davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (TX)

My home is being repaired right now due to a sewer leak. It has rendered it unlivable, therefore I am living in an apartment until all the repairs are finished. I have been living in an apartment since XX/XX/XXXX. 
About 4 months ago, I realized that my card had not come in the mail, I was still receiving mail at my home, and I called the bank, US Bank to inquire about it. They said it had been activated and there were multiple charges and PIN authorized charges as well. They filed a dispute and issued another card to me and gave me provisional credit. 
Come to find out this was not the only card they had sent out, and not the only card that was stolen from my mail. This went on for about 8 months. I had XXXX checking accounts so the XXXX I always used was fine, it was the other XXXX that the card never seem to come that was getting abused by thieves that had m been stealing my mail. Also they were ordering items and having them delivered to my address, at XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
They got into my house as well and went through my files, now they have a copy of my ID and all my account numbers as well. This is now a full blown identity theft case. 
Now the bank froze both my accounts and they have taken {$11000.00}. Out of my main compromised account and they can not find it. 
They closed another account that had {$1100.00} it. I have yet to receive a check or heard any thing about my funds yet. They were closed XX/XX/XXXX. 
Also, XXXX of the account was compromised with an automatic withdrawal. They closed that account due to the thieves having my account number and opened me another account. Then closed it. Now, just the other day I look on their website and they have reopened the closed compromised account, and there are multiple unauthorized automatic withdrawal from XX/XX/XXXX. I called them about this and they told me that it was reopened from Fraud Prevention to give me provisional credit for some of the debit card charges from months prior. 
I told them it had been closed by me because of the automatic withdrawal that happened about a month ago, and they think that the new account ending in XXXX was the account that was compromised and not the original account. Note : The new account was also closed by them for unknown reasons. 
They are dealing with this very unorganized, they are not informing me of anything going, especially where my funds are. I am scared they lost them. I need some help dealing with them because I seem to get a different answer every time I call them. Explaining the situation over and over again. Last time I spoke with them, last Thursday XX/XX/XXXX, they were talking like the accounts were abused by me and that they were investigating me now,. I am the victim of a major Identity Theft and I want to use my rights against the banks accusations and I want them to find and released my money to me. If they do n't I might lose my house and car.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX AV XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXX : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/2017 Reference # : XXXX.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX 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. 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 2023-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

Money received into cash app tried to transfer into my debit card but cash app says my card no longer works? Bank says acct and card are fine. Cash app says to get the money I have to enter my bank acct info no longer use my debit card then another agent says being rejected by my bank due to incorrect ZIP code bank says they have correct zipcode. I'm getting a run around but not the cash that's in the acct. It is repayment from my XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have sent several letters to the credit bureaus to updated my information and to remove incorrect information as well as inquires that were not authorized by me. 

The first attempt was on XX/XX/23 when I sent letters out to all bureaus with my drivers license showing my correct address which I have been at for several years and a copy of my utility bill with the same address. I received a letter stating that I would need to call in or dispute online and I was accused of using a third party. If I were to use a third party, that is my right but that was not the case in this situation. 

On XX/XX/23, I sent out another letter in response to the accusation of me using a third party and again asked for the incorrect information to be deleted. Once again my request was ignored and I received an email notification from XXXX via email, again telling me to dispute online which will take away my consumer rights, and XXXX has also sent me a letter stating the same. Unfortunately, Equifax has not responded to any of my request to remove these incorrect items from my report. 

The only third party I used was an online mailing company for mailing out my letters.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent several letters to the credit bureaus to updated my information and to remove incorrect information as well as inquires that were not authorized by me. 

The first attempt was on XX/XX/23 when I sent letters out to all bureaus with my drivers license showing my correct address which I have been at for several years and a copy of my utility bill with the same address. I received a letter stating that I would need to call in or dispute online and I was accused of using a third party. If I were to use a third party, that is my right but that was not the case in this situation. 

On XX/XX/23, I sent out another letter in response to the accusation of me using a third party and again asked for the incorrect information to be deleted. Once again my request was ignored and I received an email notification from XXXX via email, again telling me to dispute online which will take away my consumer rights, and Transunion has also sent me a letter stating the same. Unfortunately, XXXX has not responded to any of my request to remove these incorrect items from my report. 

The only third party I used was an online mailing company for mailing out my letters.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (DC)

Dovenmuehle Mortgage XXXX Inc. purchased my mortgage from XXXX XXXX Mortgage. I recieved a notice " Notice of Enforcement Action '' from Washington D.C. XXXX XXXX XXXX XXXX XXXX stating that I owe taxes from XXXX. I sent this notice to Dovenmuehle on XX/XX/XXXX and was told it had been resolved. I then recieved a " Notice of Collection Action '' one month later. It stated that the owed tax amount had not been paid and my account was now going to collections. I sent this second notice to Dovenmuehle on XX/XX/XXXX and they have yet to provide any update or resolution. 

There are over 500 reviews of Dovenmuehle Mortgage XXXX Inc. on XXXX with a 1.3 star rating. Many of the reviews are complaints about tax or escrow issues. Someone needs to hold this mortgage company accountable.
Consumer complaint received 2023-07-20
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. (FL)

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.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

HI 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 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Please reference last complaint # XXXX Attached is my latest correspondence : Citi, I had a conversation withXXXX XXXX On Wednesday The XXXX of XXXX. I informed her I was out of state and in the car that I would be back in NY and follow up with her then. Maybe, since you record all conversations you should review this one. 

XXXX XXXX initially would not give me her last name and said they are not provided with an employee identification number. She also said she needed to run a HARD inquiry on my credit report to initiate the claim. If this is correct that is fine, but i have not had this done before as I have just had my credit line increased by Amex and there was no Hard inquiry. I also asked to speak to a supervisor which XXXX XXXX replied that it was her. Please have someone contact me relating to this issue and reopen my inquiry. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-06-26
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: Exeter Finance, LLC. (NY)

AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-05-09
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 (IL)

Dear PayPal Team, I am writing to appeal the suspension of my PayPal account which was recently banned shortly after I registered for it. As a first-time user, I am not aware of any policy violations or suspicious activity on my account that would warrant such a decision. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

I have not had the opportunity to use my PayPal account yet, therefore, I am confused as to why my account was suspended immediately after registration. I believe that this suspension is unwarranted and unjustified. I would like to request that the necessary steps be taken to review my account and reinstate it as soon as possible. My account E-mail is XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

As of XX/XX/XXXX my accounts have been locked unable to close access any payment method for fifth third credit card or any withdrawals from savings account which holds {$1500.00}. I owe XXXX or nothing have paid off any loans always in good standing. Fifth third made a check available in my savings account before it cleared and then dispersed monies to me thinking that there were funds available. I then notified them that there were not that the check didn't clear. Brought the account in good standing that day. They still refuse to release my funds from my checking account it's been over 30 days now they're breaking federal laws and they're also refusing to let me close my savings account and credit card account. I have no access to anything with fifth third and they're holding {$1500.00} of funds for no reason.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (AL)

PAYPAL payment services is refusing to provide a refund on a disputed charge for {$190.00} for a purchased Medical Device from XXXX which was returned well within the 60 day period, USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX  Medical device was quickly returned at my expense as is caused pain in my XXXX XXXX XXXX spouse 's back rather than relieving it. This business has XXXX  complaints on failure to provide refunds. They had advertised a free 60-day trial and now have removed that, however that is inconsequential given the 60 day Fair Credit Reporting act that applies on returns. I in turn filed a XXXX XXXX dispute as that is how I was charged by PAYPAL.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX 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. 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 2023-06-13
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. (OK)

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-07-20
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. (GA)

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.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (KY)

We are involved in a lawsuit with a contractor that has been going on for over a year. For some reason our mortgage company, New Rez, sent mortgage statements and and other documents to the opposing attorney without our permission. We asked for an explaination from the New Rez legal department as to why this occurred. We have called several times over the past several months and have never gotten an answer. New Rez customer service and supervisors have told us they made an internal complaint on our behalf against their own legal department, but we have no way to verify this. 

We are trying to make changes to our escrow account but were told no changes can be made until the legal department says so, but they refuse to speak to us. We are not sure if this is a ploy by the mortgage company to keep us from making changes to the escrow account. Our account is frozen by legal and we want answers.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.