davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX  XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$60.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I found inaccurate information in my EQUIFAX credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX
Consumer complaint received 2023-11-16
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: Spring Oaks Capital, LLC (SC)

Spring Oaks Capital LLC is continuing to post fraudulent information to my consumer report. XXXX XXXX XXXX   is fraudulent and I have filled out an identity affidavit with the FTC and provided the company with supporting documentation. They have been notified by myself and other consumer reporting agencies, but they have ignored my claim multiple times. The affidavit was filed on XXXX  It is now XXXX  and the fraudulent information is still being reported on my credit report. This is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Which states that fraudulent information should be removed from consumer reports no later than 4 business days of notification. Spring Oaks Capital also violates 15 U.S. Code 1681b ( a ) ( 2 ) which states the consumer has to give written instructions to what is allowed on consumer reports. I have not given Spring Oaks Capital any instructions to post information on my credit report.. If so, proof will need to be provided. If there is no proof, then this is a violation. They have also responded by saying they have supporting documents like bank statements, bank verification, agreements, ledgers and signed policies. I have NO KNOWLEDGE of any of these items that they speak of. They have received all documents ELECTRONICALLY with NO PROOF that the account was actually opened by myself. ANYONE can open an account electronically. By continuing to post this fraudulent account is negligence. This account will need to be DELETED/REMOVED from consumer report ASAP. 
I will be attaching the supporting documentation that was sent to Spring Oaks Capital in this complaint.
Consumer complaint received 2023-11-16
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 (KY)

Dear PayPal Support Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been imposed in error, as I am certain that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Having been a loyal PayPal user for an extended period, I have consistently upheld PayPal 's terms and conditions. It is of utmost importance to me to maintain a trustworthy and positive relationship with PayPal, and I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that such a review will uncover a misunderstanding or error. I am prepared to provide any necessary documentation or information to substantiate my appeal. The reinstatement of my PayPal account would not only alleviate the current financial inconvenience but also enable me to continue utilizing PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If there are any specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly anticipate a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NJ)

I applied online for the US Bank Cash Plus credit card in XX/XX/2017, using a sign-up bonus, that I get {$150.00} after spending {$500.00} within 90 days of getting my card. I spent the {$500.00} within the timeframe. I have still not received the {$150.00} bonus. I emailed US Bank to inquire, and they advised me I did not sign up with this bonus, when I used their link online clearly promoting the sign-up bonus. I have attached 2 files - the advertisement from US Bank with the sign-up bonus, and their email to me saying no bonus
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (VA)

I recently set up a square business account since I am working on starting my own LLC. I completed a job for my current employer but it was not a part of my salary job. I sent and invoice to the XXXX who paid the invoiced amount via bank transfer. I have waited 6 days and my invoice payment was finally processed but now square is holding the transaction until they have reviewed it. I called square to see if I could expedite this process and was told that the funds would be release by the end of the day. I submitted additional paperwork and called back to confirm that they received it and was told that the previous person I spoke with was incorrect and that I would still have to wait the 2 days that will end up being 4 days because of the weekend. I asked for the information of the personal o spoke with previously and to speak with a manager and was denied by the rep stating that the manager agreed with them. Square is holding {$3000.00} of mine that o worked hard for but had no problem taking their cut of the money.
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OH)

I am unaware of the debit made to my credit and i am receiving abrupt phone calls and text messages. the name of the debit collector is SUNRISE CREDIT SERVICES, XXXX XXXX for {$2600.00}. I would like to have this removed from my credit.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On or about XX/XX/, I purchased a modem from the website XXXX. When the modem came, it was discovered by XXXX that it was stolen. When I reached out to XXXX, I was told that I did not dispute the claim on time and due to their policy there was nothing that could be done. I even contacted the seller and they read the message with no response. I disputed the information with the bank. Several weeks later, the charge was reversed.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

I am a beneficiary on a traditional IRA at First Citizens bank. The name they have listed for me as beneficiary is under an old name of mine ( it was my legal name at the time, but since then I have changed my legal first and last names. I have already provided First Citizens the name change documentation ). The person holding the IRA has died and I therefore I set up an inherited IRA with XXXXXXXX XXXX to have the funds transferred into. I completed the paperwork with XXXXXXXX XXXX  and XXXX sent them to First Citizens, then First Citizens rejected the request stating the name of the beneficiary does not match the name the check is to be written to ( and of course I had already explained to them about my name change ). On XX/XX/23 I received andemail stating that the only way they will issue the check in my current legal name is for XXXX to add the wording " formally known as ( my former name ) after my current legal name ''. I have spoken with supervisors at XXXXXXXX XXXX  and was told XXXX is unable to do this and that First Citizens has the legal responsibility to look at the name change documents I have provided them and issue the check in my current name. In addition, First Citizens needs to send that check directly to XXXX XXXX and follow the other instructions, so that it goes directly from IRA to IRA and is not treated as distribution. There is not a First Citizens branch near me ( the closest is about 2 and 1/2 hours each way and it is not clear that even if I drive there they will honor this ). I just need First Citizens to use the name change documents I have provided, I also have other things in previous name if that would help. Then issue the check as directed by XXXX XXXX. Please help! Thank you
Consumer complaint received 2023-11-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (KY)

I received an email a handful of months ago about a debt that was supposedly owed. I asked for a debt validation letter and one was never sent. Its been well over two months, if not three, since then. They just sent the same details with what amounts were due over and over again and never replied to my emails. 

Additionally, under Kentucky Landlord Responsibilities ( KRS XXXX ) they are required to have Electrical, plumbing, heating, air conditioning, and other facilities must be kept in good condition and they in fact were not. They were told the air conditioning was not working and it reached well over XXXX degrees in the household when I had a XXXX in it. They did not respond to the email, nor fix it. Months later, I left, as it was inhabitable to live in a place that hot with baby. After speaking to the heating company they worked with, they told me all units were way too old and needed replaced as repairing it wasnt going to help them keep up since they were outdated. Many others around me had the same issue. I offered to make a payment for the past due rent amount even though the details were wrong and not validated, but was not going to pay all of the fees given they legally had to fix the issue and didnt and therefore I, under law, was allowed to end it. The company did not ever reply. They did not follow the guidelines they were required too.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

On XX/XX/2023, I received a notification that my credit score dropped. I immediately checked XXXX and there was a collection of {$150.00}. From some agency by CCS. As I had no idea who they were, I disputed the amount with XXXX and XXXX took it off of my credit. However, I went to XXXX and XXXX XXXX and that same charge was still listed on my credit report, even after submitting a request for this to be removed from my credit it still shows. I was never sent any documentation informing me the reasoning behind this collection or even what this collection was. This dramatically dropped my score, which is completely unfair as I was never even made aware of this collection. Upon reviewing my credit report, I noticed the aforementioned collection account, and I would like to highlight that I have no knowledge of this debt or any business dealings with the alleged creditor. It is crucial for the sake of accuracy and fairness that this dispute be resolved in a timely and appropriate manner.
Consumer complaint received 2023-11-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I received two American Express gift cards in XXXX of 2023, one with a balance of {$10.00} and the other with a balance of {$50.00} and I can not use either one online or in store. I have tried multiple merchants and websites, different amounts, and its declined every time. I tried calling the customer service number on the back of the card, but it does not offer the option to speak to a person, and the automated options are to either check your balance or report your card lost or stolen. The cards are activated ( I was able to verify that online ), but that's as far as I can get.
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (MI)

I have been trying to get a multi-pronged escrow issue sorted for over two months now. Initially there was an incorrect property tax amount assessed and paid our of escrow - no fault of Flagstar. I had the issue corrected with the assessor, provided all adjusted tax documents and refund to Flagstar the first week of XXXX. While a new escrow analysis was being run, we got a request to provide proof of wind coverage in our homeowners policy. Both myself and our insurance agent provided that proof a total of 3 separate times with confirmation from Flagstar that it was received and satisfied the requirements. Despite this, Flagstar purchased a forced insurance policy XX/XX/2023 in the amount of {$2300.00}. I contacted Flagstar, they acknowledged they had proof and should not have purchased the policy and subsequently initiated a refund. However in that time the new escrow analysis showed an even larger deficit thanks to the unnecessary policy purchased. As a result we had to make a payment {$600.00} higher than our normal monthly payment. Now, a new escrow analysis has been requested, which Flagstar has indicated will not be complete for at least 15 days. Which means we will make yet another overpayment of {$600.00} on our XX/XX/XXXX payment. 

I have sent XXXX separate messages since asking for an expedited process to avoid floating $ XXXX that shouldn't be in Flagstar 's possession had it not been due to their negligence, haven't heard a word back. In addition, in the meantime they have charged {$52.00} due to a " lapse in coverage '' that did not actually occur. Our insurance agent has provided proof of such and we expect a refund, but that does not change the fact that this is yet another insurance/escrow error that required me catching, calling in on, and requesting a resolution. I have a complete lack of faith in their ability to properly service our loan at this point, and have experienced completely unsatisfactory efforts in attempting to resolve the issues that I bring up despite the fact that I have come with all necessary proof/documentation to do so.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I found inaccurate information in my EXPERIAN credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

I have also attached the FTC report with the report number XXXX.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (PA)

This company is still contacting me even though I have told them to cease all communication pursuant to 15 U.S. Code 1692c. They had decided to " honor '' my request but still continue to contact me indirectly via credit reporting. This is a clear violation of the fair debt collection practices act. This acts states that a debt collector can not communicate with a consumer directly or indirectly through ANY medium. Credit reporting is an indirect medium that this company is choosing to indirectly communicate with me. Additionally, I did not endorse any contract with this company and I demand proof that I did endorse it and that this company, Radius Global Solutions, also endorsed it pursuant to Uniform Commercial Code 3-203. If they can not provide proof, I demand justice. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.