davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

I suffered a total loss on my primary residence due to Hurricane Ian. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. Currently, rocket mortgage is threatening to put my house in foreclosure WITHOUT NOTICE ... .the home that I can not live in. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car l. I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of God and the lack of regulation by the government.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Two Bank of America employees anonymously informed me that a credit card was opened in my name the same way XXXX XXXX did customers from XXXX to XXXX and got caught for. When I would go to the banks to have my account serviced they would do a soft pull to verify that I was the owner of the account and one of the times this happened they ordered a credit card in my name. I never found out until I came to XXXX ad two employees pulled me to side and gave me hints.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (FL)

I received a letter from Discover bank stating that i owed {$5200.00} for this credit card on XX/XX/2022. 

I never applied for or received a credit card from this bank. 

I have received credit reports from XXXX, XXXX and XXXX and have disputed this information with them as well and they have come back to me stating it has been verified as belonging to me. 

I wrote a letter demanding that they show me an application that bears my signature. 

I did not receive anything other than a generic response stating : at that time were provided with a name and address and other identifying information. 

This account is not mine. I did not apply for credit with this bank and i have received a XXXX form for this debt. I will not be responsible for this account and i want it removed from my credit reports.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account. 

XXXX XXXX : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account. 
Customer Service : I have contacted TransUnions customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws. 

Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ).

4. Dodd-Frank Wall Street Reform and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (IL)

I received a letter in the mail today that was actually dated for XX/XX/2022 I didn't receive it until today which is XX/XX/2022 the dispute process says call or write to Us by XX/XX/XXXX and it's coincidence that I've reached it I received it a day after my deadline to reply with the dispute I think that's the unfair tactic but I am by anyways this was a business account that was paid for another business account and I don't know understand why it went on to my personal check writing I don't recall writing this check maybe a business partner reminder but why didn't you not going on just my personal check writing the XXXX number claim number is XXXX reference number is XXXX and the XXXX number is a XXXX number which is XXXX
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting act 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 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help with the account inaccurately listed on my credit report. This issue has damaged my reputation as a customer, and I need your assistance. I would like these accounts to be removed as they are both false and damaging.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-07-13
Product: Credit card or 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: Block, Inc. (CO)

XXXX here is the first CFPB COMPLAINT Please assess a CIVIL PENALTY FINE against cashapp. 

They denied my dispute on false grounds. They illegally continue to hold on to my funds. What a bunch of conniving XXXX
Consumer complaint received 2021-01-20
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc. (AZ)

These companies need to correct the open date to correctly reflect the day these accounts went into collection. Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit System XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-10
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: AMCOL Systems, Inc. (TX)

{$360.00} last report date XX/XX/2019 I submitted an online dispute several times. 
I also send in a written dispute as well. 
Nothing was done I contacted the creditor directly and they will not comply
Consumer complaint received 2023-06-23
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. (NY)

Despite the previous written requests, the unverified account listed below still appear inaccurate on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Correct this account immediately : XXXX XXXX XXXX Balance Owed : {$33000.00}.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST PORTFOLIO SERVICING INC (TX)

Unauthorized Inquiries that was not made by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
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)

Please be inform I have never been late on my XXXX credit since established. There is an incorrect late payment reported from XXXX to XXXX. This account have never been late and the current balance is also zero.
Consumer complaint received 2023-05-17
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. (FL)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This complaint serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

ABSULTLY NOTHING -- -- -THEY USUALLY HANG UP OR PUT ME ON HOLD FOR A HOUR OR MORE. 

I HAVE TRIED AND SPENT MORE THEN 80 HOURS ON THE PHONE WITH THEM.

I GIVE THEM THE SQUARE TRANSACTION NUMBERS, XXXX AND XXXX, THEY TELL ME ITS MY ACCOUNT, I NEVER HAD A SQUARE ACCOUNT, NOR WOULD I NEED TO STEAL XXXX FROM MYSELF AND CHANGE THE NAME TO XXXX XXXX. 
THE XXXX, XXXX MONEY ODERS WERE STOLEN OUT OF OR BY A UNITED STATES POSTAL EMPLOYEE, THEN " WASHED '' AND THE NAME WAS CHANGED, DEPOSITED WITHOUT A CHECKING ACCOUNT NUMBER. 

THE XXXX IS XXXX XXXX XXXX XXXX XXXX ROUTING NUMBER IS XXXX. 
I HAVE FILED WITH USPS COMPLAINT, 2- POLICE DEPARTMENTS, 1 WHERE I LIVE, 1 - WHERE THE MAILBOX IS. 

BLOCK INC, WHICH IS SQUARE, POSTED THIS FOR CASHING VIA A PHONE PLUG DEVICE, LIKE IT WAS PAYMENT FOR SOME SERVICE OR PRODUCT. 
THERE SO SCREWED UP, THEY SAY " MY ACCOUNT '' BEEN CLOSED BECAUSE OF FRAUD, THEY REFUSE TO DIVULGE THE REAL OWNERS INFORMATION.
Consumer complaint received 2023-07-21
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I was a litigant of the XXXX XXXX XXXX XXXX XXXX. This State of XXXX XXXX, XXXX XXXX XXXX stole what was ordered by at the XXXX XXXX. Total amount {$XXXX} XXXX.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (CO)

Monthly payments are being made to Lenmark Financial @ XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. I understand they are coming in late, this is no excuse. They have not been more then 30 days past due. The issue is that I get repeated phone calls from an employee by the name of XXXX. He leaves voicemails that are threatening collection tactics. I spoke to a manager months ago about an extension after the payment was made. Never went through. I make my payment each month, again I fully understand that its late I try my best not to go over 30 days ( which I have never done ). I do not want this type of employee calling me in this manner ever again. Voicemail of last message is attached.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Dear PayPal Customer Service, I am writing to express my disappointment regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I would like to submit a formal complaint and appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policy. I have always conducted my transactions within the boundaries of the guidelines provided by PayPal. Therefore, I believe that the limitation placed on my account was an error. 

I am kindly requesting that PayPal re-investigate my case and restore my account if possible. I understand that mistakes can happen and I am willing to cooperate fully with PayPal in any way necessary to resolve this matter. 

I have been a loyal PayPal customer for several years now, and I have always used my account for legitimate purposes. It is therefore disheartening to have my account permanently limited without any proper explanation. 

Finally, I would like to confirm that the email address on my PayPal account is XXXX. I am available and willing to provide any additional information that may be required to resolve this issue. 

I thank you in advance for your attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX  account XXXX, and XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions