davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (NC)

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 # 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 2022-11-11
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. (PA)

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Credit Limit {$400.00} Pay Status Paid, Closed ; in accordance with the Fair Credit Reporting act XXXX Account # 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 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I noticed outdated and incorrect information on my consumer report recently. I was doing some financial " house cleaning '' and realized I had old addresses, misspelled middle names, incorrect last names, and incorrect placement of my names. I called the experian fraud department to dispute this along with some fraudulent inquiries and the representative on the phone did not allow me to have MY information updated. I was told that there would be an " investigation ''. But when it came back I was told that everything had been " verified '' as accurate and complete. Well that has to be impossible because ; 1, my information was used to verify " ME '' without " ME! '' ( identity theft ) and also, it has caused financial damages to my being able to afford opportunities to live in better areas and my personal character and credibility has suffered because of this inaccurate information.
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX XXXX Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-09-14
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. (OK)

I have a letter from XXXX XXXX that shows we never missed a payment. Our mortgage was bought out and it shows past due, past due amount {$0.00}. This is effecting our new lending process. This has been attempted to be fixed through XXXX, XXXX and experian.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I the consumer have an account with Capital One and currently Capital one is reporting negative derogatory information/ late payments/ adverse items on my credit report to all XXXX credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX ) from the past and presently. I as the consumer have the right to protect my private information and ensure that it is not being shared, which also aligns with 15 USC, which 6801 states that it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Capital One is a financial institution under title 15 U.S.C. 1681b ( a ) reads in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. Also, Privacy Act of 1974 also known as 5 U.S.C. 552a ( b ) states Conditions of Disclosure - No agency shall disclose any record which is contained on a system or records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. There was no written request from me the consumer to Capital One. Also, 15 U.S.C. 1681c ( a ) ( 5 ) says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account and the multiple marks are being reported are adverse items, and it is being reported without my permission or consent, which is against the law. 
As of today XX/XX/XXXX, per the FCRA as a federally protected consumer Im now opting out and rescinding of all authorization I the consumer may have given Capital One : written/unwritten, verbal/nonverbal this is effective immediately and indefinitely on reporting all my private nonpublic information per 15 USC 6801 & 15 USC 6805 effective immediately and indefinitely Lastly, per 15 usc 6802 I lawfully opt out.
Consumer complaint received 2024-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (KY)

On XXXX using WePay, I requested payment for XXXX invoices for work performed totaling {$26000.00}. All XXXX invoices were sent to one customer, due to performing work in a mobile home park. Each invoice was for a different lot. which is labeled on the individual invoices. Wepay believes that my transactions are to high risk to release my funds to me or refund my customer. If i am a high risk, why not release the funds strait back to the customer that made the payment?????? 
Customer made payment through WePay. 
XXXX days later WePay notified me through e-mail that they cancelled my withdrawal of the money and the funds were added back to my balance. Then they said they closed my account. 
They said they were holding my money for another XXXX days then there would be another review. 
On the XXXX day I emailed WePay and they responded back that they will not be releasing the funds held in reserve. It also said that the account will remain closed and they will continue to hold the money. 
WePay by JP Morgan will not provide a telephone number or address. They only respond by email. Everything is robotic. They will not go into any detail. I can not get any information explaining why they are holding my hard earned money.
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CT)

I attached a statement that covers the problem. It is a long and involved issue that spans over 12 years. Currently, as in all along, the bank is again acting illegally in shortening my redemption period and refusing to fix the mistake. Eights months from XX/XX/XXXX, is XX/XX/XXXX, and the bank has shortened that to XX/XX/XXXX. Which is less than the full 8 months required. See attached form received from PNC 's attorney 's. Furthermore, they did not send a certified copy to the home address they have on file for me. I received the copy at the WA home, but they are required to also send a copy to my current address on file. WA State XXXX XXXX explains that the extra 6 months of redemption period will be granted for not properly executing the redemption period notice. 

Further information and all proof of my statements are in the court filings over the years. These filings are all published on XXXX. If you XXXX search my name, you will be able to see all the filings.
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: LD Holdings Group, LLC (FL)

Received letter from LOAN DEPOT which I never used .... that there was a data breach... 
someone has tried with XXXX auto loan companies to buy a car... 
I had them removed from my credit file in XXXX I have a freeze on my consumer credit reports... 

LoanDepot obviously sent me this letter because they have my information ....
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

This account was closed on XX/XX/22 and a representative waived my outstanding balance ( the annual fee ), but failed to remove it from my account and reported the amount as overdue to credit agencies. It still shows as overdue and my credit score has been negatively impacted.
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

on XX/XX/2020 I initiated a deposit INTO Coinbase from my bank account. My bank statement says : - {$200.00} to merchant COINBASE. 
When I go on the app it seems there is no history of me depositing the money nor has it arrived yet. 
Every time I try to open a case they close it immediately.
Consumer complaint received 2022-11-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$100.00}
Consumer complaint received 2023-12-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (NC)

I applied for and was approved for the XXXX program. Once I finished everything required of me, they just disappeared and I couldn't get in touch with anyone. They were supposed to help pay my arrears. I lost my job and couldn't find another one because of the pandemic. I filed for bankruptcy and once I had a job, I made payments until I lost that job because I worked for the bank that the FDIC shut down ( XXXX XXXXXXXX XXXX  ). I haven't found a job since then. I just need help. Selene keeps charging me fees that aren't necessary, a {$220.00} yard service fee monthly and a {$20.00} home appraisal fee each month. It's ridiculous.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I noticed my date of birth was incorrect on my credit report. I sent a picture of my XXXX XXXX ID to equifax. They determined that my ID was wrong and that the " information '' they had was correct. Basically ignoring any evidence and/or simply not interested enough to even look at any evidence.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

A writ of garnishment was issued on my joint checking account on XX/XX/XXXX. There was no notification of the write from the bank or the attorney to myself or the other person on the account. All funds that were in the account on XX/XX/XXXX were withdrew and the account showed a negative of the exact amount that was present before the garnishment. The bank was then contacted the same day and an attorneys number and a case number was provided, however the attorneys company was closed so they were then contacted on XXXX. When questioned the attorney stated they had the wrong person and issued a writ of release/quash of the garnishment that day ( XX/XX/XXXX ). They faxed and emailed the Key Bank the legal documentation. Nothing changed in the account so the following day XX/XX/XXXX the attorney was then contacted again, in which they directly emailed the documentation to us, which was then sent directly to the branch. The branch then faxed the legal documents at XXXX to their legal department and were told immediate action will be taken. At XXXX the branch was approached directly and the banking representative that was assisting when the incident was first looked into ended up on the phone for XXXX minutes, the current branch manger then stepped in and reported there was nothing they could do although they had the legal documentation in the hands that stated the funds should be released.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (PA)

I received an email this morning stating I have a new checking account through M & T bank. It is an M & T EZ Choice Checking account ending in XXXX. This was not opened by me. I have called M & T and they shut the account down immediately. They will be sending me information on how to protect my identity since it was compromised. I have also reached out to XXXX and froze my credit report. There are checks on the way that I will not be charged for as well as debit card that I am to destroy as soon as I receive it.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I ordered a laptop and shoes from XXXX XXXX they shipped separate. The product was cheap and not up to par. I returned everything and they kept trying to charge me for the shoes I called and told them I have returned everything why am I being charged and could not get a answer instead they closed my account with them and sent it to a debt collector. For XXXX for a 80 pair of Shoes that were returned. I cant seem to get anyone to solve this
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX at roughly XXXX XXXX I deposited {$320.00} into a XXXX XXXX XXXX XXXX XXXX atm, which is listed as a co-OP of Navy federal credit union. The machine stated that this transaction can not be completed at this time. It then returned my card, but it kept my money. I immediately called Navy Federal to file a report. They informed me that they would initiate an investigation which could take 45 days to complete, but also that in 10 days a provisional credit would be given to my account. I also went to XXXX XXXX XXXX the very next morning to see if they would take action, however I was told that since I didn't have an account with them I had to file a claim with NFCU. Finally on XX/XX/XXXX the provisional credit was credited to my account only to be reversed 4 days later. Upon there investigation, Navy federal says that XXXX XXXX  XXXX claims there was no overages on that day. I would like them to pull the video surveillance from that evening. Furthermore I would like to know if that atm had been serviced shortly after my deposit. I am livid at this point and I keep thinking about what if it were a larger deposit. I don't think Navy Federal did all they could do to get to the bottom of this and I am considering switching to another credit union.
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

BEEN FAXING LOAN MODIFICAITON SINCE XXXX WELLSFARGO ALWAYS LIES! HAVE PROFF OF 30 PLUS FAXES. THE WORST UN-ETHICAL, XXXX, UN-PROFESSIONAL, LYING BANK! HAVE PROFF, NEED THE NEW IRS FROM XXXX SEE BLANK FORM INCLOSED ) WAS SENT. NEED TO PUT IN FEDERAL COURT FOR VIOLATIONS AND ESPECIALY THE FDCPA ACT!
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I was banking with chime {$5000.00} plus dollars came up missing out of my checking account ask repeatedly for help an statements! Next they closed my account .I up loaded XXXX XXXX XXXX so they can see it was not me an still no help or investigation.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I filed a dispute with my bank TD bank. They denied my first dispute within XXXX hours even with a police report and then i had to open a new claim again about XXXX more times with the police report updated and supplemental information added. I sent them a copy of the new phone purchase and the fact that I am a victim of theft. The transactions in question are fraud and I want them to do their job and please investigate the transactions throughly. They still have not issued a provisional credit with all the proof I sent them. My life has been turned upside down because of this and I have a family to look after. Please!
Consumer complaint received 2022-09-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX XXXX XXXX  several times via mail and through the Consumer Finance and the company does not provide the proof and the investigation needed to have this fraudulent account posted to my credit report on all credit reporting agencies. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I recently filed a complaint on this company about a few months ago. They company stated that the XXXX told them they made repairs. The XXXX  lied and said they did. Upon moving out, we had an agreement because I stopped paying the rent due to them not making repairs. They agreed if I moved out, they were not going to repot to collections because I didnt have to pay anything. I moved to XXXX not knowing they repotted me anyway. I was turned down because of them. If I wouldve known they reported me, I wouldnt attempt to apply for another place. Not only that, I cant even become a XXXX XXXX. They are ruining my whole career because they lied. I called the XXXX and asked them why they lied. They hung up on me and now they not even taking my calls. I really need a place for me and my grand babies snd now I have to XXXX XXXX XXXX XXXX XXXX. I have a whole XXXX XXXX in XXXX XXXX and I cant use it because of their lies. Im feel like the deceived me. I took their word instead of taking them to court. If this font come off my credit I have to go all the way back to XXXX XXXX  to file a lawsuit. Im in a whole different city and state and living with different people.
Consumer complaint received 2019-12-07
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. (MI)

checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX/XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX Automotive Finance XXXX XX/XX/XXXX XX/XX/XXXX