davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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 Bank XXXX XXXX XXXX Apartment 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 2020-11-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

On XX/XX/20 I was transferring through my XXXX XXXX account {$500.00} from my Chime Bank account into my own XXXX XXXX account. After doing so the money never showed up into my cash app account. I then realized my money didn't go to my own account, but instead went into another person 's account. I immediately canceled the transaction, tried to call cash app ( the number is an automated system that refers to an email ) sent a support message to cash app through their help section of the app. I received an email confirming my cancellation request. I sent a help ticket to Chime requesting a stop on the transfer. Chime said they couldn't do anything until the transaction was no longer pending. I sent 2 more messages with no response to cash app. Finally, after the transaction posted and the transfer was complete XXXX XXXX emailed me saying they know it's not the response I hoped for, but since the transaction is now complete they couldn't help me. Nevermind that the money was transferred unauthorized to a stranger 's account, nevermind I contacted them immediately, and I canceled the transaction. I requested a telephone number to speak with a person, and all they've done is email me saying they can't/wo n't help me. I filed a formal dispute through Chime and am still waiting to hear from a manager. Chime originally told me no they wouldn't help me because it wasn't completely unauthorized and that I'd have to go to cash app, but then I asked about being covered under the EFTA because I noticed the ERROR and contacted both Chime and Cash App immediately and tried everything in my power to correct it, they sent me a form to fill out. Under Regulation E the EFTA States that '' if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an XXXXFT that should have been included. '' I'm getting no help on resolving this issue. My {$500.00} is in someone else 's account, and cash app is neither reversing the transaction to my chime account or to my cash app account. Please help me. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE XXXX  AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. XXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX , XXXX  XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX, XXXX XXXX  '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (GA)

In XX/XX/2020, company known as " Exeter Finance '' charged off an account in the amount of {$15000.00} on my credit report. The company sold the vehicle to another individual and is still trying to force me to make payments. I disputed the debt through credit bureaus because I am no longer responsible for making payments on an automobile that belongs to another individual.
Consumer complaint received 2023-10-05
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: Kansas Counselors, Inc. (MO)

XXXX wrong full charged for ambulatory services I disputed chatge because I had and have medicaid which covers ambulatory services by law in the state of missouri and prior to mediciad i had XXXX XXXXXXXX XXXX percent cover 5 years prior and have had mediciad foe previous 2 ywars and still have medicaid and I uploaded the verification and dates of my medicaid by show of award letter and my ssi including issue dates which cover the date of charges i should never have been charged agyer disputed chatge and showing XXXX XXXXXXXX coverage 5 yeats prior to the charge date and mediciad coverage covering the date of original charge experience refussed to acknowledge the evidence and remive the wrong charge damaging my otherwise flawless credit report they accepted the word of kansas counselors that the charge it legit without their validation despite my valid proof I was wrong charged and the negative mark must be removed today they closed the appeal review unfairly in kansas counselors favor on XX/XX/XXXX in regards to ambulatory services provided in XX/XX/XXXX and I've been on medicaid the entire year of XXXX and XXXX by law state of Missouri medicaid covers ambulance services so they were never to charge me let alone mark a negative report to the 3 credit agencies and not be able to get it remove by any despite valid proof of wrongful charge and then to further violate my rights to fair credit reporting the reporting agencies have allowed it to remain even after evidence shown in appeal request the wrongful charge remains and has been unfairly closed against me it remains rules i favor of kansas cou selors because they say chatge is etified and valid by my evidence ce showed i should have never been charged upon appeal ita clear to see the fair thing to do after reviewing my medicaid coverage date was to remove to wro gful chatge but that fair treatment did not happen and wrong ful chatge negative mark remains as the only negative on my crdit report since i have been told the only revourse i have os to file a co plai tbere ive been left no cboice but to seek tour advocacy i am sorey to borher you with this but when I showed clear evidence to the gats stated herein it's absurd to think that even when I showed proof to these fast i was dismissed further this should have been removed from all 3 credit reporting agencies but I have been dismissed dispite showing valid proof of my claim I seek assistance to fair credit reporting and request the matter be investigated i thank you and appreciate your advocacy
Consumer complaint received 2022-11-14
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX : {$4400.00}
Consumer complaint received 2023-06-06
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. (VA)

I am asking you kindly to delete this account since this is not mine. I am quite confused and irate as they are showing this on my credit report. I am mad that they are doing this to me!
Consumer complaint received 2020-11-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2020 I previously disputed these items asking them to verify the accuracy of these accounts with proof of verification and in their response they verified the items as " Verified as Accurate, '' which implies they have verified the information with the court and medical provider. I contacted the court and their response was, they DO NOT report to them or any credit bureau or third parties. And they are implying that I signed a content form to release medical records, diagnosis, fee schedule pertaining this account. It is my believe that their original response is an error or a lie!
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I applied for a mortgage refinancing with Amerisave Mortgage Corporation XX/XX/XXXX, and was charged a {$500.00} application fee. 

I provided all requested documentation to support the application. 
I was provided with an initial closing disclosure XX/XX/XXXX. 
I made repeated requests to obtain an updated disclosure statement since rates had continued to change during the extended period. While rates had continued declining, the updated disclosure fixed the rate the same while cutting the previous lender credit offered in half. 
On XX/XX/XXXX I emailed my originator requesting updated pricing ( rates/pts ), which I received that day. I then requested updated disclosures with one of the pricing options in the table. 

On XX/XX/XXXX, 80 days after my application, I was emailed a notice from " XXXX '' stating that " we have closed your file for incompleteness or we are unable to approve you for a loan program ''. 

The email also said " Attached is a notice of declination which indicates the reason ( s ) your loan request could not be approved. '' However, there was not an attachment, there was a link to a message that said to log into my Amerisave portal account and click the link again. I followed the instruction and still could not get the explanation document. 

I called my assigned loan processor, who told me that there was an apparent underwriter 's note that indicated the application had been denied due to excessive debt to income ratio of 85.6 %. That is a completely erroneous figure. It is actually 1 - 85.6 %. I requested that a copy of the notice of declination be emailed to me, but they did not have access to the file. 

I called the customer service phone number to complain about this situation, and I was told that the case was being elevated to two supervisors ( the originator 's and processor 's ) and that I would receive a reply within 24 hours. I have not received any reply as of yet, which is beyond the 24 hours now. 

Amerisave charged {$500.00} to APPLY for a mortgage refinancing which the originator said would likely close within 45-60 days of application. After 80 days I received a denial of service without explanation, and have not been able to obtain explanation after reaching out to customer service.
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

This is related to a complaint filed against XXXX ( XXXX ) I have an account with XXXX as well as US Bank. On XX/XX/2020 I logged in to XXXX online and submitted an inter-institute-transfer to transfer a large sum ( 90 % of my all of my balance with US Bank ) from my linked US Bank to my XXXX account. On XX/XX/2020, that sum was deducted from my US Bank account and I was left with a small amount ( 10 % ) in that bank account. Not worrying much, as I thought the funds will be in XXXX account the next day or so. But till today, XX/XX/2020, funds never arrived in my XXXX account. 

I filed numerous complaints with US Bank and XXXX. Both blaming each other. But XXXX 's final analysis is US Bank erroneously sent funds to XXXX  XXXX XXXX, instead of sending to XXXX. So all US Bank needs to do is demand XXXX XXXX XXXX to return those funds as I have no account with XXXX  XXXX XXXX. So Area Director of XXXX got on phone with me to get help from US Bank, but the US Bank branch staff refused, stating that they can not help, call customer service. When we called US Bank customer service, they had no clue what number to give us. Area Director of XXXX spent pretty much all day to connect to someone at US Bank with no luck and so did I. 

And after 45 days I am without funds, without any direction.
Consumer complaint received 2023-07-14
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have recently encountered with XXXX XXXX a financial institution. I have always been timely in making payments on my account with them, and recently made a payment in advance of its due date. Despite this, the company has hastily closed my account, resulting in harm to my credit score. 

I have made attempts to rectify the situation by reaching out to XXXX and explaining the error on their part, but have yet to receive a satisfactory resolution. I would greatly appreciate any assistance you can provide in addressing this matter and ensuring that my credit score is not negatively impacted by this unfortunate mistake on the part of the company. 

Thank you for your time and consideration.
Consumer complaint received 2020-11-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

XXXX XXXX Select portfolio servicing provided a payoff statement to XXXX XXXX  of {$250000.00}. Fr debt dispute This is the money I already paid to two other servicers. 

XX/XX/XXXX sps returned the money to the title company. Without a release it was sent back XX/XX/XXXX sos sent the money to XXXX XXXX and XX/XX/XXXX received a check for {$250000.00}. from XXXXi asked them to send my proceeds directly to me Instead of the money I received a state that I now OWE {$240000.00}. 
I do not owe {$240000.00} and I dont have my {$250000.00} proceeds Sps needs to give me {$500000.00} to pay off this loan. XX/XX/XXXX notification that account Is paid in full subject to advances and pending transactions.
Consumer complaint received 2020-11-11
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. (TX)

XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow XXXX  button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XX/XX/XXXXbutton XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (CO)

Hello, I received my pandemic unemployment through US Bank Relicard. I requested a new card due to my card being lost. They sent the card to the address I requested. They then proceeded to place a fraud hold on my account without telling me. They claim it was due to a change in address. I explained I DID NOT change my address, I was out of the state taking care of an ill family member, and that is where I requested the card be sent. 

When I tried to activate my card, I received an error message. I then called the customer service line. They told me I was to send a change of address form to the fax # given, and I explained to them I have nothing to update/change. That is when the real issues began. They then proceeded to ask me for a copy of my license, which I sent four separate times. The fax # given is apparently for their offline team, so there is no way to verify the documents have been received by the appropriate people. They then proceeded top ask me for my taxes, W2s, bank statements, utilitie bill, social security card, and I even sent pictures of me with my actual face in the frame. I have now sent it a total of 4 times, and I have spoken with at least 8 people. 

I have written to the XXXX XXXX XXXX with no luck taking that route. I explained the only thing I can possibly think of for them to even have a system in place to completely leave the consumer completely out to dry, helpless, at dead end, and completely wasting frivolous amounts of time is to keep the funds that are in the locked account for immoral reasons. 

I have tried to ask for a supervisor, and have been told conflicting information with regards to that as well. One women said she was actively walking around their office looking for one, then told me she had to let me go because her supervisor was XXXX she was on the other line for so long, then she proceeded top hang up on me. 

I am at a point now that since day 1 of speaking to someone, which was XX/XX/XXXX, it has been over 15 business days. That is what I was told that even under the most extenuating circumstances would be the max, but I could expect 5 days. I told my land lord that today, XX/XX/XXXX, was the absolute latest I would have our rent to him, and US bank is yet again telling me I have to just wait for them to figure it out for us. 

Thank you again. 

I sincerely appreciate any help or anything you can do to help me navigate this.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my dissatisfaction and frustration regarding the rapid removal of a charge-off account from my credit report, despite multiple attempts to resolve the matter. 

I discovered an erroneous charge-off account listed on my credit report. Immediately upon noticing this discrepancy, I took the necessary steps to rectify the situation. I promptly contacted both the creditor and the credit reporting agencies to dispute the charge-off and provide evidence supporting my claim. 

This hasty removal has had significant negative implications for my creditworthiness and financial standing. It is imperative that such matters are handled with the utmost care and thoroughness to ensure fair and accurate reporting. 

I kindly request a thorough review of my case and a reinstatement of the charge-off account pending proper validation. With this, I am asking for your assistance to remove this account in my credit file : XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.