davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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. (GA)

My issue is with XXXX, XXXX, and Experian with a car loan company, XXXX in which each company reports late as of XX/XX/XXXX. As this is untrue, I relinquished the vehicle in XXXX yet its being reported as though I have XXXX XXXX XXXX  day lates. How can I have that many XXXX  day lates reject and am offended by XXXX, XXXX, and Experian reporting this erroneous information. This is keeping me from getting a mortgage and other credit. XXXX XXXX XXXX has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly as should anyone any consumer any American.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy
Consumer complaint received 2023-12-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: RESIDENTIAL HOME FUNDING CORP. (NC)

On XX/XX/XXXX I was informed that a mortgage I had applied for from RealFi Home Funding Corp. was clear to close. I signed a closing disclosure on XX/XX/XXXX. The loan officer I had been working with, XXXX XXXX, left the company before the closing date, so RealFi had me resign some forms that replaced XXXX XXXXXXXX XXXX name with XXXX XXXX, the COO of the company on XX/XX/XXXX. I advised them that closing was on XX/XX/XXXX and I was assured that there would be no issue. On closing day, XX/XX/XXXX, RealFI failed to submit paperwork to the closing attorney on time prompting me to call them. I learned that not only was RealFI unprepared to close on that day, but they were more than a week behind schedulewhich would cause me to be in breach of my purchase contract on XX/XX/XXXX.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc (MO)

I received a phone call from XXXX and said that my name had been used to laundry monies. I was then transfered " agent " from FTC with badge number. He told me that I had to deposit monies to hold on file while complaint was investigate. I was told monies was to be deposit in a ATM and gave me location for The ATM operated by ATHENA. He told me that once the investigation was done the money would be returned to me. 
He gave me my account number and a one time account number for monies to be returned. 
He told me if this money was not deposited I could be arrested. 

After depositing monies I checked with local police department and they told me that NO warrant had been issued for me. 
I then tried to have monies {$10000.00} used returned from ATM and was told my account was empty, I then filed report with FTC The FBI and local authorities. 
This was on Friday XX/XX/2023.
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (NM)

On XX/XX/2023 I received an alert through XXXX, that on XXXX XXXX, it was reported that I had an outstanding balance of {$800.00} to Credit Systems, XXXX XXXX XXXX, XXXX, Texas XXXX on my XXXX report. I then proceeded to call Credit Systems, XXXX. I told them I was a victim of Identity theft. The date was XXXX XXXX XXXX XXXX. This was to XXXX XXXX XXXX. The service was provided at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, Texas XXXX. I was a victim of identity theft around the same time last year that this account was opened. They told me to make a report through the FTC.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is advertising a 6 month CD rate 5 % interest. Yesterday, ( XX/XX/XXXX ) I responded to the offer and opened a CD account with {$50000.00}. I visited the bank to find out about the interest rate and was told I would only receive {$610.00} interest at the end of XXXX months. I requested them to close the account stating TD bank was using deceptive advertising, and I was told I would be assessed a penalty of {$600.00}. I explained that I had just opened the account an hour before I visited the bank, the manager said it did not matter.
Consumer complaint received 2023-12-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (SC)

On XX/XX/XXXX, I called way2 go to file disputes about some charges that was on my ePay card that I did not recognize I had no way of sending them information and I have tried several times to call and reach a representative and I have not been successful and they did not resolve my dispute also I have additional documentation to attach ( police report ). I just want my refund!!
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

un-authorized inquiries 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

On Thursday XXXX XXXX, I attempted to withdraw XXXX $ from a XXXX atm . The XXXX atm didn't dispense cash. Instead, I received receipt, and an error message saying to contact my financial institution. Because I had not retrieved the money fast enough!! Even though the compartment with money never opened!! I contacted my financial institution immediately thru app, which is CASH APP. A bot responded with hours of operation. Called customer service the following morning, had to file dispute. Said disputes supposedly take 45 days to investigate. I have several complaints about XXXX atm 's, and Cash app!! Its now Tuesday XXXX XXXX, the following week and I've tried to speak with a manager or supervisor several times. There is not any active upper management to speak to at Cash app. I've tried to contact Cash app 's " investigation '' team directly several time. No one responds. or I'll get an email from someone claiming to be a manager saying they'll take note of my complaint. But no results!!! Their website says they offer provisional credit while investigation is under way. I was not offered, nor did I receive a provisional credit. 45 days for a financial investigation is too long to not produce quick results. Also, XXXX atm 's should be audited! How can an atm not dispense money, but report to my financial institution that it completed transaction. Is that legal? If no money was dispensed, why shouldn't I have been able to just go to a different ATM? no harm no foul. if i could sue, I would!! In every other profession, using faulty equipment will get you sued. A money dispensing machine that doesn't dispense the withdrawn amount, should be at the very least out of commission!! And any financial institution making a profit.. Should have to be reliable, and held accountable!
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I order - from Home Depot online - {$290.00} worth of baseboard. 

The delivery charge was {$35.00} Order was canceled within a short amount of time because local store did not have what I ordered. 

However, when called - I was told it would take up to 5 DAYS for refund to show up.

that is ridiculous this is HOME DEPOT. 

Think how much $ in interest they make off of these types of transactions!!! 

My credit card company said transaction was pending so I couldn't cancel it until there was a dispute.
Consumer complaint received 2023-12-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Duvera Billing Services, LLC (NC)

In XXXX of XXXX I took a loan out with XXXX XXXX for vehicle repair services. The agreement was for {$120.00} every two weeks. The card information was updated, and they charged the wrong card by accident. I received a call from XXXX XXXX  and missed it. I called back and spoke with an agent. She stated we were in a recorded line, and it was an attempt to collect a debt. I told her about the updated card info and stated the payment could be processed. I next asked about XXXX XXXX  no longer conducting business in NC due to unfair and deceptive business practices. XXXX XXXX charged my account four different times during a 30-day period. I committed to pay every two weeks. My card was charged {$120.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Once the deceptive practices were brought up, the representative became belligerent and extremely rude. She started cursing and stated regardless, you us the money and we will collect from you. We will debt your account as we please and all you can do is pay. Next she hung up on me. I tried calling back to speak with a supervisor. I got the run around from XXXX. XXXX asked me to hold. The first time I called back I was on hold for 45 mins, then I was hung up on. The second time I called back I was on hold 60 mins and then hung up on. I called back a third time and was placed on hold. I have not been able to call and get another representative on the phone to speak about the overcharges to my card. I have been harassed and overcharged by XXXX XXXX XXXX XXXX  was upset that I mentioned they are no longer allowed to conduct business in NC due to unfair and deceptive business practices and should not have given me a loan in XX/XX/XXXX. XXXX XXXX was ordered to stop operating business in several states and should have not accepted my application in XX/XX/XXXX. Now XXXX XXXX  has started taking money from my account unscheduled and refusing to connect me with a supervisor to discuss the issues I'm experiencing with their services and representatives.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/XXXX, I requested an online transfer of XXXX  XXXX from my Savings Account to an external account. 

The withdrawal was completed on XX/XX/XXXX via ACH. However, it was then reversed the same day. 

When I contacted the bank to inquire about the reversal, they said they needed to speak with the joint owner. When he called them, they asked a few security questions, then said they would call back with an update in 3-7 business days. They offered no explanation and no alternative other than calling later to try and speak with a supervisor. 

This is not in line with their own terms : " [ Bank ] has a limit of six withdrawals or transfers per statement period, and each transfer has an outgoing limit of {$120000.00} when initiated online. [ Bank ] processes transfers of {$100000.00} or less made through [ Bank ] by XXXX XXXX XXXX on a business day, by XXXX XXXX XXXX  that day. ''
Consumer complaint received 2023-12-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Personal Cash Loans of SC, Inc. (SC)

kinsmith finance has been sending my info to people in the state of XXXX there is no reason why my information should be at someone house in XXXX my ex wife got a email on XXXX saying they got a letter from you people and also my rights have been violated i told u guys to stop all communication with me and my references but yet you still communicate with me which is against the law so again my lawyers will be in touch i can't do anything for u and also a copy of this letter and all correspondence showing i told you guys to stop all communication and proof showing my information was sent to texas and proof showing i live in state of XXXX  to XXXX XXXX attorney general office
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (KS)

There is a inquiry on my report I didnt do Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 XXXX  company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41 Date : XX/XX/2023 Ally Financial
Consumer complaint received 2024-05-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY (CA)

After selling my home several years later I was informed by the state of California that Wells Fargo had not delivered a payment due me for over {$2000.00} dollars, I contacted Wells Fargo and have submitted the documents they requested to get my property. It has been months and they still have not honored my request.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
BankruptcyChapterXXXX  XXXX BankruptcyChapterXXXX XXXXXXXX BankruptcyChapterXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-25
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WA)

On XXXX XXXX I made my typical mortgage payment online which was on auto pay for {$700.00} though my bank. In XXXX I received a letter stating that my payment was in suspense and that a late charge had been assessed for not making my payment on time. When I researched this, I found that my payment had increased in XXXX 2015 to {$780.00}. I immediately called the main office and paid the delinquent amount of {$86.00}. At this time I also found out they did not have an accurate phone number for me as well, which I have updated. 
I pride myself on paying my bills on time and this was an oversight on my part. I understand the importance of this issue and I should have paid more attention to the statement. 
I 'm currently in the process of refinancing my primary residence and the late reporting has crushed my credit report to the point I no longer qualify. I am simply asking for a onetime retraction. I know this is not common, but have found out that many lenders have done this in certain circumstances. 
I have called several times and written correspondence asking for them to rectify the mistake. When I do call, I 'm not able to actually talk to someone that can make a decision. They say that there is no " customer facing '' person that I can talk to. The only communication that is allowed is through letters.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC (TX)

Open new checking account at XXXX XXXX XXXXXXXX scheduled appointment XXXX. 45 minutes dealing with XXXX and branch manager XXXX male blue suit. Then because they wont tell you option online or on phone I get an account that I will have to change, I thawed my credit for verification to open and account with XXXX and equivalent but XXXX had issues and still unresolved! Error code XXXX, mixed file? Still no resolution but reported to XXXX Today XXXX, I get letter attached from XXXX XXXX XXXX stating unable to open an account with credit score indicated. Reasons : status of relationship with inquiring bank as compared to age of the established relationship with any bank, AND NUMBER OF INQUIRIES DURING LAST 30 days. 

I have an account with routing and checking, have all copies of signed documents they hassled me over providing, and deposit slip deposited into said account. Still no debit card, waiting on usps to deliver white envelope no tracking 3-4 more business days? The account wont allow checks and is not what I wanted it asked for. Letter states contact Early Warning Systems? No contact info? I want this resolved in timely manner as this information is incorrect. I have had a bank account continuously for years and previously a mortgage paid off in 2016 with XXXX XXXX XXXXXXXX. Never late! I own my home and car and only get disability, live alone and XXXX XXXX! I expect a prompt response and resolution including a follow up letter and removal of negative reporting to all agencies immediately! Will provide an account and routing once acknowledged with XXXX XXXX XXXX on new account.
Consumer complaint received 2018-10-03
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: BBVA FINANCIAL CORPORATION (TX)

compass bk pulling my credit XXXX XXXX XXXX XXXX and XXXX  having isssue removing my fraud alert with all 3 's XXXX, XXXX, and XXXX ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX
Consumer complaint received 2023-05-06
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. (FL)

All three bureaus are reporting late payments on these accounts. XXXX, XXXX and Transunion. On XX/XX/XXXX i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXX XXXX, XXXX and Transunion are reporting : XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in the amount of XXXX every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information.

I wasn't given any opportunity to opt out. They never gave me an option to opt out.