davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp (TX)

Account was closed XX/XX/2021 with no notice or reasoning. I was asked To submit ID and a bank statement from another account to which I complied. I have called several times and and always am told the research department is investigating. My tax return showed it was deposited to the account on XX/XX/XXXX. The last representative I spoke to said my account is now closed and I would be mailed a check for {$100.00} ( my balance before my stimulus and tax returns were deposited ) He stated my account was closed on XX/XX/XXXX so they do not have my {$1700.00} tax return. Its been almost a month and I have yet to receive any check and am not able to update my tax return. I also filed complaint with XXXX  and theres dozens of complaints all with the same story. I want to find out what I can do to recover my stolen funds regardless of the fact they closed my account with no reason I need to know how to get my money from these crooks and they need to be shut down immediately. Also have to contact IRS and determine if theres anyway to recover my funds they stole from that. Being recently unemployed and desperate need of the money they stole from myself and many others is imperative. XXXX XXXX  is the name of the so called bank.
Consumer complaint received 2018-03-06
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: JPMORGAN CHASE & CO. (KY)

Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

On XX/XX/2020 I was served eviction papers because I refused to comply with an illegal removal from my rental home. The case went to trial in NC XXXX XXXX XXXX on XX/XX/2020 and was dismissed with prejudice. In summary, I won the case.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (CT)

In accordance with the fair credit reporting act. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written instruction.
Consumer complaint received 2021-03-01
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXXXXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-08-07
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. (OH)

XXXX, XXXX, & Equifax, continues to report 2 dismissed XXXX XXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed XXXX does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

In trying to finance a new mortgage, I was asked about an item appearing on my Equifax credit report from XXXX for solar panels on a home I had previously owned. I was unaware of this item and was shocked as I check my reports frequently. 

I obtained my credit report from XXXX and it was not showing. I reached out to Equifax and they said that I was not seeing it because I was not using an Equifax product. However, when I did use that product, this item was still not on my report. 

I understood that the bureau could not provide to lenders any data that was not provided to the consumer. The agent at Equifax could see it, my lender could see it, but I could not. And, according to this agent, it was only reported by XXXX AFTER I sold the home ; we closed on XX/XX/2019 and it was first reported XX/XX/2019. 

I understand credit and was confused and angry when this popped up at the minute ; had I known about it, I could have dealt with it before starting my loan process. I can not imagine how someone buying their first home would feel. Should Equifax be able to continue this practice?
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (TX)

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 Account # XXXX. 
XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 2022-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX a collection. 

Account # : XXXX {$1500.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-07-28
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. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (SC)

CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, XXXX # XXXX The basis for my dispute was required to notify me prior to, or no later than 30 days after XX/XX/2016 failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of South Carolina allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, PresidentAccount # XXXX CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, PresidentAccount # XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve is held liable as well for defamation and in the state of South Carolina a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I sent a dispute to Equifax on XX/XX/2019, I have yet to receive a response and this is not the first time this has happened with Equifax , they seem to not send dispute results as required or even complete a dispute that was properly requested.
Consumer complaint received 2020-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MI)

I applied for and received a loan from Mitig Capital. I received XXXX on XX/XX/2020. I contacted Mitig Capital on XX/XX/XXXX. I was horrified to hear the Balance of XXXX on that date. I then made sure to have that entire balance in my account that was on file with Mitig Capital. I had a conversation with the loan officer on the XXXX of XXXX at Mitig Capital and she said that the XXXX which was the entire balance on that date would be pulled from my account on XX/XX/XXXX. She said the balance would remain the same until then. On XX/XX/XXXX the funds were not pulled so I called Mitig Capital. The agent named XXXX stated that there was a problem on their end at that's why the balance hadn't been pulled. He assured me the balance would be pulled the next day on XX/XX/XXXX. I called back the evening of XX/XX/XXXX to make sure there was no problem with my account numbers that they had on file. This time I talked to an agent named XXXX XXXX. At first he said my account balance was approximately XXXX. I protested stating that I have been attempting to pay off the entire balance since XXXX. He talked to a supervisor and called back to state that yes the balance of XXXX was still valid payoff and that the funds would be pulled on XX/XX/XXXX. It is now evening of the XXXX  and Mitig has not yet pulled the funds to pay off the debt. I am very concerned that they are stalling and attempting to run up finance charges. I have read that this is happened to other clients of theirs. Please advise and help if warranted ... .thank you.
Consumer complaint received 2018-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

On XX/XX/ I purchased {$180.00} worth of Litecoin cryptocurrency with my XXXX XXXX. 
On XX/XX/ I recieved an email from Coinbase stating that payment for my Litecoin order was reversed by my card issuer. 
On XX/XX/ Coinbase restricted access to my XXXX  account with {$3300.00} of my funds locked in the account. I contacted Coinbase customer support about this issue via email and received a reply stating that my case has been " escalated '' and their " subject experts '' will be completing a review of my purchasing power. 
It is now XX/XX/XXXXthere is still no resolution and I have contacted Coinbase customer support three times and have not gotten a response about my case.
Consumer complaint received 2018-02-21
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: Navient Solutions, LLC. (MI)

I have notified this company numerous times in regards to this debt through fax and mail, and I have yet to receive a response in regards to the validation of this debt.
Consumer complaint received 2022-08-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$1600.00} 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 2022-04-24
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( 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.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (FL)

i had a flood and had NO issues getting funds from my insurance company. But the bank has had check for over 6 weeks and won't release funds. They leave messages to call them back, when you do you get a different rep. who doesn't know whats going on. They have asked for the same paperwork ( a summary page ). I have been waiting for 8 days for a manager to call me back. I am out of pocket for the contractor and the bank doesn't accept a cancelled check as proof of paymentand i speak to a different rep everytime i call who needs to review file. 
I am wondering what it takes to get my OWN MONEY BACK ... I have asked them to review our past conversations because of different information given, I have asked for a manager on 6 different calls and i get NOTHING!!!!! 
I have even asked to have the inspector come and see that we are 50 % done with work and hand deliver my funds i need to pay my contractor ... i am already {$61000.00} out of pocket -- -- there is no other funding avilable to complete this work ... .and today again for the 3rd time, they denied release for a summary page.
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

On Wednesday XX/XX/XXXX I  received a notice from my XXXX XXXX account of a negative account from IC System inc. added. My credit reports and scores took a big impact from this account. I called IC System the next day and gave them my current address as I was asked for it to show proof of who I was. I was then notified the account was from XXXX. I contacted XXXX and was notified the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX due to lack of payment. The address this account was attached to was an address I did not live at during the accounts life, I did live their prior but not during the account being open. I submitted paperwork and a police report to XXXX and was contacted by XXXX to complete a stolen identity packet. Today XX/XX/XXXX I received a collection notice from IC System inc. that was dated for XX/XX/XXXX, two days after I made contact with THEM. The notice said I have 30 days to file a dispute with them, only issue is, they already hit my account with this fraudulent account and are just now telling me I have the option to dispute the account. They are affecting my financial future and asking questions later. As far as I know, I am supposed to be given 90-180 days of my first notice before they attach this to my credit report. Why did it take them 13 months after the fraudulent account closed to make contact with me? I feel as though this company is responsible for this scam. I never received contact from them until I gave them my current address and this account didnt hit my report until 13 months after the account was closed. 90-180 days is 3-6 months, not 13 months. Something doesnt add up and IC System inc. is no help. I am not the only one who has had these issues with this company. They should be closed due to scamming many others.
Consumer complaint received 2021-02-28
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: CITIBANK, N.A. (TX)

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from Best Buy Credit Services, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such Credit Service provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

XX/XX/XXXX Dear Madam or Sir, I have refinanced in XXXX and the loan servicer is Wells Fargo Bank since XX/XX/XXXX. I have my account with them ending XXXX. Wells Fargo setup an escrow account for property taxes. I have tried to contact them for managing my own property tax but they declined my request stating the reason is that I do not have long enough history with them. 

As of XX/XX/XXXX, I have checked my parcel number on XXXX County Property Tax payment website, and realized that the updated property tax was reduced from {$4200.00} in XXXX to {$3600.00} in XXXX, and my escrow account balance has already exceeded the semi-annual payment amount. However, Wells Fargo escrow account has been charging me the old monthly due since XXXX. I have contacted Wells Fargo via email and phone call on XX/XX/XXXX. The customer support has reassured me that they have run a escrow account check and I should see my account updated within 2-3 business days. 

Now as of XX/XX/XXXX, Wells Fargo is going to auto charge me another month 's due, and the balance and amount is still not changed. I'm really disappointed at this business practice when, as an individual loan payer can easily see the amount due on government website whereas a big bank like Wells Fargo is continuously over charging me. I would consider this is a fraudulent business practice that takes advantage of homeowners during COVID, and aggravate the financial situation for people that have to put through during this special time. If this practice happens to many people, Wells Fargo is essentially profiting from people involuntarily depositing excessive amount of escrow due into their accounts. 

I would appreciate this can be investigated and resolved in a timely manner, for many people might be struggling to making the over charged payments. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-28
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: Synovus Bank (CA)

I was unable to resolve disputes for 5 unauthorized billing errors. So, I closed my First Progress secured credit card account. My First Progress XX/XX/2021 Statement proves the account closure date without the complete refund of 5 unauthorized charges on it, which total {$120.00}. I am due a full refund of {$120.00}!
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I tried to open a chase ink card for myself. It was opened however, when I activated the card they shut it down cause they needed more information. When I sent the information in I never heard back from the department. I called multiple times and they never got back to me. I think they are trying to avoid giving me the bonus points as advertised.
Consumer complaint received 2022-08-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$1600.00} 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 2021-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (NY)

I open account on coinbase couple days XXXX from account was transfer next day they try another XXXX but i didnt have insufficient funds so they couldnt when i email them sayings that they disbaled my account i open 3 cases every case after day or two is closed and sayong can not be restore please help there is no phone number to contact or anything