davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (SC)

To Whom this may concern, Chime has put a temporary hold on my account. They claim to have noticed some suspicious activity. However, this is not true. I have upload sufficient evidence proving that I am the intended recipient of the deposits made to my chime account. I have made several attempts to resolve the issue & give as best explanation as I could to fix the issue. I have sent numerous emails, I have made several calls and the company had made no progress in identifying the issue. The company has kept asking me repeatedly for documents that I have sent over & over to no avail! Please, I need help resolving this issue. I have money that they are holding and I have bills that I have to pay or I will be homeless.
Consumer complaint received 2023-04-11
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be repaired ASAP. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

15 U.S. Code Sec. 1601, 1602/ To Whom it may concern, I XXXX XXXX XXXX made an uninformed decision on this date XX/XX/2020 when I entered into the consumer credit transaction agreement. There was no such evidence of indebtedness, the only evidence was the agreement. So therefore the agreement is null and void. Because I made an uninformed decision because I didn't understand its meaning and it wasn't clear and conspicuous.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

This company is reporting my uncles information to my Chex systems report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my XXXX  license. He provided it to me to send to you guys. I have been a XXXX  resident for years. The license you have connected to me chex systems report is my XXXX. I have never written a check at XXXX. There are no XXXX in XXXX
Consumer complaint received 2022-11-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

Loan Company " Mr.Cooper '' aka Nationstar Mortgage LLC has repeatedly refused to terminate my escrow account on my home mortgage. Mr. Cooper demanded the escrow account as a condition of issuing a VA mortgage to me. In XXXX Mr. Cooper failed to make escrow payments on time for my property taxes. They were not paid in XXXX, causing me to lose tax deductions on my property taxes for tax year XXXX. There was also a late payment penalty for my property taxes, which was eventually paid. During XXXX Mr. Cooper has generated multiple escrow statements, seemingly randomly adjusting my monthly payments based on these constantly changing payment demands. Mr. Cooper has regularly claimed I did not meet the 80 % loan to value threshold on my property to qualify for ending the escrow account. Yet, Mr. Cooper would regularly send me documents saying I had hundreds of thousands of dollars of equity in my home and I could access those funds simply by refinancing with Mr. Cooper. On XXXX XXXX XXXX I submitted by e-mail multiple documents proving my property value was under their 80 % claim and they should release my escrow account. After more than a week I received a form letter saying that based on my original mortgage documents my home value did not qualify to remove the escrow. Mr. Cooper refused to use the documents I submitted- which included an XXXX XXXX XXXX property tax assessment, and refused to even acknowledge I sent them to Mr. Cooper. Since then Mr. Cooper customer service agents have all said a manager would call me back -none have ever called back. One agent gave me an e-mail address for " mortgage insurance '' at Mr. Cooper and said to send it to them - after a week I received an e-mail from that office saying they did not handle escrow accounts. No other information on who to contact to address the escrow account. Mr. Cooper customer service representatives have all said they were " opening an inquiry '' into why my escrow has not been cancelled, but the only response I've gotten from Mr. Cooper was a form letter on approx XX/XX/XXXX which said they had received my complaint and would look into it and get back to me in a month. The last time I received one of these letters I never received a response from Mr. Cooper. 

I understand Mr. Cooper was the subject of a previous investigation and entered into a consent decree in XXXX. I wonder if this conduct violates the consent decree?
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting At XXXX  Account # XXXX as violated my rights. 

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (IL)

Complaint : regarding cash deposit machine ( ATM ) Bank name : Old National Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Spoke to : Community Market XXXX. XXXX XXXX XXXX, VP and Relationship Banker XXXX XXXX On XX/XX/2023 i deposited the amount of {$4000.00}. in cash using the ATM locate at the above address ( ATM ID # XXXX ) but the cash deposited was not credited to my bank account. This usually takes no time to deposit the money because of all the video cameras around you but this time the money got stuck in the machine and the amount was not credited to my account.
Consumer complaint received 2023-08-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Riverview Law Office, PLLC (MN)

They have called me 11 times since XX/XX/XXXX and its every couple Days I owe them XXXX medical debt that is about 3 years old. I keep Telling Them I am low income & dont have the money. They want XXXX month
Consumer complaint received 2023-04-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In XXXX, Bank of America negligently failed to remove previous liens that were paid off by more recent mortgages. I tried for 2 to 3 months to get the bank to cooperate with getting the old liens removed because I was awarded a XXXX program award of {$50000.00} to bring my mortgage current but they notified me that supposedly I had 3 liens against my property at that time and I had to get it remedied before they would give me final approval. I had to accomplish that before 2 months. Bank of America would not respond to me. I finally got through to them by utilizing the new loan line and convincing personnel to transfer me continuously until I reached the right person who started to help me get the previous liens removed. By the time it was accomplished it was too late and due to their negligence and direct inhibiting me from accomplishing it in a timely fashion I lost the {$50000.00} XXXX award. Then I was guided into a different process by Bank of America which was significantly detrimental in its financial effects compared to the XXXX program that I was awarded and then lost due to Bank of America 's negligence. Since the inception of that modification plan I have made really no financial progress after making payments on time and consistently from XXXX to XXXX. After the bank lawsuits and the Colorado Attorney General received money to these matters which involved direct wrongdoing also with Bank of America such as them stopping me making payments for 13 months while being unable to speak as to why, the Attorney General merely responded to me saying they were too busy to help me. With the evidence that I provided them at the time they would have likely resolved the matter quickly and likely for the bank 's actions against me would have resulted in the bank turning over the deed of trust and canceling the mortgage. This statement is made supported by other actual cases that were on point with the circumstances that I was dealing with Bank of America at that time. Still the Attorney General of Colorado was too busy to help me. The FHA saw the issue with the liens on record that were errant on record and even told me that it was clear the old ones should not be there because they could see the more recent mortgage finance that would have automatically paid off the previous debt and released the lien. The bank has to put in for the release of lien however. The FHA rep told me with this so clear they should have honored the XXXX program whether they were cleared before or after the two month period. There are several more facts that play into this situation which demonstrate and establish fraud and wrongdoing. This is the initial point of entry with a very specific identifiable damages and outcomes due to the negligent actions by Bank of America which is provable as a matter of the records by XXXX, FHA, Colorado Attorney General, Bank of American and now XXXXXXXX XXXX
Consumer complaint received 2022-09-03
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. (MD)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-10
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. (CA)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
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. (MA)

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 2023-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a letter via XXXX  stating that this was final notice and I would be sued if not paid. I have never received a letter concerning this debt and don't understand how this is final notice. 

I am requesting a debt validation from this collection and also the appropriate collection laws to be followed and not threatening letters in the mail.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (NH)

( See complaint : XXXX, which remains unacknowledged by Experian as of XXXX XX/XX/ XXXX  ) I have discovered multiple unrecognised and unauthorised enquiries on my personal credit file. Experian has not responded to three requests for additional information about this access, and specifically, identification of the 'permissible purpose ', required by law. 

Copies of my requests for the required information from Experian have been uploaded, the most recent of which was sent by Certified United States Mail. Proof of delivery ( signature ) is included. 

These mail requests were sent to Experian on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I have been a US Bank valued customer since XXXX in good standing. XX/XX/XXXX I decided to close my checking account by calling US Bank customer service hotline. The customer service representative confirmed I did not have any pending transaction on my account and I can proceed with account closing. The representative also mentioned that the balance on the checking account will be mailed to me in the form of a check.

30-40 days after I successfully closed my account with US Bank and received balance amount by mail I received also a letter from US Bank stating that I owe US Bank {$92.00}.

The matter is customer service representative violated account closing policy by not verifying that there was a pending transaction. Instead, by verifying that there is a {$92.00} pending transaction I supposed have not been granted permission to close the account for up to 180 days according to the US Bank account policy and regulations till all pending credit or debit transactions are posted on my account.

Once I received the letter stating I owe {$92.00} to US Bank I called US Bank Recovery department at XXXX and paid the balance in full right away without disputing it. I thought I took care of the issue. However, on XXXX I applied for XXXX XXXX XXXX checking and savings accounts and was denied service based on the information on my XXXX report. 
I requested a copy of the report and I see that US Bank reported that I ABUSED my US Bank checking account on XX/XX/XXXX. I contacted US Bank Recovery department to get the explanation how and in what way i have ever abused my checking account. No explanation was provided. XXXX- representative, FAILED to confirm and explain I have ABUSED the account. 
Instead, they stated US Bank closed the account because the balance went negative - {$92.00} on XXXX. It does not make sense. Since I, as a consumer, requested to close my account sometime end of XX/XX/XXXX. 

The bank representatives do not treat me with fair practices. I was provided with US Bank Recovery department supervisor name and the phone number to resolve the issue. I have been calling XXXX twice a day during regular working hours for the last 5 days in a row and leaving XXXX ( supervisor - ext. XXXX ) voicemails every single time. I was not able to get hold of her and she never ever called me back after receiving of total 10 voice massages from me.
Consumer complaint received 2023-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc. (FL)

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this because I, XXXX XXXX XXXX, Consumer, did not give AllianceOne Receivables Management , Inc., its executives, XXXX XXXX XXXX XXXX XXXX, or its executives written instructions or consent to communicate with XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

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 2023-10-01
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. (MA)

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 2023-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2023-10-01
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. (NV)

I acquired my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) XXXX XXXX XXXX XXXX XXXX is reporting this account as opened on XX/XX/ The date open is not correct date last active is not correct on all three credit reports, Which is a violation! 

This is impacting me from moving forward to buying a house for my family THIS IS A VIOLATION OF 15 U.S. CODE 1681i ( 5 ) REMOVAL OF INACCURATE / INVALIDATED CREDIT INFORMATION. PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.