davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened a Citizens Access XXXX account on XX/XX/year> and funded it same day with {$25000.00}. Since then I can not touch the money or transfer any money out of account ( money is available but frozen ) and when I call the reps they say we have no information for you except that the account is under review and we don't know why or for how long. Citizens essentially held my money hostage and is not giving me access to any of my funds. At this point I want all my money sent back to the account it was funded from and I want the Citizens Access Savings account closed because these people can not be trusted.
Consumer complaint received 2024-07-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To who it may concern, I am sure youd agree accuracy and fairness of credit reporting is a extremely important to all consumers.

Our Congress made the following findings in regards to accurate credit reporting ; ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Reasonable procedures The fiduciary duties of consumer reporting agencies is not to be taken littlely. All consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. 

Right now USAA is in violation of the Fair Debit Collectiong Practices Act. USAA is intenionally attemping illegal debt collection practices.

I demand a VALIDATION OF DEBT of this alledged debt, pursuant 15 USC 1692g of the Fair Debt Collection Act.

a. Verify original creditor/name and address b. Verify amount and all statements connected to this alledged debt c. Verify any all alledged security interest that USAA is thought to have to have. 
d. Send a XXXX  copy of title stamped copy showing USAA as lien holder. 

XXXX. Send me XXXX XXXX XXXX all findings to verifying me as owing a debt in connection to this alledged debt. 

XXXX. When finding show I owe no debt ; immediatly XXXX  my car loan balance, and remove any and all negative marks in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (LA)

I noticed some transactions made on my Cash App account that I did not authorize. I contacted Cash App via email chat and the support in which they demanded document verification for Identification to verify my identity for my disputes of the transactions. Each and every time I uploaded ID photo and selfie photo along with selfie photo holding I.d . Each time in doing so would have a message saying couldnt verify identity. I contacted Cash App support they asked me to verify my identity by XX/XX/year> or my account will be closed as of XX/XX/year> Cash app closed my account before the due date. Saying I was out of luck and couldnt do anything. I have been cooperating, uploading documents requested of me in which they blatantly lied and closed my account, regardless without refunding the unauthorized charges on my account stating they can not help me in the chat was going to be ended. Leaving me with nothing and blaming me the consumer leading me to believe what they said and doing the complete opposite cheating me the consumer out of their funds or helping to resolve the issue of not being able to verify identity in which I cooperated with every request honestly and truthfully. I stood no chance resolving these issues and unauthorized charges with this company. Cash App blatantly stole from me without cause. I have copies of all documents, chat, logs, disputes, and emails all in in regards to this issue.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

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 Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

An escrow account was set up w/o our request, approval or need. I have been current with my mortgage, principal, property taxes and property insurance. I have never had an escrow account and I do not want one. I have contacted the lender a number of times and I get a variety of stories as to why it was set up and how to resolve it, i.e. close the escrow account, but to no avail. This has been open for over a month with no resolution. The Escrow Department passes it to the Bankruptcy Department and they do not get on a call with me together to discuss. I would like this resolved ASAP. Any help you can provide would be greatly appreciated. Thank you.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Freedom Unlimited credit card. On XX/XX/year> I received both email and text message from Chase regarding a fraud alert charging me {$600.00} from XXXX XXXX XXXX with {$18.00} Foreign Transaction Fee and {$2500.00} from XXXX XXXX. I immediately responded " NO '' to both email and text message, denying both transaction. In fraud alert, it stated that the transaction was declined. I called Chase personally and had my credit card cancelled. XX/XX/year>, I received a letter from Chase saying that the transaction was valid and charged my credit card {$600.00} with {$18.00} Foreign Transaction fee. I called Chase why was I charged and how did they come to a conclusion that I made that transaction and I was told that it verified using my phone number. I called Chase and sent the screenshot of the message they sent with my reply " NO ''. I was told they will re-submit the fraud claim and to wait another 15 business days. As far as the {$2500.00} from XXXX XXXX, they haven't send me any letter regarding this and remained off of my credit card charges. 

*****I am re-submitting this complaint to correct the dates. In my first complaint I stated I received the letter XX/XX/year> instead of XX/XX/year>.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (OH)

on XXXX XXXX MRS BPO LLC was added to my XXXX credit report for the amount of {$660.00}. After contacting MRS BPO LLC i was advised that they are collecting on behalf of XXXX XXXX, numerous times i have requested a verification of debt, an itemization of debt. MRS BPO LLC simply sends me a letter saying the name of the company and the amount on their letterhead, nothing actually from XXXX XXXX proving that this is a legit debt owed by me. I've scheduled a payment to settle account with MRS BPO LLC but that arrangement has been canceled due to MRS BPO LLC not providing legit proof that i owe this debt. 
my phone provider has been XXXX XXXX for at least 10 years now so i would have never had a need to get a XXXX XXXX phone. The company has my name listed as XXXX XXXX, that is not my legal name. 

MRS BPO LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENOVA INTERNATIONAL, INC. (KY)

CASHNET USA is showing up on my credit report repeatedly for a loan from the year XXXX. They continue to renew this loan on my credit report and the most recent renewal is XX/XX/XXXX. The telephone number listed gives me other numbers to call. Eventually, I am connected to a voicemail where no one is available. They refuse to resolve this issue and there is no one who will help me. This debt continues to affect my credit report XXXX years later.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TN)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me XXXX XXXX, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

POLICE REPORT # XXXX I was a victim of Debit card fraud on XX/XX/year> at Chase Bank XXXX Address and time of transaction is below : Chase Bank XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX, in person at teller with only debit card ( no identification ) Chase allowed the thief to use a stolen debit card in-person at a teller to withdraw {$6500.00} from my savings account without proper identification. To be able to withdraw that amount of money from a savings account without proper ID is negligent on behalf of Chase. I have filed a police report and plan to involve a lawyer as Chase has denied my claim. 

Police are investigating, and camera footage will make it clear that it was NOT me in the bank and that proper ID was NOT asked for. I plan on taking this to the highest level as this is my personal savings account and I counted on Chase to protect my money. I've spoken with XXXX managers in-person as well as speaking with Chase claims and no one will assist me.
Consumer complaint received 2024-06-14
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. (NY)

I am writing with urgent concern regarding fraudulent accounts and incorrect information that have been wrongly reported on my credit file. As a victim of identity theft, it is crucial that this matter is addressed immediately. I insist on the following actions immediately : Remove all fraudulent accounts from my credit report. Provide written confirmation that these items have been removed. Conduct a thorough investigation into how these accounts were reported erroneously. Ensure that all future credit reports reflect accurate information and are free from any fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate and correct errors on credit reports. Failure to comply promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 
The following accounts are fraudulent and must be removed from my credit report without delay : XXXXXXXX XXXX XXXXand XXXX XXXX XXXX.
Consumer complaint received 2023-10-27
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (MN)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SoFi Bank XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Notice of disputed charge to Account No. XXXX Dear [ Contact Person or Billing Inquiries Division ] : I am writing to dispute a charge of {$410.00} & {$24.00} to my Debit Card account on XX/XX/year>. The charge is in error because I selected a departure & return flight thru XXXX. Upon payment for my airfare I received an itinerary with a different return date than I selected. I reached out and was advised it was because the flight filled up. So I made the agent aware that return flight would not work for me. Was there any other options in which I was advised no. I said if thats the case you should not have allowed me to pay for the flight I selected. If you cant accommodate my request please refund my purchase. I was told they would work on that. However I have not been contacted in any capacity except one e-mail. 


I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of [ describe any enclosed information, like sales slips, payment records, or documentation supporting my position and experience. Please correct the error on my account promptly. 

This was written to along with screen shots from XXXX & provided to SoFi Bank. I was advised in 10 Business days I would receive a credit or provisional Credit. I called today 12 business XX/XX/year> to be advised it may now take 90 days. I said thats perfectly fine. However you will be providing me with a provisional credit correct which was stated to me upon opening my dispute correct? I was hung up on after asking this question.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NJ)

Good Afternoon, I disputed this account requesting it may be removed from my credit report because of the agreement I entered with Affirm. The account was agreed to be paid in full for deletion. As soon as the payment was made in full in ONE payment, Affirm agreed to have account removed/deleted from my credit report. Attached you will find the payment that was made years ago in which affirm never removed.
Consumer complaint received 2024-09-05
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. (NJ)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Freedom Unlimited credit card. On XX/XX/2024 I received both email and text message from Chase regarding a fraud alert charging me {$600.00} from XXXX XXXX XXXX with {$18.00} XXXX XXXX XXXX and {$2500.00} from XXXX XXXX. I immediately responded " NO '' to both email and text message, denying both transaction. In fraud alert, it stated that the transaction was declined. I called Chase personally and had my credit card cancelled. Now XX/XX/2024, I received a letter from Chase saying that the transaction was valid and charged my credit card {$600.00} with {$18.00} XXXX XXXX fee. I called Chase why was I charged and how did they come to a conclusion that I made that transaction and I was told that it verified using my phone number. I called Chase and sent the screenshot of the message they sent with my reply " NO ''. I was told they will re-submit the fraud claim and to wait another XXXX business days. As far as the {$2500.00} from XXXX XXXX, they haven't send me any letter regarding this and remained off of my credit card charges.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I applied a loan modifications at Nation Star Mortgage XX/XX/XXXX and until now I have n't got the approval & gt ; & gt ; and kept saying that the loan was denied due to missing documents & gt ; & gt ; This is not true because I am very much concerned to keep the house for investment & gt ; & gt ; I am behind of almost 2 years for the payments and they are stressing me out to pay it so I can keep the house otherwise it will be foreclosure & gt ; & gt ; According to my tenants who live there right now they have been harassing them and gave the letter of foreclosure XX/XX/XXXX gt ; & gt ; take pictures of the house outside & gt ; & gt ; I am retired XXXX and receiving social security XXXX taking care of adopted son and want your help to stop the foreclosure I was able to pay the monthly that time & gt ; & gt ; I really want that house to keep for my investment in the future & gt ; & gt ; Thanks for your consideration and your kindness. 
The complete detail of the mortgage & gt ; & gt ; Nationstar MortgageAttn. Making Home Affordable Loan Modification processing XXXX. XXXX XXXX Texas XXXX XXXX Loan SpecialistTel. No - XXXX XXXX XXXX ext. XXXXFax no. - XXXX XXXX Loan no - XXXX owe {$89000.00} as of now and the house is worth {$130000.00} according to the market valueI really need your attention to help me to solve this problem because it 's affecting my medical problems & gt ; & gt ; I am on XXXX twice a week because XXXX I am having right now & gt ; & gt ; The doctor advised me to lower the stress to keep me healthy & gt ; & gt ; I just had XXXX XXXX XXXX XXXX XXXX & gt ; & gt ; I am divorcedHere is my tel.cell no.- XXXX XXXX XXXX XXXX XXXX - XXXXXXXXXXXX, XXXX XXXX XXXX