davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: OKCoin USA Inc. (CA)

Hello, On XX/XX/XXXX I attempted to withdraw my funds from OKCoin ( a XXXX XXXX licensed in the XXXX and based in XXXX XXXX ). I was unable to do so and received the following message after clicking " Withdraw '' on their website : " In accordance with the terms of service, we regret to inform you that we can not provide services for you. If you have any questions, please contact our customer support. '' I have since contacted customer support multiple times and they have not provided any solution. They initially said they issue was due to the fact that I was not fully " verified ''. I am now " Verified '', yet I continue to be unable to withdraw my funds. 

I have attempted to withdraw everyday since then, multiple times a day. I have also XXXX  the issue and see others have encountered the same problem. 

Would you kindly help me resolve this? We're not talking about a lot of money ( ~ {$3500.00} in value ), but it's mine, and I should be able to withdraw it. 

Many thanks in advance, XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (KS)

provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

To Whom It May Concern - I have a credit card account with Discover. I was on a three ( 3 ) month payment plan with them to cover a missed payment for XX/XX/. Their computer system self-generated a payment plan with 3 equal monthly payments. Auto-payment was set-up and first payment was made on XX/XX/XXXX. I cancelled the XX/XX/XXXX payment because I was making a full balance account payment on XX/XX/XXXX. Which was made ( 2 days after the billing cycle closed ). 

At no time during setting up that Payment Plan or Cancelling the XXXX auto-payment was I made aware by Discover that they would report my account 30 days late to the credit bureaus because of the remaining past due balance that was spread across those 3 payments. Additionally, I did not receive any email/text/phone calls alerting/notifying/warning me that my account was to be reported late ( AS THEY WOULD HAVE IF I WAS NOT ON A PAYMENT PLAN. Late payment, 15-day late emails notifying they will report ) or any mention made in my XXXX statement ( Attached ). 

The lack of correspondence, system transparency, and credit bureau reporting has resulting in a significant credit score drop that is now preventing me from obtaining a mortgage ( Please note I have never been late with Discover ). I, as a consumer, should have been notified that auto-payment cancellation ( moved by 7 days ) would result in Discover reporting my account 30 days late to the credit bureaus. Their system needs to be updated to reflect the above and protect future consumers.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (IA)

I have sent 2 certified letters requesting validation and verification of the debt they are harassing me about. We have NO contract. Their lack of response proves it. 

I was sent another harassing letter dated XX/XX/2023 after being ignored. 

They are in Default.
Consumer complaint received 2023-07-07
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Movement Mortgage LLC (PA)

Divorced and now ex spouse lawyer is trying to strong arm me into giving me 12 months credit history of my va mortgage to ex spouse mortgage company through the court. I believe this is a violation but can not seem to find law on this. Through court ex spouse has to obtain a new mortgage. Do I have to provide my credit history to her new mortgage company. ( Movement mortgage ) it has been over a year that she had to obtain a mortgage. What can I do or please point me in the right direction.
Consumer complaint received 2023-09-29
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. (OH)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared.

I demand proof of a permissible purpose for the inquiry or account within my report. This letter is a clear indication that you have not fulfilled your responsibilities adequately. If this matter is not promptly resolved, there may be serious consequences. Therefore, I am granting you a 30-day period from the date of delivery to rectify the situation and ensure that all issues are resolved without the need for further intervention or escalation. Additionally, I request tangible evidence of the actions taken and an updated copy of my credit report. The claims listed appear to be inaccurate. Therefore, I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly DELETED from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that these credit bureaus are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU SO MUCH!
Consumer complaint received 2023-07-07
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: Exeter Finance, LLC. (IL)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

XXXX has unjustly closed and permanently locked my XXXX XXXX account with no explanation other than fraud. I have never committed fraud and if I am a victim of fraud it is not right to punish me by closing my account without explanation. Also they told me I can open another account or they will permanently disable that one as well. Very wrong to treat customers like this.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NC)

I am writing to express my disappointment with the inaccurate credit reporting done by Barclays Bank. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Barclays Bank in Delaware, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Barclays Bank has not responded or taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Barclays Bank of Delaware immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Barclays Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/ the TD Bank applied two fees, {$20.00} each, to my mortgage account, following the successful resolution of outstanding mortgage balances by the government assistance fund ( HAF ) up to XX/XX/. HAF 's payment went through on XX/XX/, after the excessive validation of the loan reinstatement amount by HAF and TD bank using federally approved system, etc. The fees do not have any description associated with them and are impossible to understand. ( On a call, TD bank XXXX refused to remove/adjust the fees and told me they were for property inspection, but in that case they should have been rolled into the reinstatement figures submitted to HAF ). The fees resulted in {$40.00} shortage on my XX/XX/ mortgage payment and the payment was not applied creating the possibility for additional fees and late charges.
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (TN)

who it may concern ally financial is still showing this account is closed with a Balance .and a repo on my credit file .CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU PERMANENTLY REMOVE YOUR NEGATIVE ITEM FROM CREDIT REPORT USING MY 609 LETTERS
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have made all of my required payments it was a issue with my bank account where it would reflag or say it was insufficient funds I have screen shots if it saying it was a issue but capital one closed my account because of it I tried to show them or provide proof of what I was saying but they told me it was nothing they could do about my situation
Consumer complaint received 2023-09-07
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. (TN)

In accordance with the Fair Credit Reporting act 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 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 a account without my written instructions
Consumer complaint received 2024-03-11
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. (NV)

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 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (OK)

On XX/XX/2023, I started a balance transfer with US Bank credit card. I was transferring from XXXX credit card to US Bank. The check from US Bank was sent to XXXX XXXX XXXX XXXX PA XXXX in the amount of {$1900.00}, check number XXXX. Apparently XXXX 's ( old address XXXX XXXX XXXX XXXX PA, now XXXX ) no longer represents XXXX. The check has my name and account number on it that was sent to XXXX. Now that address belongs to XXXX, instead of aeeing XXXX XXXX, does not have an account with then, also seeing there is an account number and name on the check, they decided to cash the check frim US Bank meant for a balance transfer I have called several times with no real answers other than pointing fingers. The {$1900.00} is still showing on my XXXX card but is also showing on my US Bank card. 
I need the money back from XXXX in the amount of {$1900.00} or sent to US.Bank.
Consumer complaint received 2023-09-07
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. (CA)

In accordance with the Fair Credit Reporting Act the list accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX acct XXXX # XXXX, XXXX acct XXXX # XXXX, XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX acct : # XXXX. Personal information : Incorrect addresses XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

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

U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.l
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was having account with this bank and I have credit card my account inf someone used it and the account awas someone stole money I did fraud claim for the money the make my account overdue and they said they can't help my get my money back
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

So I have 2 checking accounts with Bank Of America. Bank Of America toke money out of one of my checking accounts and placed it into my other checking account without my permission. They then said they will not give me my money back.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We received a {$40000.00} check from our mortgage company on Tuesday XXXX XXXX XXXX 

We deposited the check on the same day in the afternoon with a teller at a bank branch, and we were told that the funds should be available the next day. 

We got an email that night confirming that a hold had been put on the check for the full amount because " check specific information indicates item may be returned ''. The email also confirmed that our funds would not be available until XXXX XXXX XXXX XXXX XXXX 

We called the bank the next morning, and we were told there was nothing they could do. We asked to speak to a supervisor, and asked if we could at least have access to some of the funds, and after a long hold, he told us there is nothing he could do. 

The hold seems excessive, and the bank tellers should be instructed to give more details about the possible hold.
Consumer complaint received 2023-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Real Time Group, Inc. (IL)

sometime around XXXX they bought my 2nd mortgage from wells fargo they hold deed to my house - cant refinance or sell without them taking my home. 
XXXX XXXX was trying to foreclose on my home and I had to hire a lawyer to stop proceedings- they said they would refinance with new company so I had a new loan. Paid on it for years and then found out they had deed on my house- they dont show up on my credit report. they are just lurking in the background waiting for me to pay more on my house and then take it.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (TX)

I'm in the process of buying my first home and I went to review my XXXX Report with Experian to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccuracies actively being reported by XXXX XXXX account XXXX XXXX. These inaccuracies are a SERIOUS violation of my rights as a consumer. The alleged account has already been Charged-off and a XXXX should've been filed and reported with the IRS by XXXX. I never received a copy of this XXXX. Instead, XXXX XXXX XXXX trying to illegally collect on an alleged debt that has already been satisfied. This a a clear violation of my rights as a consumer. XXXX XXXX XXXX ( b ) Compliance and Procedures states : ( 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. 
I demanded to see verifiable proof ( i.e. an original consumer contract with my name on it ) that Experian, XXXX, or XXXX had on file for the account listed below or a Certification from the creditor that certified the accuracy and completeness of the information/account. I received nothing. Instead, Experian responded back by updating my account to XXXX status, which is a further violation of my rights as a XXXX. XXXX XXXX XXXX Responsibilities of furnishers of Information to Consumer Reporting Agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors. 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. Duty : a moral or legal obligation XXXX : correct in all details ; exact PROHITIBION : a law or regulation forbidding something. As Defined by the IRS Even if XXXX XXXX XXXX a Form XXXX, the law compels them to report cancelled debt as gross income on their tax returns. The IRS clearly defines a CHARGEOFF as Gross or Ordinary income. INCOME CAN NOT LEGALLY BE REPORTED ON THE CONSUMER REPORT, which in fact makes their continued reporting of this account inaccurate! My rights as a consumer are being violated and my character is being defamed. Therefore I demand that this account be permanently DELETED from my Experian, XXXX, and XXXX XXXX Report immediately!
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NM)

Chime ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  gave me notice that it was closing my checking account I had with them effective the same day on XX/XX/XXXX via email. The email stated : " Once your Chime Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/XXXX to the address we have on file for you. ". On the date of closure, XX/XX/XXXX, I had a balance of {$1000.00} in the account. I have not seen that check since, despite repeated emails asking why I have not received my check. The latest email response from Chime dated XX/XX/XXXX states that " Your account has been closed by Chime and is not eligible for a refund. ". 
This is simple theft. I have tried repeatedly to acquire legal assistance in recovering the funds, but have had very little luck with getting attorneys to respond to me.