davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mr. Cooper Group Inc. (NM)

We have bought insurance on our property with our agent under a multipolicy discount ( my son and my mom have insurances on their houses or cars with the company ) and there was a leak in the bathroom pipes when we had snow inside the hosue, flooding the bathroom, bedroom carpet and the closet carpet. 
We filed a claim, and the agent and I spoke about it and he sent it to the XXXX. The XXXX told us to go ahead and contract the repair plumber and drywaller. We did not hear from them for days and the laborers stop the work until they are fully paid. 
The XXXX came back from vacation and told that the insurance contract that we had with the agent who resigned got refunded and terminated. And that another company took over, who is inside XXXX XXXX XXXX. 
The XXXX declined o pay the bill of the repair, and my mom has XXXX, and she got covid and I too, we had to be quarantined in our house and the smell by now was very strong and made us so sick. 
The insurance company did not even send someone to inspect the property at all and then when we called, they put a company by the name Mr COOPER as a payee and when we called them and gave our information, none of their loans matched my mother 's ( XXXX XXXX ) or my social security number ( XXXX XXXX XXXX ) and they told that they can not give information to us at all about this " debt '' because we are NOT in the loan, We called the title company escrow agent XXXX XXXX who closed on our home ( attorney escrow agent ) and he told us that the loan was probably done " in personality '' by the prior sellers after we closed on the loan. 
The bathroom repair costed XXXX and there is yet to replace the carpet that is moldy now and will affect our health and we do not have money to lend XXXX while they send an inspector to inspect our home. The claim was filed in XXXX, and it is almost 2 months now XX/XX/2022. I called the NM XXXX and told the agent I was going to file a complaint with the nm department of insurance because if the pipe burst inside the wall and lots of water rushed out and flooded the room, then it is due to a pipe damage covered under water damage, and all the consequences and damages stemmed from that. /all state then issued a refund of our policy and sent us back XXXX $ and cancelled our insurance to not pay the claim. 
They then retaliated and cancelled our insurance and returned our payment on our policy.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

On XX/XX/21 I reported fraudulent charges on my account and shut down my card. I reported the charges within 24hrs of noticing. I was given provisional credit and they investigated the claim. They said the charges were not fraudulent even though they were. I am covered my XXXX XXXX liability policy. I did everything I was supposed to do to report the fraud. They reversed my provisional credit and said I was liable. This is in breach of XXXX  XXXX liability policy and I will not be held liable for purchases I didnt make.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC (IN)

On XX/XX/2022 ; my wife and I entered into a contract based on a sales meeting at our home to purchase a solar powered system through XXXX XXXX ( since then has been renamed XXXX XXXX ). The sales agent presented information and quoted figures that we feel are highly deceptive and patently misrepresent the ability of the system as it functions today. The total cost of the system is {$74000.00} which comes down to roughly $ XXXX. We were made to believe that our system would generate 73 % of our current energy usage, and that by improving the efficiency of our home through changes such as LED bulbs, improving insulation, etc. ; our energy consumption would further decrease. At the time, our average energy bill was approximately $ XXXX. The sales agent referenced the cost of the system being offset by the amount of savings generated through solar energy. In actuality, we are not seeing any significant change in energy utilization. Our monthly statements for energy consumption have not changed, nor has our monthly bill. We are not only paying the same monthly energy bill as prior to the system being installed, but we are also paying the cost of the system which has essentially doubled our monthly payment for energy. Because of the gross misrepresentation, we have become incredibly upset. We have tried reaching out to the sales agent but have received no response. We also have reached out to XXXX XXXX, but they state that they will not do any form of system performance review until at least 5 months have passed. Because of this, we feel that XXXX XXXX has breached the contract agreement and we should not be held liable for payments on this system and therefore can not expect Sunlight Financial or XXXX XXXX XXXX to continue to request payment for this faulty system as we want it removed from our property. To be clear, this is not necessarily an issue with the loan or repayment. We believe we were fraudulently sold a system that can not perform to the specifications that we were made to believe. This has caused a doubling of our expense without any benefit. We believe XXXX XXXX and the financial institutions they work with, Sunlight Financial and XXXX XXXX XXXX, should be held accountable and should remove their equipment and no longer receive payment.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED XXXX Company Inquiries : 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 US SM BUS ADMIN ODA XXXX/XXXX
Consumer complaint received 2022-09-26
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. (MD)

Dear XXXX There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX$600.00} XX/XX/XXXX XXXX - XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX DEPT OF EDXXXX {$380.00} XX/XX/XXXX DEPT OF EDXXXX  {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
Thank you
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

My roommate and I moved into the apartments at XXXX of XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (UT)

I had $ XXXX deposited into my account by the us government which were my 1st 2 stimulus checks ... .i didnt have a debit card so i transferred XXXX to my sister-in-law to withdraw so i could pay my rent. XXXX immediately put a hold on that transfer so my sister-in-law refunded it and we tried again. Same result. Except now paypal froze my account. Now im being told i have to wait 180 days for money the united states government acreditted me for EMERGENCY FUNDING due to the covid pandemic. Due to paypals stunt i am now homeless, penniless, and carless. I dont want to wait 180 days for my money when i have done nothing wrong. I want to be able to use my money immediately
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello, My name is XXXX XXXX and I am a creditor of the bankrupt XXXX exchange. I opened my Coinbase account in XX/XX/year> and completed the identity verification on the same day. However, my identity was not verified immediately and I had to wait for months, but I was verified in XX/XX/year>. During this time, the price of XXXX dropped significantly and I suffered a loss of about {$100.00} due to the delay. If my account had been verified in XXXX, I would have been able to withdraw my money when the price of XXXX was about {$69000.00}. However, my account was verified in XXXX, at which point the price of XXXX dropped to {$57000.00}. I would like to know the reason for this delay and ask if I can be compensated for my financial losses. Please look into this situation and please provide a response. Thank you, XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WI)

I signed up for a US Bank Altitude Connect personal credit card this summer, and made the {$2000.00} purchases within 90 days in mid-XXXX  to qualify for the XXXX bonus points offer. US Bank confirmed this several times from XXXX when I called them to ask why the points had not posted on the XXXX or XXXX statements like they said they would. US bank employees verified I qualified for the points already several times when I spoke with them, and said it would appear on the next statement, which was a month or two ago now. On XX/XX/year> I called again and they said a case was being started to investigate and would resolve in 7-10 days. Today 11 days later I did a chat session with them and they said it would be several more months & they're not sure why it's taken so long, not resolution or points in my account yet. In early XXXX, US Bank devalued the points value by 20 %, so the {$500.00} statement credit I should have on my account with the XXXX points is now worth just {$400.00} if the points were to appear today. I would like US bank to credit my account {$500.00} as promised under the offer I signed up with & earned back in XXXX. It's been several hours of follow-up with more than 5 employees since XXXX to try and resolve this issue.
Consumer complaint received 2022-11-08
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (OH)

I had a client send money to a non-business account. Via PayPal. Because of the high fees I get with my business account. ( Really wish I wouldnt have done that though! ) At first I couldnt transfer the funds. It wouldnt allow it. I call them and they said because it was an old account, but they refreshed it. A few days go by and I try logging into the account. And there is no account. It is gone. At first they were saying it doesnt exist then finally I got ahold of someone who told me the account has been closed. 

I didnt close the account. 
Then they tell me the {$2100.00} was transferred to a bank account. I have no knowledge of this account. 
A week ago they submitted a dispute. I just got told it has been denied. 

I need help getting this money back. 
It has put me in a really bad spot financially. And PayPal really needs looked into. 
How can an account that I havent used in forever do this? This is crazy.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

I never live in the state of Georgia I never had any charges in the state of Georgia on your report it says that I had lost my license due to substance control code 893 Ive never been in Georgia never live there so whatever you have from that state is very very in accurate and I would like it removed from this report
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Contemporary Information Corp (IL)

This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further.
Consumer complaint received 2020-07-25
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. (GA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED  XXXX Company Inquiries : 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 US SM BUS ADMIN ODA XXXX/XXXX
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX