davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
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. (VA)

In accordance with the In accordance with the fair credit reporting act The list of accounts below has violated My federally protected consumer rights To privacy and confidentiality XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  account # 2024 has violated my rights XXXX & XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX Now account XXXX XXXX XXXX U.S.C XXXX Section XXXX A States I have a right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (GA)

XXXXcurrent i have reached out to both the company and all 3 credit bureaus. i would like to file a complaint regarding the reporting of United Auto last delinquency date of XX/XX/XXXX instead of XX/XX/XXXX when the repossession occurred. 
This is being reported to XXXX and XXXX per the credit report. since its been reporting wrong i would like it removed
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NY)

have an open account with PNC bank and i want to close this account but i tried 10 times to get in contact with someone to close this and they make it impossible to get to someone. after 50 min they pick up and tell you that you need a different department and they keep switching you back and forth and they keep charging me overdraft since there is a monthly charge on the account. 

Please just help me closed this account.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX at XXXX I was in the middle of depositing a check at an atm. Near the end of the transaction the screen informed me that the funds would be available on XX/XX/XXXX. Thats a XXXX day hold. Immediately I pressed cancel on the keypad rather than continue on the screen. That did nothing to cancel the transaction. The screen had NO OTHER option other than continue. So I requested bank personnel to assist me. They came over to the atm, listened, and offered no way cancel the transaction other than to wait with me to see if me hitting the keypad cancel button would cancel the transaction. Without me touching continue the screen advanced and deposited my check. Bank personnel informed me they could do nothing. They said I should call the phone number on the bank of the atm card. I did. After XXXX minutes on hold I was informed that the service representative could not help me so she transferred me to a senior level customer service department. I was informed that it would be a XXXX minute wait. XXXX minutes. 

The bank is Chase. The branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, IL The check amount is {$15000.00} The issuing institution is XXXX. 
The fund is the XXXX XXXX XXXX XXXX. 
The check writer is my father, XXXX XXXX. 

My complaint is that 1 ) I should have been given the choice to cancel my transaction after learning about the XXXX day hold 2 ) a XXXX day hold in this modern era is an entirely unreasonably long period of time. A long hold when the issuing institution is XXXX, or any other respected institution, is also uncalled for. I used to be a teller. I remember phoning institutions in order to verify funds availability. That was 35+ years ago. This issue is not new. We had a solution for it but it seems Chase can no longer serve its customers in this way. 
3 ) a 60+ minute hold time is unreasonable when I simply want my check back. 
4 ) I fully expect that Chase will refuse to return my check.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CA)

On XX/XX/2021 Discover Bank closed my savings account containing a balance of {$10000.00}. They provided no reason on why they closed my account. 
After contacting them several times regarding returning my {$10000.00} back to me they are telling me that it will take 60 to 90 days before they send a check back to me.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. Transunion violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On Monday XX/XX/2021 my Coinbase account was hacked and all my cryptocurrency was stolen. The hacker got into my account, converted some small crypto to bitcoin and together with the bitcoin i already had in the same Coinbase account It was transferred to a hacker Coinbase pro account he created. I called and emailed Coinbase. They said they can't do anything about it and can't recover anything. They have the transaction IDs and can see how the money was transferred and where did if it go. This is done under their watch on their platform. This is ridicules, I did not do anything wrong. What kind of security and bad customer service they have? They don't do anything for their customers to protect funds. I have had about approximately $ XXXX {$180000.00} stolen. Also, there was a sim swap on my XXXX XXXX account again without my consent where the phone was in my possession. I called XXXX XXXX, and they said they can't do anything either. XXXX XXXX was very unprofessional and didn't want to admit they screwed up. I want to file a complaint about Coinbase inc. and a complaint on XXXX wireless for lack of responsiveness to help and recover or reimburse the funds. That's why they have insurance, don't they? Neither Coinbase inc. nor XXXX XXXX wanted to take responsibility nor helping me. XXXX XXXX should have not let someone other than me to do a sim swap!! Especially if the new XXXX XXXX XXXX XXXX I received a week ago, phone is in my possession. What kind of security and protection do they have? They are both to blame and should reimburse me for the losses. I lost $ XXXX {$180000.00} - it went to {$0.00} and all my savings are gone!
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Why Bank of America and XXXX keep lying about what type of Loan this is? They keep reporting this is a Conventional Loan, knowing this is a XXXX XXXX. We built house in XXXX, XXXX finance. Loan was refinance one time in XXXX with BOA refinance for {$10000.00} dollar for remodeling. CFPB claim no # that was reported XXXX XXXX with BOA and XXXX XXXX. XXXX, XXXX, XXXX XXXX, they are lying about this is a Conventional Loan? This loan has XXXX Loan no # and XXXX FHA no #. We have never miss a Loan payment. This complaint is about Bank XXXX. BOA have a mortgage scan and it need to be investigated. Have them produce payment history starting XXXX We never had a Partial Claim. Our payment is {$1300.00}. We live here almost XXXX years we owe more on house now than when we built it. XXXX put {$400000.00} insurance on house cost {$3700.00} with the {$2600.00} we already had. Which made a total of {$6300.00} paid. Taxes not paid lien on the house. Have BOA show the payment history for XXXX, XXXX, XXXX, XXXX of XXXX ( XX/XX/XXXX someone from BOA call and said they wanted my husband to sign authorization to speak to me. That there is not a XXXX party on the loan. I inform her that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on the Deed. That XXXX XXXX XXXX is on the mortgage. I told her XXXX XXXX she call and said I need in writing authorization from my husband. I sent it over she said it wasn't his signature he sent another. She said she was setting up a security sight to communicate with us. It was through XXXX XXXX. We never heard from again. Later my husband signature showed up on a Subordinate deed document It was the last page only his signature. We never heard from her again, until XX/XX/XXXX. She call and said she was sending a form for us to sign. I told her we were not going to sign anything. I told her what happen before. She got mad and Close all Bank America claim from CFPB stating no 3rd party on the loan. ( We are not going to sign any documents from Bank America ) If they don't process these Complaints due to my name not on Loan I will go to Dept of Justice. My husband XXXX XXXX XXXX give me his wife XXXX XXXX XXXX XXXX on his behalf
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

This letter is a formal complaint that you are reporting failing to comply to 15 USC 1692 ( g ) inaccurate and incomplete credit information.

I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 1.FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. FDCPA Sec 807 Misleading False Reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name : XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef Account name XXXX  Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

The closing date for the XXXX XXXX mortgage was XX/XX/XXXX for loan # XXXX. At the time of closing {$2100.00} for six months of prepaid property taxes was collected. The amount was not credited to the account which is administered by LoanCare. I advised XXXX XXXX on XX/XX/XXXX and escrow ticket # XXXX was opened to address the issue. On XX/XX/XXXX I received an escrow statement showing a short fall in the escrow account because the lender failed to apply the collected funds. I have contacted XXXX XXXX and LoanCare several times and provided documentation ; however they have refused to resolve the issue. I contacted the settlement company, XXXX  XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX XXXX confirmed the tax funds were collected at the time of closing and the funds were remitted to XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX and LoanCare have not yet applied the funds. Instead, the XXXX escrow payment has been raised from {$330.00} to {$490.00} per month to cover the shortfall when there should be an excess of {$780.00} in the account.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I was affected by XXXX and was sick for months. When i was strong enough I notified my creditors and they worked with me except for the company XXXX - they have foreign customer service who is only interested in collections and they do not help nor answer questions they give you the run around its a hassle and they lie to you i have asked or Americans, i have asked for supervisors they are all incompetent and they are ruining my life I WANT TO MAKE ABSOLUTELY CLEAR I AM PERFECTLY CABABLE OF PAYING MY BILL NOW THAT I AM HOME, I LOST ALOT OF MY LIFE TO XXXX AND STILL CAN NOT WALK BUT AM XXXX FROM XXXX, SO IT IS NOT THAT I CAN NOT PAY IT IS THAT THEY HAVE TO REMOVE HTE NEGATIVE REMARKS THEY POSTED EVEN THOUGH THEY KNEW I WAS IN XXXX .... i am only XXXX no way should this company even exist if they are not following the rules. i provided them with the USA CREDIT CARE ACT under the XXXX XXXX  protection and this company has don't nothing but ignore it and has been notifying my credit bureau of negs when under cares act if i was on time before i was sick they were suppose to continue reporting positive knowing i was in hospital. I WAS ALWAYS ON TIME UNTIL I GOT XXXX I HAVE NEVER BEEN LATE... I have called fifteen times and they are XXXX that do not speak XXXX they lie and give me the run around I am back at work and capable of paying my bills as usual i need something in writing that i am paying and they are removing these negs due to my affliction from XXXX i can not pay and not have this rectified they will continue to report neg this issue must be resolved and they willl not change it unless i pay them first and i find it so fishy AGAIN I HAVE THE MONEY TO PAY AND HAVE NO PROBLEM PAYING BUT NOT TILL MY NEG IS REMOVED. I SUBMITTED PROOF I WAS HOSPITALIZED THEY EMIALED ME BACK CONFIRMING RECEIPT AND THAT THEY WOULD REMOVE THE NEGS BUT THEY HAVE NOT REMOVED THEM AND ITS HURTING MY ABILITY TO MOVE FINANCIALLY.
Consumer complaint received 2021-12-27
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. (NY)

I was affected by XXXX and was sick for months. When i was strong enough I notified my creditors and they worked with me except for the company XXXX - they have foreign customer service who is only interested in collections and they do not help nor answer questions they give you the run around its a hassle and they lie to you i have asked or Americans, i have asked for supervisors they are all incompetent and they are ruining my life I WANT TO MAKE ABSOLUTELY CLEAR I AM PERFECTLY CABABLE OF PAYING MY BILL NOW THAT I AM HOME, I LOST ALOT OF MY LIFE TO XXXX AND STILL CAN NOT WALK BUT AM XXXX FROM XXXX, SO IT IS NOT THAT I CAN NOT PAY IT IS THAT THEY HAVE TO REMOVE HTE NEGATIVE REMARKS THEY POSTED EVEN THOUGH THEY KNEW I WAS IN XXXX .... i am only XXXX no way should this company even exist if they are not following the rules. i provided them with the USA CREDIT CARE ACT under the XXXX XXXX  protection and this company has don't nothing but ignore it and has been notifying my credit bureau of negs when under cares act if i was on time before i was sick they were suppose to continue reporting positive knowing i was in hospital. I WAS ALWAYS ON TIME UNTIL I GOT XXXX I HAVE NEVER BEEN LATE... I have called fifteen times and they are XXXX that do not speak XXXX they lie and give me the run around I am back at work and capable of paying my bills as usual i need something in writing that i am paying and they are removing these negs due to my affliction from XXXX i can not pay and not have this rectified they will continue to report neg this issue must be resolved and they willl not change it unless i pay them first and i find it so fishy AGAIN I HAVE THE MONEY TO PAY AND HAVE NO PROBLEM PAYING BUT NOT TILL MY NEG IS REMOVED. I SUBMITTED PROOF I WAS HOSPITALIZED THEY EMIALED ME BACK CONFIRMING RECEIPT AND THAT THEY WOULD REMOVE THE NEGS BUT THEY HAVE NOT REMOVED THEM AND ITS HURTING MY ABILITY TO MOVE FINANCIALLY.
Consumer complaint received 2021-12-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1900.00} XX/XX/XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$980.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.