davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

Hello, My mortgage loan was sold to lender Selene Finance back in XXXX. Selene claims that I am one month behind. This is not the case. I have been in chapter XXXX bankruptcy since XXXX of XXXX. Since XX/XX/XXXX I have not missed any payments. Bankruptcy trustee has also completed all the payments agreed upon and does not owe anything to Selene or past lender. 

XX/XX/XXXX My attorney emailed Selene Finance XX/XX/XXXX and attached all proof of payments for last 3 years. There is a ledger showing payments made, dates, confirmation numbers and amounts. Also attached was bank statements for every month starting XX/XX/XXXX showing the withdraws made by lender. 

XX/XX/XXXX I called and confirmed with agent XXXX that they received the email. She said it would take them up to 30 days to reconcile account. I asked if I could have contact information of the team or person reviewing my case and was told they do not take calls or emails from customers. She also said I would be receiving a letter from the team confirming my attorney 's email request. I never received anything and neither did my attorney. 

XX/XX/XXXX called spoke with another agent and she said they were still working on the issue. I asked about the letter that I was supposed to receive and she had no answers for me just confirmed my mailing address. 

XX/XX/XXXX called and spoke with another agent XXXX. He said they still haven't made any changes. He couldn't get any supervisor on the phone but submitted a request for a call back. He said I would get a call back 24-48 hours. He also emailed bankruptcy team with all the grievances that no one has responded to my inquiries that it has been almost a month and nothing. 

XX/XX/XXXX Called again and spoke with agent XXXX and he said he didn't see any requests to speak with a supervisor and that no one was available to speak with me. But that they are still reviewing my case and that its only been since last Friday. I let the agent know that it was incorrect that they had my case since XX/XX/XXXX. I told him that I have had zero response regarding my grievance for a month now and he told me there is nothing he could do. I asked who I could speak with he said I could leave a voicemail with a supervisor ( which I did ). I asked if I could speak with bankruptcy team and he said they do not take calls. 

Every time I called I was on the phone 1-2 hours getting the runaround. No one is calling me back. No correspondence of any kind. No end in sight. I gave them everything needed to fix their internal error and they still haven't. This is unacceptable. This has added great stress to my family. How can they miss-place a payment? They had a month to correct this. I have called and called and zero answers. 

Please help!
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 a 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

spoke to reprensative at this collection agency XXXX. last spoke with XXXX XXXX XXXX on XX/XX/XXXX. I have informed company that this debt is not mine, it was under a name AA, with whom I have no association nor do I know how they accessed my information whether it be ID or social security fraud/impersonation. I received a letter from XXXX XXXX stating that this should be erased from my file and accross the XXXX major credit reporting agencies. I have also reached out to XXXX XXXX ( last contact being today XX/XX/XXXX ) regarding this fraud and it still remains on my credit file negatively impacting my credit report and my ability to apply for a mortgage.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX  ; account 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (CO)

XX/XX/XXXX - Key Bank was deducted funds from our checking account and the description said XXXX XXXX XXXX ; however, the funds were not applied to our commercial loan but to another customer 's loan. Once identified, these deducting and applications to another loan has been occurring since XXXX, XXXX in the amount of {$4500.00}. Key Bank said they were working on contacting the other customer prior to refunding our money. We received {$4500.00} on XX/XX/XXXX. Our calculations indicated the amount missing is {$5800.00} ; which they state they are reviewing.
Consumer complaint received 2023-07-24
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. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name XXXX XXXX, Account # XXXX Account Name XXXX, Account # XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 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 2023-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CEX.IO CORP. (MA)

I registered at a cryptocurrency exchange cex.io back in XXXX. Used it sparingly. Upgraded to their Address verification level with an ability to deposit and withdraw both XXXX and XXXX currency up to {$10000.00} daily. 

In XXXX I initiated a verification process to get upgraded to their Enhanced level of verificationwithout any daily deposit and withdrawal limits. 
Throughoutthe process I provided cex.io with my tax income documents ( IRS XXXX XXXX ), proof of income, and all the documents they asked for. Communication was conducted with cex.io via email. I must note that at some points they didn't respond to my emails and I had to wait for their replies for months. 

After they received all the documents proving my income they asked me to provide " screenshotof the withdrawal destination platform showing owner ship of that wallet. '' for transactions dated back in XXXX. 
I find it unreasonable to require this kind of information for these reasons : XXXX. Transactions are old. I upgraded to Address verification level after those transactions took place. So why cex.io is looking at the old transactions whichpassed the previous verifications? 
XXXX. I have no access to destination wallets, since they were not mine. Even if they were mine, why am I required to take their screenshots and share with someone? That is unsafe practice. 
XXXX. I don't have to remember who I send coins to or who sends coins to me. 

A cex.io customer support representative wrote that they had to comply with regulators. They didn't mentionany regulator 's name or a source of information where such regulations are defined. 

I decided to cancel the Enhanced verification and withdraw my XXXX XXXX to my XXXX. However, I found out that cex.io has locked my funds without any notification. 
I XXXX twice asking to unlock my coins, but receivedno any reaction. 
I XXXX on XX/XX/XXXX demanding to unlock their illegal hold, but receivedno any reaction.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-05
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (AL)

I have a police report with the responding officers badge number and he said he would appear on my behalf if the matter went to court. I also have submitted the cancelation paper from the hotel. Chime refuses to refund me my money even though I did not stay at the hotel. I feel like Im being picked on because Im a young XXXX American and a minority in America. I have the same rights as any race or human being in America. I have been under tremendous amounts of stress cause they have robbed me of constitutional rights and mental safety concerning these business and took money I worked hard for. I have a child I have to support and this has a caused a domino affect in my life. These companies should not be able to just take any law abiding citizens money. I will take this to whoever I must to be heard. XXXX lives matter.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (PA)

Instead of protecting me and my account the company continued to allow the people use of the accounts and then subsequently kept all of my money and closed the account and provided no information to me the owner of the accounts
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S.C 1681 I did not authorize anyone employed by these companies to make any inquiry and view my credit. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 15 U.S.C 1681 Section604 A Section2- it also states a consumers Reporting Agency can not Furnish a account without my written instructions XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Requested On XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX Via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 
PERMISSIBLE PURPOSE : CREDIT TRANSACTION Requested On XXXX
Consumer complaint received 2023-04-19
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. (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 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 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 2023-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

DESPITE MY CONTINUOUS EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Reporting in Equifax 1. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

Reporting in XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

Reporting in XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America processed a fraudulent online application for a new credit card using my stolen identity. I found out because XXXX notified me about new inquiries on my credit ratings. I also received an email from XXXX XXXX ( BOA ) telling me that there had been a change in my credit report. 

XX/XX/23 I emailed security @ bankofamerica asking for details quoting my rights according to the FACT Act and they ignored me. I emailed them 3 times and only when I informed them that I would submit a complaint to CFPB did I receive a phone call XX/XX/23 from XXXX XXXX advising me to phone the Fraud Application Dept at XXXX. He gave me the fraudulent claim number XXXX XXXX dated XX/XX/23. 

XXXX transferred me to XXXX, XXXX transferred me to ( sounded like XXXX ) who hung up on me.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been made aware that Bank of America continues to violate my consumer rights excessively! I have had multiple encounters with Bank of America and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. Bank of America has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

TransUnion is reporting inaccurate information on my credit profile I've asked TransUnion to do a full investigation into this fraudulent account and delete it immediately however TransUnion is continuing to report fraudulent information on my credit profile with no explanation of the investagation
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

Until recently I had XXXX XXXX XXXX, I pay my policy in full every six months and two months into my new policy I noticed a collections company reporting on my account. I spoke with XXXX and they assured me it was a clarical error. 
I challenged the error with all three credit bureau and all of the except for XXXX have corrected the issue.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (NV)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (TX)

I am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. 

Please see my attached disputes previously sent to Experian and help me get these resolved. 

XXXX XXXX XXXX - Multiple variances and inaccuracies as noted below : Date of Last Activity : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. Date Reported : XXXX showsXXXX, Experian showsXXXX, XXXX showsXXXX Date Opened XXXX XXXX showsXXXX Experian showsXXXX but XXXX shows XX/XX/XXXX. Account status : XXXX shows opened, experian and XXXX show closed. 

See attached for more information on this account but it is inaccurate and needs to be deleted from my credit profile, much less, I have no idea what this is and if it truly belongs to me because XXXX hasn't proven it. 

XXXX XXXX XXXX XXXXXXXX - this is a HIPAA violation plus I have no idea who this is and if I truly owe this. I did not give XXXXXXXX XXXX permission to share my information with anyone. Plus they are reporting several inaccurcies : Date of Last Activity : XXXX showsXXXX Experian Shows XX/XX/XXXX XXXX shows XX/XX/XXXX. Date Reported : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Date Opened : XXXX showsXXXX, Experian shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 

These are clear violations of Metro 2 standards. Please help me get these removed from my credit reports.