davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (WI)

US bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  is not appropriately identifying individuals opening accounts. XXXX XXXX XXXX if not more of cash deposits are being deposited each year by individuals from Unknown origins. I believe the bank manager is helping aide this scheme.
Consumer complaint received 2024-01-31
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: HYUNDAI CAPITAL AMERICA (FL)

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 XXXXXXXX all violated 15 USC 1681 c-2, 15 USC 1681 eb, 15 USC 1681b and 18 USC 1028A.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I appreciate the efforts you have made so far, but it is imperative that the investigation is executed fairly to ensure the removal of all fraud-related entries on my credit report. 
As you are aware, several accounts were reported as fraudulent, and while I acknowledge the successful deletion of some of these entries, it is perplexing and disconcerting that others still persist. I find it difficult to comprehend how, despite the previous deletions and escalations of fraud accounts, another fraudulent entry has been allowed to exist on my credit report. I demand an explanation for this oversight and insist that corrective action is taken without delay. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
I urge you to remove the remaining fraudulent accounts promptly to rectify the unwarranted damage inflicted upon my credit history. It is your responsibility to ensure that my credit report is an accurate representation of my financial standing. Any delay in resolving this matter will only result in further harm to my credit score and financial standing.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Norwich Commercial Group, Inc. (GA)

I received an email from XXXX XXXX in XX/XX/year> about the mortgage firm encountering an underwriting issue that led to my loan being at risk of being canceled. After several emails back and forth regarding my employment, I eventually received an email proposing a no-cost refinance to help alleviate the initial concerns. Despite reservations, I proceeded to complete an application to refinance my home mortgage with them, as directed by XXXX XXXX, VP of Production at Norcom Mortgage, who instructed me to apply under XXXX XXXX, the founder and CEO of Norcom Mortgage. I submitted all required documents on Friday, XX/XX/year>, and underwent a credit pull on Monday, XX/XX/year>. However, to date, I have not received any communication from the company despite multiple attempts to reach out, including calls, voicemails, and an email to XXXX XXXX. It is my understanding that they are legally obligated to provide updates on the status of my refinance application at this time, yet they have failed to do so. I feel misled and deceived by their lack of communication.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I reported a fraudulent account on my consumer report to XXXX and EQUIFAX. This account is from a company name XXXX XXXX XXXX # XXXX. I do not have any business with then whatsoever. i filed an ftc report and i made EQUIFAX AND XXXX aware and put them on notice about the fraud. see attached letters sent certified with green reurn card XX/XX/2023. Equifax XXXX XXXX XXXX the fraud account was removed then put it BACK on my Consumer Report WITHOUT A FIVE DAY NOTICE. 
THEY ARE VIOLATING. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. 
I have attached all the relevant documents pursuant the above Section of the law. 
I demand all the above Fraudulent accounts DELETED immediately. 
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) THIS IS HURTING HARMING MY CREDIT I AM IN THE MIDDLE OF THE HOME PROCESS THIS IS DAMAGING..
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

it is illegal to report transaction history per 16 cfr part 313 a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. 

( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. 
& 15 usc 6805. They said they would not conduct in solicitation or language fraud in 17cfr424. XXXX, XXXX and XXXX is a credit reporting agency and did not give me notice in writing with my opt out options.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

I got an email and text message that an account was opened for me at XXXX. I didn't request this account to be opened, and I have no idea if that company is legitimate. I called their number XXXX to close the account, but they refused to close the account unless I give them PII ( ssn, dob etc ). I don't know if this is a real company, or if they just email people and then demand PII when they're called. I told them they could look up my phone number and email address and close the checking account. They refused.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX I received a XXXX  message from supposedly my bank USAA XXXX asking if Authorized a XXXX transfer for XXXX $ out of my account, I replied to it " no ''. I got a call from USAA immediately ( not really USAA, but caller ID says it is ). I answered the questions, like what is your USAA number and so forth, they had the USAA waiting music, do you want to do a survey and everything like USAA ) and the so-called USAA representative transferred me to the supposed fraud department. I spoke to someone who claimed my old cell phone was being used in XXXX XXXX ( an XXXX XXXX, which I wasn't able to clear out prior to sending it into XXXX ) they contacted me due to it not being in my normal location. They asked various questions like my PIN number which I have given PIN numbers to get into my USAA account when I have spoken to them in the past. They claimed they that they were going to set me up with a new checking account and they would be transferring my money to a new account, they would overnight checks and that I could continue to use my debit card. They also told me to delete my XXXX from my phone until the following Monday on XX/XX/XXXX in order for them to reset my account and so forth. I did this not knowing it was fraudsters. I put my XXXX back on my phone on XX/XX/XXXX and seen I wasn't set up with the new account and that my account was negative, which I thought was strange. I called USAA at lunch time between XXXX and spoke to someone who basically didn't see the " new account '', and she transferred me to the fraud department. I had waited as long as I could but had XXXX waiting and I had to go work. I called the following day to see what was going on, I seen my bank account was shown to be even more negative. I got to speak to an actual person with the fraud department who let me know, that a new checking account wasn't set up and had me reset my username and password to my USAA account and told me that USAA would do a fraud investigation. A few days later I also received a call from USAA asking me if I had applied for a credit card, which I did not, it was again whoever had taken this information. USAA did XXXX different fraud investigations and deemed the clean out of my account as not fraud. A total of {$15000.00} was taken by the fraudsters. USAA did refund {$1600.00}.
Consumer complaint received 2024-01-30
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 (WI)

Dear PayPal Support Team, I trust this message reaches you in good health. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me. I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

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

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

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-30
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. (IA)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # 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 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (FL)

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 Subject XXXX Dispute of Charge-Off, Down Payment, Credit Inquiries, and Removal of Hyundai Finance from Credit Reports Account number XXXX To Whom It May Concern, I am writing to dispute several issues related to my account with Hyundai Finance Company, as well as to request the removal of Hyundai Finance from XXXX and XXXX under Section 609 of the Fair Credit Reporting Act ( FCRA ). Furthermore, I request a cease and desist, and the release of vehicle titles and forfeiture of the vehicle contract. 

1. **Charge-Off and Down Payment Issue** : I am disputing the charge-off status on my account, as I believe the down payment made was done so under questionable circumstances and may have been illegal under U.S. Code 1666a. I request a thorough review of the down payment transaction and the charge-off status on my account.

2. **Credit Inquiries** : My credit was run in remedy, as stated in U.S. Code 1662 and U.S. Code 1635. I was not adequately informed of this action, nor did I authorize the credit inquiries made on my behalf. I request clarification and resolution regarding these credit inquiries. 

3. **Removal of Hyundai Finance from XXXX and XXXX : Hyundai Finance has been removed from my XXXX credit file, and I request the immediate removal of Hyundai Finance XXXX XXXX XXXX and XXXX credit reports under Section 609 of the FCRA. The inaccurate reporting negatively impacts my creditworthiness and financial standing.

4. **Cease and Desist Request** : I request that Hyundai Finance cease and desist all reporting activities related to my accounts. Please refrain from further reporting to any credit reporting agencies regarding my accounts, as it is my right to request such action under the FCRA. 

5. **Request for Vehicle Titles and Forfeiture of Vehicle Contract** : Furthermore, I request the immediate release of vehicle titles associated with my accounts held by Hyundai Finance . I hereby forfeit the vehicle contract associated with the aforementioned accounts and request that Hyundai Finance take the necessary steps to facilitate the return and transfer of ownership of the vehicle ( s ).

I expect a prompt response to this letter within the statutory timeframes outlined by the FCRA. If you require any further information or documentation, please do not hesitate to contact me at Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

I have attempted to us a Pepaid American Express Rewards card that was sent to me virtually ( no physical card ) on multiple online vendors. Everytime I attempt to use the card it is declined even though I include the correct card number, CVV, and expiration date.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my XXXX. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit on open and any consumer plan as late for any purpose
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX MISSOURI Balance {$430.00} Balance updated XX/XX/2023 NATLCRSYS Original creditor XXXXXXXX XXXX XXXX XXXX XXXX Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXX XXXX  Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updated XXXX XXXX, 2023
Consumer complaint received 2024-02-07
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 (CA)

I earned XXXX gift cards from my work ( {$200.00} and {$400.00} ) which I wanted to use for purchases on XXXX. I have tried everything to get these cards accepted but to no avail. I made several calls to Amex who told me that they are " temporarily unavailable '' for use on XXXX due to " technical upgrades ''. Unfortunately, Amex gift cards still can not be used on XXXX. This was in XXXX, and it is still not resolved. I also tried using the cards on XXXX, XXXX, XXXX, XXXX and XXXX with the same results. 

How can Amex offer these " gift '' cards that do not work anywhere? I feel like I am being robbed of XXXX I earned. Can you help resolve this issue? I am sure I am not the only one who is having this problem.

Thank you for you time.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several errors on my XXXX, XXXX and TransUnion credit reports. They are as follows : Accounts are XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. The erroneous inquiries are 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
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have