davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

Macy department sto re has allowed other people beside me to make purchases in  XXXX  dollars after I informed them many times that I have been victim of identity theft. I have talked to frauds, frauds analytic, and many fraud department managers and so far they just promise that they are investigating.. I have a documentation of all the above the names of macys employee and a copy of my statements. I have also informed them the history of the theft, the police report, the detective name and her number and the prosecutors office in  XXXX   County  and the name of the prosecutor with the case number and months have passed and they are still sending bills and nothing has been done with the investigation and we have been receiving letters in the mail every month requesting that I pay and I believe they sent my name to collecting agency and I have been verbally abused due to their negligence.
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MI)

I have had a mortgage for nine years. I was divorced in XXXX 2016. This whole last year my ex XXXX XXXX XXXX XXXX XXXX and has sqatted in the house without allowing the two sales for over full price. I kept this bank up to date on everything from day one about his XXXX and a court ordered XXXX That it was handed over to our lawyers to iron out any issues with this banks lawyers but to no avail. Then the bank said no to court ordered in deed of lieu to protect me from his deliberate attempts to ruin me. They screamed at me to pay all overdue funds when I was in hiding for my safety not saying anything to my ex who had been fired again for illegal behavior. This bank only protects those who do wrong and punishes the responsible home owners. All of our conversations where recorded, with bank employees screaming at me. It is now in a redemtion period and I was just qualified for a better rate and full mortgage but the mortgage division stated that my lawyers protected him and not me.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Wayfair/Comenity Bank is reporting 3 missed payments. This is incorrect. I have made all my payments and have paid extra. 

They are reporting XXXX, XXXX & XXXX as missed to all three credit companies. Plus I thought that during a Covid 19 they were not allowed to report anything bad on your credit anyway so the one in XXXX is breaking the law as well. 

I made a {$100.00} payment in XXXX, a {$65.00} payment in XXXX, {$74.00} payment in XXXX & {$37.00} in XXXX. That is a total amount of {$270.00} dollars. at my min payment of {$37.00} a month I have overpaid this year so far {$17.00} dollars.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

We ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) have been using Square Up for my XXXX XXXX for XXXX plus years and we have never had any issues with them that we knew about until just recently. Yesterday, I went to go transfer about {$10000.00} into one of my bank accounts so we could pay our bills and I noticed there was about {$3500.00} missing out of our account with Square Up. So I called down to their company to find out what happened to the money and they explained that we were on what they call " reserves '' and we would not receive our money back until they deem it necessary to give it to us. I asked why, they said " in case there was a charge back that hit our account ''. You'll notice I uploaded a bunch of screenshots that show you over the last 4 years almost we have only had two chargebacks to the tune of {$820.00}. For a full fledged moving company that's been in business 20 years XXXX chargebacks in a XXXX year is not bad at all and Square Up did not incur any debt whatsoever behind that. We have more than enough cash on hand in all of our bank accounts to handle any and all chargebacks. So I explained that to them and said I wanted to get my money back immediately. They told me " our account was under review and they will get back to me '' and hung up on me. If you look at the other screenshots that I sent you, it shows you all of the reserves that they took over the last month equaling a little over {$10000.00}. And if you look at the other screenshot, it actually gives us a date on when I will start to receive that money back. But the problem is, I will be dead and gone by then. It's actually the year XXXX. Yes you heard me correctly, the year XXXX! Please see the screenshots so you can confirm what I'm telling you. I want to get all of our money back immediately, so we can pay our bills and move XXXX XXXX XXXX  to a company that we deem worthy of our business. Thank you! XXXX XXXX CEO and Founder of XXXX XXXX XXXX. Since XXXX XXXX
Consumer complaint received 2022-11-29
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX account XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They are also in violation for the CARES ACT.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

XXXX is reporting inaccurate information on my credit report which has been disputed directly through their website in which they have stated these inquiries were verified. They have failed to provide the proof of this and are damaging my report with inaccurate, unauthorized inquiries listed on my report. Federal law requires every step must be taken to assure the information reported is completely correct. Which they have failed to do. 
Please see the list of inquiries below that are listed on my credit report that are unauthorized by me. 
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 2023-03-14
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-17
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've recently contacted TransUnionXXXX XXXX and XXXX explaining that I 'm trying to clear up my credit to purchase a home. I was told I could n't get any of my closed accounts, collections and hard inquiries removed and disputed. But I was informed you could. I asked the following accounts to be removed immediately ... 1. XXXX XXXX XXXX XXXX XXXX {$70.00} 2. XXXX XXXX XXXX XXXX XXXX {$1700.00} 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$610.00} 4. XXXX XXXX XXXX XXXX XXXX {$1700.00} 5. XXXX XXXX XXXX XXXX {$41.00} 6. XXXX XXXX XXXX XXXX {$0.00} 7. XXXX XXXX XXXX XXXX {$0.00} 8. XXXX XXXX XXXX XXXX {$0.00} 9. XXXX XXXX XXXX XXXX {$0.00} 10.  XXXX XXXX XXXX XXXX, XXXX {$0.00} 11.XXXX XXXXXXXX XXXX XXXX, XXXX {$0.00} 12. XXXX XXXX XXXX XXXX {$0.00} 13XXXX XXXXXXXX XXXX XXXX {$0.00} 14.  XXXX XXXX XXXX XXXX XXXX {$0.00} 15. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
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: General Motors Financial Company, Inc. (WA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I DO NOT agree with the answer given by the bank of america about my complaint of the case # complaint  XXXX  about Bank of America.   This bank makes its rules at its convenience and the final consumer has no protection and that is wrong, there should be an equity between both parties, when one applies to a credit card from this bank, usually the small print is not read, It is also in the opening of current accounts.   The Bank of America overdrawn at {$880000.00} each account seems to me to be something tremendously bad, this bank acts overriding the rights of financial administration, so I hereby ask you to review the case and to return my rewards won for 10 years and pay m e Interest, expenses and indemnification. And an investigation on my complaint.    I also want to thank you for the offer of a lawyer in the case of Bank of America.   Bests Regards,  XXXX   XXXX   XXXX
Consumer complaint received 2022-11-23
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: Specialized Loan Servicing Holdings LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and equiofax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

Mohela is my loan provider. I have tried multiple times to create an account, but it states they can not locate me in the system even though I am providing my social security number. I have applied for Public Service Loan forgiveness twice and haven't heard back from them and it has been over three years. I believe the reason is because I am not recognized in their system. I have also applied for the SAVED program and INCOME DRIVEN loan forgiveness because I have XXXX children and a single parent and none of them have been processed as well. I was going to consolidate to receive loan forgiveness, but it states I don't have any dependents and wouldn't qualify for loan forgiveness that way which is not accurate. I am a single mother of XXXX children and filed for bankruptcy twice. You are not able to connect to anyone through Mohela. They provide customer service numbers that do not work.
Consumer complaint received 2023-03-14
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-14
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. (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

On or around XX/XX/year>, a letter was sent to Jefferson Capital System to request thorough verification and all documented proof of all alleged debt to Jefferson Capital System in writing by XXXX only. On or around XX/XX/year>, a letter was sent to both XXXX and XXXX to dispute the alleged debt to Jefferson Capital System due to a direct violation according to USC 1692 c ( c ), no written response was provided in return. On XX/XX/year>, an electronic complaint was filed with the XXXX XXXX XXXX and an electronic dispute was filed with XXXX to remove the alleged debt reported by Jefferson Capital System in the amount of {$5100.00}. Also on XX/XX/year>, in response to my XXXX  complaint and request for removal, Jefferson Capital System reported that the information disputed by me " meets the requirement of the Fair Credit Reporting Act '', which is false.
Consumer complaint received 2023-03-14
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. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX I am a federally protected consumer. Equifax is causing my grave abuse and detrimental harm. I reached out to this corporation in XX/XX/2022 via XXXX certified mail with return receipt to provide a detailed comprehensive compilation of erroneous facts and inaccuracies that their company has caused to happen to me from their various breaches and negligence of the law. My consumer report is being damaged, and my financial reputation destroyed.
Consumer complaint received 2023-03-14
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (OR)

XX/XX/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. Ally bank took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on credit.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.