davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (TX)

We entered into a contract with a XXXX XXXX. He was pre-approved and everything was going smoothly until it came time to close, and the closers at UWM on his loan have repeatedly lost information and delayed the closing date by 3 weeks at this point. They keep calling the title company and saying his file has met all the conditions, but they wont issue the clear to close. I think he is being discriminated against and red lined because of his national origin.
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MI)

Upon requesting information for Ally in regards to whether the appropriate tax documentation had been submitted to the IRS and notification of my intent to negotiate settlement of debt ASAP, my account was designated as a " Consumer Fraud account ''. I called the ALLY representative who stated that although no fraud was committing because they did not report tax information that it was protocol. I was then faced with punitive action by despite no wrongdoing. This punitive action included Ally breaching my contract and changing payment terms. Despite having made all payment on time, Ally made it impossible to make payments outside of non standard methods such as cashiers check or XXXX XXXX. Ally also removed my ability to access certain features in my account portals, such as online, payments, pay off quotes etc. When I called Ally, they would transfer me from department to department as my account was flagged as fraud making it very difficult to receive any information to payoff my debt and sell my vehicle. On multiple occasions Ally agreed to send payoff amount and then did not do so. Ally also refused to grant copy of title to provide my bank for payoff. Ally created a discriminatory and negative client experience for punishment in asking legal questions.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (WV)

I opened a checking account XX/XX/2023. I deposited a XXXX of Maryland check of {$100000.00}. I received a hold email that a hold is placed on my check until the XXXX of XXXX. Come the XXXX of XXXX they still didn't release the hold. I spoke with support and they told me the check is cleared and I will be able to access my account on the XXXX due to the holidays, okay fine. Come the XXXX of XXXX, I wasnt able to access my online account. I called support spoke to a XXXX about what's going on. This XXXX told me I'm pending closure and because my account was technically closed the day after my deposit was then returned to the State of Maryland ( which ended up being an entire lie because I spoke with the State of Maryland after speaking with the XXXX that it was indeed paid and deposited on the XXXX of XXXX. ) So after I called the branch nearest me to see if I can come to the branch and get my money. He called me back and said they already started processing the check and it'll be set out but couldn't even give me a time frame. I called XXXX separate times since to check on the status- everyone keeps telling me there's no set time for my check to be set out. What kind of craziness is this? I called again today hoping I would hear something different and this time I did... The gentleman told me I wouldn't receive my check for another XXXX months!!!! Oh absolutely not. I have funds that are rightfully mine there's no reason it takes that long. I will lose everything if it takes that long all because of his bank that decided to close my account without notifying me nor allowing me to pull my money out. This is wrong. Absolutely wrong. I'm hopeful you can help me retrieve my funds faster PLEASE!
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

Chase denied my claim for a ach reversal for XXXX  for XXXX. My XXXX  account was hacked and a ach of XXXX was summited. Chase denied my claim because I used XXXX! OF course I use XXXX until it got hacked I didnt authorize the charge to go through at all I summited everything in a timely matter. Chase is not honoring there 0 % liability for fraud. I already gathered more than XXXX people on XXXX having the same issue/ chase denying these claims. I would like to solve this with chase and not make these public. If I cant get my money back I will be taking them to court including all the XXXX people I gathered. And I will be sending these to all news outlet in the XXXX. Im tired of chase doing this to people! And also the employe I was on a call with was extremely rude acused me of XXXX  at them. But all I really did was say OMG because I was frustrated with the situation and I said I didnt curse at you but he said I cursed at him and he not dealing with me and rudely hung up on me. I also have the whole recording and I will be publishing that too if Im not helped!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-09-21
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. (MD)

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.

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.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently pulled all three of my credit reports and noticed that XXXX XXXX attached my bankruptcy to my report without permissible purpose and they have caused me and my family undue burden and stress and have violated 18 U.S. Code 1028A - Aggravated identity theft. I contacted the u.s bankruptcy court in XXXX XXXX and they provided me a letter stating they do not furnish the bankruptcy information to the consumer reporting agencies. I am expecting this to be removed from my reports immediately and the agencies to send me an updated report showing the removal of the bankruptcy.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently, I did an investigation on my credit report which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 14 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank you.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (PA)

I have a Raymore and Flannigan credit card and back in XXXX XXXX XXXX  I bought a table set for XXXX . It was still during the heart of the pandemic and we all were trying to slowly build our life back up to normal. I had 1 payment that I missed due to the covid crisis as I was struggling to save money and keep my job. I didn't sent in 1 minimum due payment and I got a late payment on my credit report. I only saw that few days ago when i pulled my credit report. I paid the {$400.00} after back in XXXX of XXXX  when i was able to borrow some money but I didn't not know I had a bad mark on my report. Now I am having a hard time due to the late payment showing on my report getting a loan. I ask you please take that negative mark off as I did pay it fully and I don't have any other bad marks on my report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Clarity Services XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear Clarity Services, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Someone called to report fraud on my Paypal account and then accessed my PayPal account to make XXXX fraud transactions. 
Amount XXXX : XXXX USD Transaction date XX/XX/year>2024 Amount XXXX : XXXX USD, transaction date XX/XX/year>2024 Paypal initially favored disputed transaction for fraud scammers. Then I reported again then they are investigating again.
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (TX)

I've received XXXX phone calls with voicemails in the past week from this company. They filled up my inbox so I couldn't receive any new messages. I don't even owe anything, they were calling about someone else and were trying to find them.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run orchestrated by XXXX XXXX ( the Fraudster ) which involved me making deposits for a total amount of XXXX XXXX from my Wells Fargo account to a fraudulent investment firm ( XXXX ).
Consumer complaint received 2023-02-13
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. (IL)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX of 2023, I reached out regarding inaccurate information on my personal credit reports. I have been notified that my information has been used over XXXX times on the dark web ; I was notified by several institutions to look into my credit report and place a fraud alert/freeze. There are multiple errors with my name and address that appear across all XXXX platforms. XXXX, Trans Union and XXXX. 

My name appears several different ways, also including my previous married name. It states that my spouse is my ex, I never gave a name for spouse. My credit is being affected tremendously by all of the incorrect information posted. 

As for my addresses; there are over XXXX different spellings of my name that I asked to be corrected as well. After printing out new reports today, I notice everything is still showing as if I never contacted anyone. 

I also noticed after printing out XXXX pages on this report that the inquiries listed are insane. I have requested for this to be taken care of as well.
Consumer complaint received 2023-03-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Navient Solutions, LLC. (SC)

Navient placed loan in default and went to my son 's home to serve me w a civil lawsuit. My loan is in forbearance per President Biden and the Borrowers Defense. This has caused me stress and XXXX  and I was denied a sufficient car loan because of the false reporting.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the accuracy of certain accounts listed on my credit report. After thoroughly reviewing the information, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I downloaded the XXXX XXXX  app and put all my information correctly to make an account but they told me we are sorry we can not able to make account for you today could because I do not need to qualifications I do not see why I do not. I have XXXX ready to put in my savings account and I have no debt at all and I have a steady income so please explain to me why I can not open the account
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On or about XXXX XX/XX/XXXX I contacted my bank XXXX to refinance an auto loan with Captial One Auto finance payment processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX payoff balance for 10 days given to me of {$37000.00}. Today is XXXX XX/XX/XXXX. 

Capital one. I asked XXXX to add {$100.00} to the loan to take care of any other extra charges capital one could have hidden. Capital One account number XXXX XXXX XXXX XXXX XXXX for {$37000.00} was received at Capital One on XXXX XXXX at XXXX. Capital One then changed the check depositing {$34000.00} in the XXXX and {$3000.00} which equals {$37000.00}. Why did Capital One do this only to incur more money from me? Capital One policy is they will not except checks or credit cards to pay off auto loans. I only can use their 3rd payer option which charges me more money. {$38.00} was charged to me by XXXX XXXX On XXXX XXXX XXXX XXXX on Friday XXXX XX/XX/XXXX. 

This is highway robbery by this company Captial One They refused to allow a debt card to pay the {$38.00} saying the card was no good. They allowed a visa card to pay this amount off. The foreign call center individual stated that it could take up to 90 days or longer to clear my title from them. Captilal one refuses to allow pay off of an auto loan but does allow debt cards can pay off auto loan over {$3000.00}. 

This is a corrupt criminal money laundering operation that needs to be investigated and shut down.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT FIRST XXXX XXXX  # XXXX -- IDENTITY THEFT XXXX XXXX  XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America also went into XXXX XXXX XXXX XXXX  account and took thousands from paid accounts in XXXX of 2022 This is in addition to what was already filed.