davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IL)

I am a former customer of Midland Mortgage. My home was sold in XXXX. Midland Mortgage has not refunded the escrow money. I called in XX/XX/2020. I was told that the funds would be sent. The money never came. A letter was sent around XX/XX/2020 stating that the funds would be given to the State of Michigan if I did not claim the funds. I did not receive the letter until XX/XX/2020. I called again to Midland Mortgage who said they needed twenty days to check on the funds. I gave Midland Mortgage 20 days and called again on XX/XX/2020. Midland Mortgage stated that I then had to wait twenty business days. At that point in time they have no clue where the funds are. They told me to call back Monday. I called back again on XX/XX/2020 and XX/XX/2020 and spoke with XXXX XXXX who is a customer service supervisor. He told me that the funds would be overnighted to me. He assured me that he would call me XX/XX/2020 to inform me that the funds were sent. I did not receive a call from XXXX XXXX. I called again on XX/XX/2020 to customer service. They told me that they could not locate XXXX XXXX and then hung up on me. I called again on XX/XX/2020 and informed Midland Mortgage that I had not received a phone call as promised. I spoke today, XX/XX/2020 to XXXX XXXX after following up again. XXXX XXXX informed me that they failed to overnight the check as promised. I still do not have the check at this time and Midland Mortgage has made no attempt at sending me escrow funds that are over {$900.00} dollars. No proof has been provided with regard to the check.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (GA)

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates. 

My rights was violated a few times. 

According to 15 U.S.C section 602 A STATES, I have the right to privacy.

According to 15 U.S.C 1681 section 604 A Section ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-12-14
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: Open Dealer Exchange, LLC (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, 700 CREDITXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

My bank is the US Bank. On XX/XX/XXXX I viewed and messaged a person on XXXX about a vehicle listing, they claimed to have a well-conditioned XXXX  XXXX XXXX and wanted {$3000.00} in total. I used XXXX on my bank app as the main transfer to send and receive money. I made my first payment on XX/XX/XXXX of {$150.00} as a hold on the car and to pay in advance for paperwork. I live in Missouri but the car was in Arkansas. I continued communication with the scammer and I offered my current car as a trade-in that he agreed to, bringing my cost of the car to {$2000.00} including a trade-in. He, later on, took back his agreement saying my current car was not worst a lot and ask me to pay the total amount for the car in order to finish the paperwork before I arrived. I made two more payments, one on XX/XX/XXXX for {$1700.00} and another on XX/XX/XXXX for {$700.00}. XX/XX/XXXX was our agreed date to meet so I could pick up the car. But at the location neither the car nor the scammer was present. I immediately filed a dispute with my bank and made a police report. Between XX/XX/XXXX and XX/XX/XXXX I called and ask about the status of my dispute. On XX/XX/XXXX I called around XXXX XXXX and asked again about any actions I could take to aid the investigation, the representative then told me that on XX/XX/XXXX the dispute was closed and that id is getting back my money back by the end of the month. Immediately after the call, I went to check my mail to find a letter stating that all my disputes for each payment were declined. I have text messages and the social account of the person who scammed me. I have the evidence and witnesses that were with me to prove I was wrongfully taken advantage of. I'm a first-year college student in desperate need of money and a new car. I worked hard for my money just for a scammer to use me and for the bank to protect them. US bank didn't ask for any of the evidence I had or for my full story.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 BANK XXXX has violated my rights. 
XXXX BANK XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXX  XXXX BANK XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 XXXX vears. 
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 2022-06-14
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. (GA)

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 BANK XXXX has violated my rights. 
XXXX BANK XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXX XXXXXXXX BANK XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 XXXX vears. 
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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Item was discharged and the Credit Bureaus did not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

on XX/XX/2020 I received a text message and a call from fraud department, Barclaycard ( in attachment ) regarding charge from XX/XX/XXXX for {$210.00} this was not my charge and I decline this transaction, representative form credit card, Barclaycard said I don't have to worry thy will close the old card and replaced with new one. will not be responsible for it. I wait two weeks for a new card ended with # XXXX. 
on XX/XX/2020 I call to credit card to pay my bill as I always do. To my surprised I fine out my balance is very large, not what I was expecting. I fined out that 3 charges from old card were transfer to new card, charges from XXXX XXXX Store # XXXX from XX/XX/2020 for {$210.00}, {$210.00}, {$220.00} Those were not my charges as I said to fraud department on XX/XX/2020 when they contact me. I disputed this charges with credit card on XX/XX/2020 first by calling them and sending a letter sting all facts ( see attached ) At this time I was advised to do police report and I did that on XX/XX/2020 ( see attached ) including {$25.00} charge for copy of police report.OnXX/XX/XXXX I received two letters re this situation, one informing me that I am not responsible for charges, the 2nd letter informing me I am responsible for the charges ( both letters dated XX/XX/2020 ) The Barclays open a new investigation case # XXXX and they said I have to wait I call every 2 weeks to follow up on case but there was no new information, I spoke with supervisors but everybody was asking me to wait. I receiving bills for those unauthorized charges and I am paying a minimum on it {$29.00} per month I don't want to destroyed my credit but I don't want to pay for fraud charges. 
om XX/XX/2020 I received letter that my case was denied and I am responsible for those charges. Please help me resolved this problem. The credit card Barclays did informed me re fraud in the first place and now thy are denying it.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one auto is in Violation of my consumer rights, they have continually disregarded my disputes of inaccuracies along with not complying to my original dispute but have only stated the account has been verified.. although I have paid off the account in full and it is closed they are still showing late payments that are inaccurate and false this is affecting my consumer report they have had more than enough times to fix this false reporting which is playing a huge part in my credit score fluctuations causing issues with promotions at work and trying to buy a home.. I am extremely exhausted with this situation not having any justification or explanations to me the consumer please delete all PAYMENT that are hurting my report The CFPB states if your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. I have the documents proving that I made payment agreements and they still reported late which is a violation of my rights
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

In 2007 the HSBC account went into collections due to my XXXX and XXXX XXXX XXXX  from my military service during the XXXX XXXX XXXX. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I met a guy on XX/XX/22 online and he introduced me to crypto. He told me I should invest and he can help me. So I started out small. First he made me wire funds to coinbase then transfer it to XXXX website. It looked fishy but I was blinded. I made profit. So I started to add more. Total {$12000.00}. Then he told me to take personal loans to make more profit. Since then it got very suspicious. So he even sent me around $ XXXX within the XXXX  site to raise my earnings. Now I know why... I tried to withdraw today but it wouldn't let me. So I asked for help and he helped me gain, from XXXX I went to XXXX. Then I was able to " withdraw '' until I realized I need to prepay tax. 25 % of the profit. Which is {$9900.00}. So I realized how they take money from people. I'm sure they will not let me withdraw $ XXXX even if I " prepay. '' Is there any way I can get part of my funds back?
Consumer complaint received 2018-04-24
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: EQUIFAX, INC. (AL)

On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXXXXXX XXXX. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXXXXXX XXXX. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXXXXXX XXXX contracted which states that they no longer have this account as of XXXX XXXX, also a copy of a account statement from XXXXXXXX XXXX stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Bank- They stated on XXXX-XXXX-2015 I attempted to make a transaction on a account in an unauthorized or prohibited manner. On my XXXX XXXX report they never mentioned what I exactly did wrong. They reported no loss of money. Technically I don't even know exactly what I'm being charged with. I never had a Suntrust account. My identity has been compromised before.I was taking advantage of by people I trusted, stole my identity and opened bank account and credit accounts in my name, some how i have to get those investigsted as well. Someone authorized accounts created without my consent. I don't comprehend good, I get a XXXX   check for not being able to comprehend like a normal adult. My brain works on a XXXX  year old level.Because of me being in the XXXX XXXX XXXX it is hard for me to get a bank account. I don't have anyone I trust to have my check deposited into their account.just need help with trying to get the bank to understand I was taking advantage of. I really need your help getting out of that system
Consumer complaint received 2018-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion has not been reporting information sent to them from my credit agencies, XXXX XXXX which on my report is XXXX XXXX XXXX XXXX also known as XXXX XXXX is being reported to.the other two bureaus XXXX and XXXX as of XX/XX/2018, Everytime there is information sent to the bureaus transunion time and time again does not and is not reporting information being sent to them
Consumer complaint received 2023-09-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (TN)

I have a Cashapp Card and I tried to use it to make several purchases and was denied so I called the company to see the reason why only to find out I was deactivated. I was not told I was deactivated and was not given a reason why. I would like to know what happed because I like and use my card daily. If you can find out why I would like to know and I also would like to know if I will be able to ever use the cashapp again.
Consumer complaint received 2019-08-29
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. (IL)

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX. In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Consumer complaint received 2022-07-21
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. (FL)

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (PA)

My identity was stolen in XX/XX/XXXX. I recieved an email from M & T bank about a new account being opened. I called them to have the account closed on XX/XX/XXXX. They told me the account would be closed. I recieved an email from them again on XX/XX/XXXX. I called them again to close the account they told me I called them and asked them to reopen the account. I told them I did not and that it was a fraudulent account and I want the account closed. On XX/XX/XXXX I received a statement email from them I called back to demand the account be closed. They told me the account would be closed. On XX/XX/XXXX I received another statement email from them. I called to have the account closed again. They told me it would be closed by end of business that day. On XXXX I received another statement email. The bank account is still not closed. This is a fraudulent account that I did not open. It's not even opened in my legal name. The account is opened under XXXX XXXX XXXX and my legal name is XXXX XXXX XXXX. I told them when I spoke to them in XXXX if the account wasn't closed I was filing a complaint.
Consumer complaint received 2019-03-22
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. (LA)

XXXX ; Experian and XXXX are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX ; XXXX and Transunion are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.