davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My problem is with Experian. They continue to list a closed account ( which I have been making regular payments on ) as part of my revolving credit card debt. Because they only list the amount of this account as a debt, but not as available credit, it makes my ratio of debt to available credit look way too high. I brought this issue up with all three credit reporting agencies.  XXXX  and  XXXX  fixed it. Despite numerous times trying to get Experian to fix the problem it is still there. That means I have scores in the  XXXX  with the other  XXXX  agencies and a score of  XXXX  with Experian. I would like help making them understand that this closed account is not a part of my revolving credit debt. Thanks.
Consumer complaint received 2022-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CO)

Binance.us Is refusing to delete 2 crypto currency accounts created using my social security number. I have attempted to resolve this issue for 2 years to no avail. 

I have made daily communications with Binance.us account representatives and have records of them refusing to delete the accounts as well as refusing to consolidate them and allow me access.
Consumer complaint received 2024-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Hello, Deferment or forbearance exists during this period is the message I received for XX/XX/XXXX which is incorrect. I am not sure why this payment period is showing that. I did not ask or request for a deferment or for this period of time. Also, I submitted my employment verification form on XX/XX/XXXX but the eligible payment is not reflecting the processed PSLF form. I have reached out, but I have not received a response regarding this issue.
Consumer complaint received 2022-11-04
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. (FL)

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. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting XXXX  act # XXXX violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights 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.
Consumer complaint received 2023-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

I listed the property twice to sell it to pay off the lender. The first realtor didnt get any offers. The second realtor got an offer below asking and what was owed on the mortgage and proceeded to work on a short sale. The realtor was getting the runaround from Mr. Cooper. There was plenty of time to review for the short sale but Mr. Cooper wasted it. 

The rest is explained in the Notice of Errors I sent to Mr. Cooper. See attached.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied a job offer which ended up being an impersonation of a company named XXXX, they sent me a mobile check via email which I deposited into my bank account XXXX Bank of America ) which was suppose to be used to buy my equipment for this job. One was {$950.00} the other was {$1000.00}. A day after, the money showed into my account and I then was forced to XXXX 2 people who stated they would be the vendors I would " get my equipment from ''. I XXXX 2 separate times one for {$950.00} the other for {$1000.00}. After that I found out that the checks they gave me were FAKE, counterfeit and the individual I was speaking to on XXXX chat ( XXXX XXXX ) had scammed me, I tried to have these scammers send my XXXX my money back but they did not give it back. I made a claim with my bank about the counterfeit checks and submitted a claim in the XXXX Department. Both have failed to do anything to get my money back. Now I am in dire need of getting my money back because this is a very unfair way of things. The Claim number on file with the bank and XXXX is : XXXX
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

Held over XXXX dollars and after XXXX  day mailed me a check for XXXX or less. 

In XX/XX/2022 Chime decided to close my XXXX accounts by notifying with an email only I contacted Chime several time via the phone and email. Because this was a huge surprise to me, I was told I had violated a policy or something, but they would never tell me why as did several other people at chime. Chime also held all of my money for XXXX plus days and still wouldnt tell me why my accounts were closed and felt very victimized by thisI had not money to pay bills, or a checking account, But chime did not care nor were they being accountable to why they felt their actions were just.. I also still do not have access to any of my past records with Chime, which I needed for tax purposes, but Chime feels that they have rights over my records, and do not have to give them to me. It has been almost a year and I still do not know what violation I supposedly violated to justify closing my account or access to past records on the accounts. I want to know what violation and proof that I violated it. If in fact, I am fairly confident that I have not violated any policy, which I am almost XXXX percent sure I have notthat any and all negative reporting to agencies that Chime report this negative info too be completely removed! I also want to know why and I want access to ALL my pass records on the XXXX accounts. I would like to know what would be an the explanation for holding all my money for XXXX  days while knowing it was causing me major problems and affected me negatively in many ways and what would be an appropriate compensation for the banks lapse in regulationsand violated, which is public info regarding chime losing a legal law suit for just these same things you did to me, but after Chime lost. everyone knows XXXX was being sued at the time for illegally closing peoples accounts and holding funds of customers, for whatever reason and was found to be at fault for these same or similar issues. My accounts was handle in the exact same way that Chime just lost a law suit to, AFTER.So, I would like all my questions answered please, and resolved. Respectfully I sent this email today : I would like to know why you closed my account XX/XX/2022, when I asked back then I told i violated some policy, but NO ONE could tell me what that was, as well as, Chime didnt have to tell me. So again, legally I also want to know why I still do not have access to any of my past records, and why my accounts were closed without any proper notice or explanation.and then held my month for 30 days before you released it!?!? legally I have every right to my records, as well as XXXX should have access to my pass payment history of the credit boost. So what are you going to do to rectify thisI am now fully ready to move forward with XXXX to take legal action against Chime, for not following anyCFPB regulations. I have filed a complaint with the CFPB. 
Respectfully,
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-10-18
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. (TN)

I have asked this company to investigate these accounts and send me all documents /invoices originals so that I can see what I need to do next. Of course, they did the opposite
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX a scammer open a Bank of America account in my name. Said scammer then got for people to XXXX to that account. Lastly, scammer withdraw {$450.00} from a Bank of America ATM, within XXXX day. 

Bank of America did not verify the person 's identity, and allowed for the immediate withdrawal of the money from a Bank of America ATM.
Consumer complaint received 2022-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HANCOCK WHITNEY BANK (TX)

several months ago i received a card and checks from hancock whitney bank XXXX  XXXX XXXX 
i called them to dispute the account. They told me that XXXX accounts were started but the second one was stopped inhouse before it was issued. They canceled the one i called about. At that time we discussed the fact that i wanted absolutely no account with that bank, they assured me that no accounts were open and none would be oppened in my name. I contacted federal id theft and filed a complaint with them, and also notified all three credit reporting agencies and froze my credit with them. 
Today i received a bill from the bank for XXXX for checks written on an account # XXXX. 
Today I called the bank and was told that this account was the second account. The one they flagged and did not open. I contacted XXXX, they told me that they have no record of this bank on my credit report, The reason for this compliant is the bank would not tell me how to contact their fraud dept. directly. I have never had a bank honor XXXX of my checks for an amount this large without money in the account. to cover at least the first XXXX but XXXX? 
per the bank no active accounts cover large checks not connecting me to the department i asked for on the call to the bank today i spoke to XXXX call reference # XXXX Please investigate this bank and the way they issue accounts on line and help me resolve my issues with them. 
thank you XXXX XXXX thanks
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent a letter via certified mail to Experian requesting method of verification for the 4 bankruptcies # XXXX, # XXXX, # XXXX & XXXX reporting on my credit report. On XX/XX/XXXX Experian sent an auto generated response which did not address my request. In my request sent XX/XX/XXXX, I specifically requested they did not reply with the typical response and requested the exact method that was used to verify the bankruptcies. 
On XX/XX/XXXX I responded to the auto generated response with the enclosed letter and again requested the method of verification for all 4 bankruptcies. 
To this day, I have not received a response from Experian but I have obtained the enclosed copy of my dispute results for another item and as of XX/XX/XXXX, this report shows all 4 bankruptcy dispute results pending.
Consumer complaint received 2022-10-19
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. (GA)

Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX  number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. 
I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. 
if this can't be provided then I request the collection be taking off my account or I will take legal actions
Consumer complaint received 2018-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

* Dates are estimated* In  XXXX   XXXX  I made an arrangement with   XXXX   XXXX   to pay {$2400.00} as a settlement for my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   credit card.   I made three payment of {$400.00}.  XXXX  -  XXXX . In  XXXX  there was some confusion. My bank returned the original check but  XXXX  made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments.     In  XXXX   XXXX  the ACH did n't show up automatically so I tried to make a payment by phone. I was told  XXXX   XXXX  had pulled the account back and they could no longer accept payments.     In  XXXX   XXXX  I was contacted by  Portfolio Recovery  and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacted  XXXX   XXXX  but never received any additional information or closure. I also made calls to  XXXX   XXXX  who said all files were sent back to  XXXX   XXXX .     In  XXXX   XXXX  I contacted both  Portfolio Recovery  and  XXXX    XXXX  k.  Portfolio Recovery  is asking for a settlement amount of no less than {$5000.00} - greater than the original balance.  XXXX  said the payments I made to  XXXX  were not applied to my account and can not verify the settlement agreement.     I have been going back and forth with  XXXX  Bank and  Portfolio Recovery  since  XXXX   XXXX .
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Case # XXXX refers. 

WellsFargo continues to double down on their wrong Escrow account calculation in response to my enquiries. 

Please note that my monthly mortgage statements support that during XXXX, I made payments to Wells Fargo in the amount of {$18000.00}. 
Funds paid into Escrow = {$10000.00} Escrow Disbursements = {$6300.00} Instead of correcting their error or clearly explaining how the ending balance in my Escrow account for XXXX became {$1200.00}, Wells Fargo continued to send pages of irrelevant information. 
By generating false foreclosure letters to justify attorney fees and claiming they were unable to locate calls made from a branch by an employee ( XXXX ) to a Vice President dispute resolution. A fact that was confirmed in their system when I went back to the branch in XXXX. WellsFargo has again shown lack of transparency in handling my Escrow account...
Consumer complaint received 2022-11-03
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. (NY)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-01
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-03-27
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (CO)

I spoke with XXXX XXXX  and they stated to me I was never late on my mortgage and sent me a statement showing I was never late. But the XXXX XXXX XXXX is showing late payment even after sending the statement to them.