davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. (NY)

In a nutshell, the company Blockchain.com has been maliciously taking advantage of their customers with misleading XXXX verification methods. The company is purposely sabotaging its customers, making it extremely difficult and time consuming to try and verify ones identity, all in hopes that the customer will either give up or fail so that they company can keep the funds and remove them to a different wallet. 

The situation started XX/XX/XXXX. As i tried to move my bitcoin from my normal blockchain wallet, which at the time of sending was worth {$4000.00}, i noticed the transaction was stuck on pending for a long period of time. Shortly after, an email had arrived stating that i need to verify my identity to remove the money from my wallet. I have been using the wallet since XX/XX/XXXX, and not once have I EVER been asked to verify. Upon further research, i discovered that the site blockchain.com, suddenly had a policy that if more than {$1000.00} was sent, then verification was needed ; including your ID, a selfie, and a bank statement/utility bill. First and foremost, To date, i have sent well over {$1000.00} at any given time, dating back to over 3 years ago, and as recently as this Spring/Summer of XXXX, so for this arbitrary demand to come out of nowhere, it all seems extremely suspicious. 

As i begin to start the verification process, i start to notice how complicated and convoluted the process was. I have completed XXXX on numerous crypto exchanges, and they are all relative easy and straightforward. Blockchain.com sends multiple emails requesting the same info, dead links that wont let you upload, and has the response time of snail mail, when email should be a quick and easy process. Also, being a bitcoin exchange, they should be fully operational and responsive 24 hrs a day. There are no banking holidays, and exchanges do not close. After recently receiving over XXXX XXXX in fundraising early this year, you would think the company would function a lot better. But unfortunately, i have continued to jump over hurdle after hurdle, filing numerous support tickets, and constantly going back with their XXXX Support specialist, to still not have my money transfer sent through or a resolution to this problem. 

Further investigating also showed that there was a pattern of similar scenarios via review sites like XXXX. MULTIPLE customers have complained of how complicated the KYC process is, and that money from there wallet has disappeared when waiting to complete verification. All this put together, you can see the company needs to be properly vetted and investigated.
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: EQUIFAX, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-30
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. (NY)

I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.
Consumer complaint received 2018-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My house was brought in XX/XX/XXXX and the loan was XXXX.Then it was refinance with XXXX XXXX XXXX XXXX on XX/XX/XXXX.Then the XXXX XXXX XXXX  sold my mortgage to XXXX XXXX XXXX XXXX   XXXX . My refinance amount was XXXX and I am currently paying XXXX for PMI.My outstanding principal balances per XX/XX/XXXX statement is XXXX .According to my initial amortization schedule if my loan amount is under XXXX, PMI can be automatically terminated. I was sending my request for PMI cancellation letter3 times to LOANCARE mortgage company. But they are denying my request stating that I am not under them for 2 years or I have to pay XXXX dollar or XXXX dollar for appraisal.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX, I went into the Regions Bank located at XXXX XXXX XXXX, XXXX, Alabama XXXX to make a deposit. The deposit was a State of Alabama check that was issued for a refund of my retirement contributions to XXXX XXXX XXXX of Alabama. Upon making the deposit I asked the Branch Manager if there was a hold on the deposit. She stated she did not see one at the time, but a hold may be placed when it went through overnight processing. As such I left the bank without any definite information regarding a hold. On XX/XX/XXXX I received an email about a 7-day hold being placed in my account, but the email did not define the reason for the hold. I was under the impression the Reg CC requires funds from federal, state, or local governments to be made available next business day. Is this not the case? According to Regions, this is not so and a seven day hold can still be imposed on such checks.
Consumer complaint received 2018-02-13
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. (GA)

Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I 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 I haven't ever dealt with theses companies never given authorization for them to inquire about my credit
Consumer complaint received 2021-06-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GREENTREE MORTGAGE CO. L.P. (NJ)

I closed on a house one month ago, on XX/XX/XXXX, and wanted to inquire about a situation I experienced with the mortgage company. Really just looking for advise on what I can do but I'm not sure there is anything. I was put in touch with one of the representatives of Greentree Mortgage by my realtor during the pre-approval process. They were able to get me a pre-approval for an FHA loan. This was in XXXX of 2020. We finally found a house that took our offer in XXXX and at this point we find out how much we would pay each month and that even with putting 20 % downpayment we would have to pay the {$200.00} each month for 10 years for mortgage insurance. At this time I went through lending tree just to see what other mortgage companies would offer and the majority stated I wouldn't have to pay the insurance if I was putting 20 % down. But it would take 30 days to process everything and I couldn't push back the closing date, I was worried the sellers were going to back out of the offer.

So, the week after I closed I was looking to refinance. The representative with Greentree mortgage got word of the refinance and sent me an email stating that if I paid off my mortgage that quickly though another loan they would be audited and there would be severe penalties. He said that after all the work they did to secure me this loan let them look into refinancing and it would be cheaper since I wouldn't have to pay all of the closing costs. So, literally about a week after I closed all of a sudden they're about to get me a conventional loan and it will save me about {$130.00} a month but I'd still have to pay {$8000.00} in closing. Again after I just paid {$12000.00} to close with the same company the week before. 
He says that the closing will almost wipe out the savings I would have in monthly costs but if I wait 7 months it will build up my equity enough that I wouldn't have to pay the closing costs. He said it's up to me. Since I just closed on the house I didn't really have the money to close twice so I agreed and said I'll wait until XXXX. He stated he will reach out to me then. 
Well now it is XX/XX/XXXX, which is about XXXX weeks after we last spoke and a month after I closed on the house and they sold my mortgage to XXXX Mortgage. So I guess now I have a different representative? I don't know, nobody has reached out to me. 
My inexperience in the loan process and going with Greentree Mortgage has definitely cost me alot of money that I'm going to have to pay over the life of the mortgage. I'm not sure if this is how mortgage companies operate nowadays but I purchased a condo about 15 years ago through XXXX XXXX and the experience was definitely alot different. I just find it odd that he gave me the best loan possible ( according to him ) in XXXX and then a week after I closed and he heard I was refinancing he was able to find me a much better loan. I'm not sure what all I can do now but hopefully this can help someone else avoid this experience.
Consumer complaint received 2018-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

In XX/XX/2002 I was struggling to find a job, kept being told if I had a degree I would be better off. So, I found XXXX XXXX and the XXXX XXXX XXXX got me set up for financial aide. 

I was led to believe that the college would help me find a job once I graduated, which they did not. And that my degree would help me pay off these student loans. 

Now, with XXXX I've had NO problems EVER. They are concientious, their fees are legitimate. I have been dicking around with XXXX XXXX for 16 years now and my XXXX has not gotten out of control AT ALL, unlike the XXXX XXXX fiasco. I thank XXXX that my loan to XXXX XXXX was only for {$5000.00}, which is now {$11000.00} ( you can see from attachment what I've paid and what DID not go to the principal ). My XXXX is going down because I am now officially ignoring XXXX XXXX and concentrating on paying XXXX off. 

I want this perfectly clear, if XXXX XXXX had legitimate fees it would already be paid off. How do I know this? Because in this same time frame I purchased a XXXX truck for {$5900.00} and paid it off within 3 years. 

So, why didn't I get XXXX XXXX paid off? Because for every payment I made went to INTEREST only, nothing went to the principal. I've attached copy from Navient website. 

I was at my wits end and finally found your website ( after years of searching the web for suits against XXXX XXXX ), so I am sending this in hopes of some kind of resolution. I don't feel like I owe them ANY more money. It was only a {$5000.00} loan people! What the heck has happened to our country where big corporations are allowed to run roughshod over citizens that pay their taxes and served their country honorably. 

Thank you for your time. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-20
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. (MD)

Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, XXXX, XXXX, AND EQUIFAX, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Consumer complaint received 2019-03-16
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. (MO)

There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that XXXX, XXXX and Experian provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX XXXX {$2.00}, ( # 2 ) XXXX XXXX {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX   {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX  {$72.00}, ( # 6 ) XXXX  {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX  {$960.00}, ( # 9 ) XXXX XXXX XXXX {$30.00}, ( # 10 ) XXXX XXXX XXXX   {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX  {$71.00}
Consumer complaint received 2022-04-30
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. (NC)

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. 

According to the FRCA The term " investigate 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 of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I paid of my car loan in early XXXX. I received my new car title with the lean released in late XXXX. 

My credit report still reports a balance and that the account is active. This is not the first time Ally has fallen behind in updating my loan status.
Consumer complaint received 2024-03-20
Product: 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 (LA)

Originally I had a dispute with chime XXXX XXXX but on XX/XX/XXXX I cancelled dispute of {$6000.00} with XXXX bank and when I cancelled dispute the chargeback from merchant budget rental never received notification nor the money after I cancelled dispute in Budget system it still shows chargeback and chime has the money well it's been taken out of my account and XXXX XXXX XXXX  doesn't have the funds then where is my {$6000.00} XXXX at who has it and why didn't they send the money to XXXX  and send them notification that I canceled the dispute.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (GA)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. 3 ) Please send me a complete and current credit report, free of charge, per the Fair Credit Reporting Act, Section 612 ( c ) ( 3 ).

4 ) Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I am seeking your assistance with the following items : XXXX. XXXX XXXX {$11000.00} Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$33000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$29000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$2300.00} Acc # XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX FinanceXX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Bank XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Credit Union XX/XX/XXXX TransUnion XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Mortgage ReportersXX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX XXXX Mortgage ReportersXX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Auto Reseller XX/XX/XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX BankXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX  Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
Consumer complaint received 2023-02-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

Purchased safe deposit box @ Wells. Wells would not accept transfer of funds from a XXXX  account. Said to "come in" to fix problem. I decided I did not want this box if I had to jump through hoops. I returned the keys and so informed them. Request to crediut back all and every transactiuon to do with this box has been ignored Apparently WELLS still thinks it is King. No amount of fines or articles will stop this venal bank from stealking where it can. Your help would be appreciuated,   XXXX XXXX. XXXX
Consumer complaint received 2018-02-13
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: CITIBANK, N.A. (NJ)

There is a credit account showing up on my credit reports that don't belong to me. The account is CBNA with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.