davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2020 upon checking my account regarding my stimulus payment I discovered several fraudulent charges dating back to XX/XX/2020 with the last one on XX/XX/2020. The fraudulent charges totaled {$2100.00}. All of the charges were made with merchants in foreign countries, some even stating that they were in store purchases. I have never traveled to any of these countries & especially not during this pandemic! I immediately disputed the charges, requested a replacement card, & updated all of my account security information! The customer service representative that assisted me failed to document the correct charges to dispute & only disputed a fraction of them! I submitted all requested documentation along with verification that a police report has been filed! I have spent several hours over the phone with them on different occasions & was just told to wait the 10 business days for a provisional credit! I then received today, XX/XX/2020, an email from them indicating that my dispute claim has been denied and that they will not be refunding me my money! Some of the transactions totaling {$500.00} were refunded & placed back in my account! However, {$1600.00} is still gone! This is absurd, the transactions are blatantly fraudulent! I am a single mother of XXXX small children whom is unable to work at this time & desperately needed my money! 

On XX/XX/2020 I received a response from American Express Serve after submitting an initial complaint with CFPB & XXXX  regarding this matter! Amex serve indicated that they would re-review the dispute & requested that I once again upload a fraud acknowledgment form! I provided all requested information for a second time & waited the 10 business days again, only to receive an email from Amex on XX/XX/2020 stating that my dispute was denied! I dont know what else to do other than to seek legal counsel & advice with filing a civil suit to recoup my money! The charges are blatantly fraudulent, as it was impossible for me to be using my card in a foreign country while Im at home in California, US & I do not even possess a passport to travel outside of the US! I need my money returned! Im baffled that during these trying times with the pandemic that this bank can be so calloused & degenerative in regards to this matter!
Consumer complaint received 2020-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Yes, I have disputed several inaccuracies on my credit report to Transunion, XXXX, and XXXX about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card
Consumer complaint received 2020-05-14
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. (GA)

There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Equifax has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( Equifax, XXXX, XXXX ) XXXX XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and Equifax ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )
Consumer complaint received 2020-05-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (TX)

We were preapproval for a home loan XX/XX/2020 up until XX/XX/2020 ( which is the day of closing ) on the loan by XXXX XXXX with Supreme Lending. We find out this is misleading/not at all true because a baby/new realtor XXXX XXXX ( whom hasn't even sold her first home but yet your helping me. How? I do everything for you by researchingthe home negotiatingthe price and things to stay in the home, and etc ) told XXXX that i am at XXXX XXXX XXXX. I have phone recordings with her and him that you clearlt hear me say I am currently at XXXX XXXX and my XXXX XXXX is sitting on a judges desk at VA to be signed. My VA representative help me achieve this because I am currently underrated at XXXX XXXX. They neither reach out to him nor myself through this whole process until XX/XX/2020 by text message to say we are not approved now. 

We have paid for everything upfront and now they do not want to reimburse my family and I for misleading information. My landlord and wife landlord both gave us 11 days ( XXXX XXXX to XXXX, 2020 ) free rent as our gift since we were buying a home. We are currenlty homeless and living in hotel which is becoming a bill all in itself. We even purchase XXXX cash of new furniture for the whole house, paid maide services to come deep clean, and etc. 

I was so called not approved because of a XXXX XXXX XXXX letter, when in fact, my wife makes XXXX a month after taxes that was not accounted for nor on the loan because her score was too low. They running us around saying its the governments fault due to the covid-19 and VA judge not signing the paper. This is incompetent lending  and business at it's finest from both parties listed above. You both took me to battle but left me with no weapon on the battlefield. This how you supposedly help veterans whom has put it on the line for you day in/out. Trust me, I don't need anybody sympathy because I made this choice for my family and I. I was looking for them to do the same for my family. Yet, in the end, they have left us out in the cold and could care less about our issue nor reimbursement. Neither one has contacted me over the phone simply text messages or email. They afraid to face the lies and reality. 
I am writing to inform ours about these two cats along with the company 's they represent because this speaks volume about how these companies operate.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (GA)

I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY REPORT.
Consumer complaint received 2024-11-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP (MN)

I deposited a XXXX XXXX XXXX check for {$13000.00} into an ATM at an US Bank in XXXX, MN at XXXX XXXX on XX/XX/year>, and they put a hold on it until XX/XX/year>, making me wait a full XXXX before I can access the money because of the XXXX holiday. I believe this to be excessive because 1 ) the deposit was a cashier 's check from a national bank chain and not some unknown financial institution, 2 ) {$13000.00} is not a huge amount of money, and 3 ) I have been a customer with US Bank for over XXXX and my account has always been in good-standing. 

XX/XX/year> : I contacted them online ( XXXX ) to complain and they said they would not release the hold. 
XX/XX/year> ( evening ) : I researched the hold, using the Federal Reserve 's website, and I discovered that they are required to release at least {$5500.00} on the 2nd business day after the deposit. 
XX/XX/year> ( early afternoon ) : I contacted them online ( XXXX ) to ask them why they are not complying with Regulation CC? To which, they said that they could hold the funds until the deposit clears. I told them that they must release a portion of the funds by the 2nd business day and they disagreed. I then asked to speak to a manager and XXXX told me that if I wanted to talk to a manager, I would have to wait 1-3 days. Needless to say, I found this to be outrageous! 

According to the Federal Reserve 's website, banks can hold onto funds for a 'reasonable " period of time. Would you classify eleven full days as 'reasonable? ' I do not.
Consumer complaint received 2020-05-20
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. (GA)

I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY REPORT.
Consumer complaint received 2022-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

Today I received notification that Flagship reported my car note incorrectly on my Credit Bureaus. I have documentation showing that they have placed the payment on the back end of the loan. I was not aware that they would try to report this as a late on my credit report therefore the reporting is inaccurate. I have attached the signed letter of having the payments put on the back end of the loan. This has caused my credit score to decrease severely.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (VA)

Cashed out My XXXX without my permission I have purchased XXXX XXXX onXX/XX/XXXX from Crypto.com. On XX/XX/XXXX Crypto.com They Have cashed me back for the XXXX without my permission and converted it to USDC without my knowledge. when i contacted their customer support they made up so many stories and and when i insisted and pushed back the lies they finally told me XXXX wasn't listed for the USA and they lied because i checked and it was actually listed on their app on the XXXX of XXXX and that's why i was able to purchase it through their app and i have the screenshot to prove that. I have asked for compensation and still waiting for it. The transactions was done without my permission or consnet, I need back my XXXX XXXX and they can take back their USDC that refunded i never asked them to do so. I need help, no one is willing to hele me from their support team.
Consumer complaint received 2023-01-06
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-12
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. (KY)

XXXX XXXX XXXX  XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX  XX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX XXXX  XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}
Consumer complaint received 2022-05-04
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 Equifax account number XXXX has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-26
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/year> SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX  XXXX I paid the original creditor in full before this account was charged off. 
Please delete the charge-off from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I sent XXXX  a followup letter regarding an alleged debt collection on my credit report by the company " XXXX  XXXX XXXX XXXX XXXX account # XXXX '' which I have also reached out too. The company has FAILED to verify the debt with ( original signature ). The company sent me a letter that ONLY addresses the alleged debt but NOT the original leasing agreement with my alleged signature. This debt does NOT belong to me. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX, Equifax nor the creditor, XXXX  XXXX XXXX XXXX. They are ALL in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I will submit a complaint here with ALL companies involved including XXXX, Equifax and the creditorXXXX XXXX XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, XXXX  and Equifax.
Consumer complaint received 2023-01-06
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)

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have submitted disputes to you, and I didn't get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2020-05-19
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. (WA)

To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the account XXXX XXXX XXXX. 
I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$240.00} XXXX  XXXX {$68.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1100.00} US DEP ED XXXX {$2600.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (PA)

The DOS was XXXX none of my hospital bills were NEVER SENT to my insurance Company XXXX XXXX XXXX the collection agency keep harassing me telling me to pay I try explaining that I never reciprocate the bills they were mailing to an old address the hospital also listed me as SELF PAY with all my insurance information on file I contacted the Hospital XXXX and they confirmed they never sent to XXXX!! XXXX contacted both hospital and agencies requesting them to put these account on hold on XXXX they have still been calling me and sending letters with new dates of open debts so they are still reporting as if this was updated debt whn two representatives spoke to me and the insurance company stating it was on hold the hospital billing department call me saying they pulled it from collection but the collection company called me after all these conversation with hospital and collectors still asking for payment I reach out to management team no reply