davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I purchased a comprised XXXX XXXX XXXX XXXX XXXX XXXX Security code XXXX Exp XX/XX/XXXX on XX/XX/XXXX. I purchased from XXXX XXXX for XXXX. When I tried to activate it XX/XX/XXXX It showed a XXXX balance. I checked and somehow it was used at a XXXX  store on XXXX XXXX CA on XX/XX/XXXX XXXX hours after I had purchased it. Long story short... I called the XXXX and spoke with some person names XXXX ( Im sure it made up ) I advised how can a card be compromised when sealed unless the store clerk or Tech savvy people inside visa are boosting peoples info before the package is unsealed? 

I got a XXXX response of would I like to fill out survey. I said no I need my money back. The person then gave me some fax number of XXXX. I did everything they wanted me to do and fax to prove I was the owner : 1 ) You need a valid drivers license or valid id 2 ) Copy of your visa card front & back. Make sure its a light copy so it can be readable. they say 3 ) Copy of your utility bill or something with your name and address on it.

4 ) Copy of orig. receipt of where you purchased then fax this XXXX along with the ID # they gave me XXXX XXXX Then a statement showing Please register this card under the name and address shown. Wait XXXX days for a response. I faxed 4 times and after all this no agent was willing to help. Every time I called on the status of a replacement card, they just gave me the runaround or hang up on you. There excuses were : You must fax your info with 200 % and XXXX shades lighter or some XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was financially struggling but remaining in communication with Capital 1 in regards to my Capital 1 credit card. I paid off my credit card this summer under the advice of their staff that stated that I would be able to have use of my card after I paid. 

When I paid and called back to have the restriction removed the first person I spoke with said that the account was not closed -Staff name is XXXX XXXX 

The second person I spoke with XXXX ( XXXX ), stated that there was a permanent restriction on my account and that I could reapply for another card. This goes against everything I had been told previously and I feel I was mislead intentionally so that they would get their money back. 

The third person I spoke with ( XXXX XXXX XXXX stated that the account was not closed but restricted. Again I was not sure what this meant given the card could not be used and that reapplying would mean a new injury on my credit which I wanted to avoid. She stated that she would document my compliant but when I asked for a confirmation of the complainant being filed she stated that she was a manager and unable to transfer the call any higher and that there is no formal compliant process which I also asked to be documented that I was upset about she directed me to write a letter to Capital 1 if I wanted to file the compliant with response. she stated that there was a letter which I never received. 

I was financially struggling but still choose to pay back the card company as I am really trying to work on my credit I feel I am being punished for trying to do the right thing. There were times I choose not to buy fruit and vegetables because I wanted to pay back my card company and another time I choose to pay back Capital 1 instead of paying lights. I was dedicated to building my credit and having access to a credit card again as it is the only one I have. I would not have made these extreme sacrifices during my time of need if I had been informed that I would not have access to that card in the future. I was fully under the impression I would be able to use my card again in its full capacity once I paid my restricted account and not one representative that I spoke to while my account was still owed corrected this for me even after conversation with them about using the card responsibility in the future. This is misleading and I was purposely not informed about the account restrictions. 

What I really dislike about this is that they made money off of me being in hardship. I believe I paid more in interest and late fees than I ever spent on the card.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I started an account and had every intention of using the account. My other accounts have XXXX figures in them. About XXXX months ago I started receiving {$25.00} fees on the account. When I called in 60 days ago the representative told me that she fixed this for me, I would not receive any more fees and credited me back the {$50.00}. Now I have received those fees again and they are refusing to credit me back those fees. Call XXXX XXXX, XXXX told me that he assumed I was given proper counseling to avoid this situation and that is incorrect. I have been with Bank of America since the XXXX 's and I can not believe I am being treated this way, especially by a member of management. Being in customer service myself I know that they are better than this as I have never had poor service like this in the past. I am requesting that the {$50.00} be credited back to me.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (TX)

On my credit report is XXXX XXXX XXXX for XXXX I wrote a certified letter asking them to validate the debt because I had never been contacted nor did I owe this kind of money to anyone. There was no reply. It's been a year and still no validation. I called and they said it was for speedy cash. I haven't had a speedy cash loan... ever. I even checked my bank account to be sure and nothing for the last 10 years has ever been deposited in my account from speedy cash.
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (MN)

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. 
Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : Diversified Adjustment Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  SS Account Number XXXX XXXX Account Name : Unknown Account Number : 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 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 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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. 
Account name : Get It Now XXXX Account number : XXXX Account Name : Get It Now XXXX Account Number : XXXX Account Name : Diversified Adjustment Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  SS Account Number XXXX XXXX Account Name : Unknown Account Number : 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 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 2023-08-18
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: Experian Information Solutions Inc. (CA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-07-28
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: Spring Oaks Capital, LLC (AR)

Spring Oak is claiming to have sent proof of documents in the following debt validation to me in which I did not receive it in 30 days nor did I receive what I have requested. 

Please see the letter sent an attached below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Debt Validation Letter To whom it May concern, I am writing under the Fair Credit Reporting Act and am asking for crucial and legal information ( see below ). 
In addition, I am asking for any negative items to be removed promptly based on Code 15USC1681 or if any legal items below can not be sent within 30 days. I am requesting the following to be sent to my address above : Original debt contract with my signature, Proof of Debt assignment, All legal binding contracts, Payment history Name and address of original creditor I am requesting this to be sent immediately to my address or within 30 days or promptly remove accounts and negative marks from my credit report and all 3 Bureaus immediately. Kind Regards XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I am not receiving the documentation I have requested nor have I received it within 30 days, and by law must be removed from my account. 

Because they are not following the following laws this must be removed immediately from my credit report.

15 US C 1681 section 604 A 15 US code 5 1681
b
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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.

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. 
XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

For over two years I have requested documentation on the number of foreclosures, census tracts and value of the homes at the time of foreclosure. Wells Fargo has not responded to my request. On the day of my foreclosure sale, I provided documentation that that were funds available to reinstate the loan. This was the exact information that I had provided 30 days prior. I was attempting to get a modification which was denied because utility bill which was mailed to my post office box was not mailed to the house address. Although the bill had the service address noted. This was unacceptable to me because in a previous modification this documentation had been accepted. I believe my case on e on my any in which Wells Fargo was attempted to clear and clean its books of low preforming mortgage loans in low to moderate income areas by shifting them to a another sister organization owned by Wells Fargo once they were foreclosed.
Consumer complaint received 2023-08-18
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 called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and late closed that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and late closed, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I canceled my internet service with XXXXXXXX XXXX I returned the device- router via XXXX XXXX Company claims they havent received the device and tried collecting a fee for not receiving device. I called to let them know I had returned this device. I received a notice later from collections. My credit score is affected by this erroneous charge.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (FL)

In XXXX of XXXX  a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I found an " adoption '' page on XXXX for XXXX  XXXX kittens, selected a kitten from their page I wanted to adopt, paid the deposit that was required for the kitten using PayPal, the required form of payment ( {$700.00} ). A week later, after speaking with the individual whom I adopted the kitten from for a week, had a signed contract, and a receipt for my purchase, I was sent to a home in NJ, XXXX hours away from my home to pick said kitten up, and it was a scam. The address was " fake ''. There was no kitten at the address given to me. I was told to wait in the driveway, they were on their way there, however they never showed up, then they blocked me from being able to message them. I tried to recover my loss through PayPal, and they told me they could not help me because I used the " friends and family '' way of payment, and there was no way to guarantee that I got what I had purchased.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 2016-03-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

The Condo that I manage received a Certificate of Title to unit XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL XXXX because the owner did n't pay maintenance dues. The unit stinks up the hallway and the a/c does n't work so mold will cover the unit soon. Not to mention the abundant amount of live roaches which will eventually make their way to neighboring units. Is there a way to speed up the bank foreclosure?
Consumer complaint received 2023-08-19
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2015-06-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

XXXX days ago XXXX Wells Fargo contacted me and said he could help me with HARP. Basically I owe {$160000.00} on my house and he was going to put me into a new loan for {$210000.00} and now money was coming to me. So I told him I did n't want to take this loan I am afraid that he will robo sign the documents and force me into this upside down loan his email address is XXXX