to remove this freeze. I work for XXXX XXXX, we're always receiving emails from IT about scams, and how to detect them. I have to take the XXXX class every year to keep up to date on the hackers out there. I'm not claiming this is a scam, but it does feel like their website has been hacked and sending us to unauthorized people. One of the ways they say to contact them is through their XXXX page, so I looked at it this morning, there are a lot of these same complaints. I am on a deadline now to get this freeze removed, as my introductory interest rate expires in XXXX. I had no problem unfreezing the other two, which has left me vulnerable waiting for TransUnion to do their job. This company holds my credit and identity in their hands, and I don't trust them.
Consumer complaint received 2024-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

I switched mortgage companies and thought I canceled the ach for XXXX so that I could use the payment for my old mortgage company for my new mortgage. Long story short the funds for my last mortgage with Mr cooper did not reach them Or so that is what I was told on the phone. I call the bank ( XXXX ) and they say that there is nothing they can do to receive the funds because I authorized it. So now Mr.cooper scam mortgage company has my money in limbo. All I want is the money to go back into my account so I can pay my mortgage. But no one is helping me and I am extremely frustrated with the whole process altogether. The first time I called they said that they never received my final payment. So $ XXXX is just no where to be found apparently even though it came out of my account.
Consumer complaint received 2023-07-29
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. (FL)

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the close date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I opened an account with Bank of America on XX/XX/2019 in response to a promotion they were running at the time for {$300.00} account opening bonus. I received an email for the promotion XX/XX/2019 ( see attachment ). I opened the account on XX/XX/2019. I met the direct deposit requirements quickly ( see attached statement ). I inquired at a branch when I would receive the bonus on XX/XX/2019 to which I was told it would take up to 180 days. After that time I called Bank of America to which I was told they would have to research it and they would have an answer within 60 days of that call. It's been way past 60 days and I have not heard from Bank of America.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

I am writing in today in regards to the following account Barclays Bank account # XXXXThe issue with the account is that I scheduled to make a payment on this account and the system selected the wrong account to withdraw the funds I was unaware of this issue since I had left the XX/XX/XXXXfor a several weeks. But once I was made aware that an issue had occurred I quickly got this account back in good standing.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlas Credit Company, Inc. (TX)

Atlas Credit Company , Inc . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Request to Update Account Information to Reflect Paid-in-Full Status Dear Atlas Credit Company, Inc. , I am writing to request an update on the information reported for my account, as listed below : Account Number : XXXX Account Holder : XXXX XXXX This account has been paid in full ; however, it is still being reported inaccurately, which is negatively affecting my credit score. I kindly request that you update the reporting of this account to reflect its paid-in-full status and ensure all information accurately reflects this final resolution. 

Please notify me once this update has been made to my account status, and confirm that the corrected information has been shared with all major credit bureaus. 

Thank you for your attention to this matter, and I appreciate your assistance in maintaining an accurate credit profile. 

XXXX XXXX
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

XXXX share rides authorize the maximum amount for the trip as a pending charge. Once ride is completed, the specific amount is charged and pending amounts are to drop off within 2-3 business days. There are 30 transactions where Chime has not dropped these pending amounts and put monies back into my account and supervisors don't even understand it is there accounting error/delay.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (TX)

I installed the Coinbase XXXX app on my phone to explore cryptocurrency. They charged me a total of {$89.00} for their Coinbase XXXX service, which I did not knowingly subscribe to. After contacting Coinbase, they acknowledged I did not intentionally sign up for this service but only refunded {$29.00}, keeping {$59.00}. This feels like a deceptive practice, and I am requesting a full refund and an investigation into their subscription practices.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

This is to express my deep dissatisfaction and concern regarding the holding of the funds in my Square account. As of XX/XX/year> I got a mail from square that my account has been deactivated and my balance totaling {$61000.00} will be withheld for a period of 90 days, right now it's been over 7 months and my funds is still yet to be released which has impact my ability to conduct business and meet financial obligations. 

Despite my persistent efforts to resolve this issue through square customer support channels, I have encountered nothing but delays and unhelpful responses. The lack of transparency regarding the reasons for withholding my funds only adds to my frustration. 

I urgently request the immediate release of my funds. The detrimental effects of this hold on my business operations can not be overstated. It is imperative that this matter is addressed with the utmost urgency and efficiency. Failure to resolve this issue promptly will leave me with no choice but to pursue further action to safeguard my interests. 

I trust that you will prioritize this complaint and take swift action. I eagerly await your prompt response and resolution.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (MS)

[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt.

Please provide the following information : The name and address of the original creditor.

A detailed statement of the amount owed, including interest, fees, and any other charges.

Proof that I am responsible for this debt, such as a signed contract or other documentation.

The date of the last payment made on this account.

Documentation showing that you are legally authorized to collect on this debt in my state.

Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act.

Please send all requested information to the address above.

Thank you for your attention to this matter.

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Heritage Financial Group, Inc. (KY)

TO : Heritage Acceptance Corporation RE : Second Notice of XXXX Second Request for Copy of Police Report and Sale Price I am writing to formally request documentation regarding the repossession of my vehicle XXXX XXXX on XX/XX/year>. 

Police Report : I request a copy of the police report related to the repossession. This is my second request, as I have not yet received a response. The police report is essential for my records concerning this matter. 

Sale Price Information : I also request the following details regarding the sale of my repossessed vehicle : *The final sale price at which the vehicle was sold. 
*The date of the sale *Any documentation regarding the sale, including the method of sale ( auction, private sale, etc. ) and any surplus or deficiency related to the sale. 

As the borrower, I am entitled to this information under applicable laws and regulations regarding repossession and sales of collateral. I appreciate your prompt attention to this request and expect a response within 14 days. 
Thank you for your cooperation.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NJ)

In according to federal law this company XXXX  XXXX XXXX, has violated my rigths, According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), 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 2024-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

My savings account had XXXX unauthorized XXXX transactions on XX/XX/year> totaling {$1200.00} and my checking account has an unauthorized bill pay of {$500.00} processed on XX/XX/year>. I had to open 2 separate claims, XXXX for the XXXX Transactions and another for an online bill pay to XXXXXXXX XXXX and the bank denied both claims. Per Wells Fargo, they advised that unauthorized activity was made through a secure online banking session by me or someone who had my authority and that there were no other processing errors. Essentially the bank is saying that I gave authority for unauthorized activity on my account. These were all fraudulent transactions by scammers as my account was hacked. I have banked with this institution for 10 years and these transactions were clearly not in alignment with the normal history of my banking activity. I have requested the documents they used to make their decision and was told it would take up to 30 days to receive that information.
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (OR)

I borrowed {$1400.00} from OppfinanceXXXX bank XX/XX/XXXX. I accepted an APR of 159.41 % not knowing that anything over 36 % in the state of Oregon is illegal and unethical. I have paid them {$1400.00} since the time I accepted the loan and still have a balance of over {$1400.00} which is not realistic for me to pay, and they want me to pay XXXX times a month, and then if I miss XXXX of the XXXX payments, they report to credit. This is not fair or just, and having paid over the amount that I have borrowed in less than a year, this should be taken into account when finding a solution with this company. On XX/XX/XXXX I tried to find a resolution with Opploans/XXXX Bank via XXXX They responded via mail on XX/XX/XXXX stating they were unwilling to settle the debt by Oregon lending regulations.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (MD)

I received notice of collections from Bay Area Receivables Inc. ( a collections agency in XXXX  ) for {$1200.00} to a client, the creditor : XXXX XXXX XXXX ( XXXX  ) for service on XX/XX/year> for a minors medical emergency, that was covered and paid for in the first insurance claim, but the creditor lost track of their own accounting and can't find it, and sent a second bill through my insurance that was denied and sent to collections. I sent documentation of the double billing by XXXX for the same visit, for the same provider, XXXX XXXX XXXX - to the collection company and the original provider. The collection company denied the documentation and denied forwarding documentation proving the validity of the charges and how they arrived at the amount I'm being billed. Further, as my minor was covered during the time of care, XXXX was an in-network emergency care provider at the ER room we went to, and given the protections in the XXXX  No Surprises Act the allowable amount of the {$1200.00} emergency room bill for collections would only have been {$230.00} should I even have been held liable for the charges which Im not, since theyve already been paid in the first claim. 

Claim XXXX for {$950.00} in XXXX Charges- Approved & Paid for by my insurance - XXXX claims they do not have a record of this claim, and that they never received payment even though XXXX XXXX issued them the copies of the XXXX  and cut them the check, and XXXX sent in adjusted claim requests. 

Claim XXXX for {$1200.00} in XXXX  Charges - Acct No XXXX - Approved then, reclaimed/denied for double-billing by XXXX XXXX- This is an unlawful collection pursuant to XXXX XXXX XXXXXXXX
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Hi, I want to file a complaint about my checking account at wells Fargo bank. there was a check deposited and withdrawn under my name thru mobile banking without any knowledge. I received a letter that i will be attached here to my complaint that there is a certain person claiming that it is her check i forge it.. i will also attach checks that issued but it is all written by me not like the checked that i am accused of forging. the check was under my name and account but my ID is on top of the check covering the real owner of the check, ,wells Fargo is ignoring my issue and insist that i should repay for it ... that I will not do because it is an admission of guilt..i am currently taking up law enforcement schooling and i do n't want my reputation to be messed up with this anomaly of the bank..I am hoping for your kind consideration to look on this matter.thank you so much
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my Experian AND XXXX consumer report and I noticed some late payment posted on my consumer report : 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 XXXXXX/XX/year>