davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital (MS)

I have been repeatedly called from a Company stating I owe them a debt that I have never incurred a debt with. They have called my personal phone, my husbands, my childs, both my parents, and my work! They have sent out texts to all these phones asking of my whereabouts. They are stating I owe them {$1300.00} plus dollars. In which I do not owe!
Consumer complaint received 2023-09-12
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. (MI)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2023-06-24
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: Experian Information Solutions Inc. (NC)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 2023-07-07
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 — Problem with personal statement of dispute
Company: Self Financial Inc. (TX)

Dear sir/mum There is so much complaint about self inc that you people are still egnoring to this day. 

XXXX a victim of self inc fraudulent reporting .Are they getting paid to report negative things? 

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Consumer complaint received 2023-09-04
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have already cancelled one XXXX credit card over recent changes to terms with Firearms sellers. However the recent revelation that my major financial institution, Bank of America, is among those institutions looking at ways to track/limit my purchase of a legal product intended for lawful uses. ( XXXX XXXX XXXX ) has the potential to make it nearly impossible to go about daily life without agreeing to give up my fundamental constitutional rights. 

The ability to use a credit card with freedom from viewpoint discrimination is critical to life in modern society. The CFPB was created because it was understood that financial decisions by private corporations can destroy the lives of millions of individual customers if not handled fairly and honestly. Asking customers to expose themselves to having their transactions arbitrarily denied, or cards cancelled, based on what we choose to purchase is an overstepping of boundaries. Such decisions should only be made on financial grounds like card balance limits, not what is being purchased. 

Imagine a world in which your purchases are denied solely becuase your life choices do not match the whims of the corporation on any particular day. No XXXX transactions because our company makes more profit from large taxi companies. No political donations to members of the political parties that our executives don't support. Sorry, we can't process your monthly XXXX bill payment because our corporate cell provider is XXXX. Expressing your corporate opinion via charity or special incentives is one thing and is understandable. Forcing your corporate opinion in the private lives of your customers is another thing and is totally unacceptable. 

Just because these corporate policies take care to not stray into legally protected areas of discrimination like race and religion doesn't make viewpoint discrimination right even if it may not have violated any laws, at least not yet. No matter which side any individual takes on any issue, I doubt most customers want their credit card companies second guessing their individual purchasing decisions on a daily basis. The potential for abuse is just too large, and such policies may need to be regulated if corporations continue down this path.
Consumer complaint received 2020-05-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax has been reporting credit debts on my credit report for years. These cards did not and do not belong to me. We have talked with XXXX, the company in which the cards were issued from. XXXX has contacted the credit Bureau explaining the situation and has requested for these cards to be removed. I have filed several disputes over the years to have these reports removed and Equifax still has not removed them. Please check the date 's and information on attachments to see the amounts and date for BOTH credit cards from XXXX.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (UT)

A credit card application was submitted on my behalf without my knowledge or consent with Chase Bank for a Saphire Credit Card. I did not provide my social or any of my personal information to anyone. This is fraud.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (WA)

I, XXXX XXXX, owned a Best Buy/Citi credit card in XXXX. This credit card was used for small $ XXXX {$200.00} purchases, mostly on XXXXXXXX XXXX or add-ons throughout the year of XXXX. 

I, XXXX XXXX, stopped using this Best Buy-Citi credit card in late XXXX, and made a {$500.00} online payment on XX/XX/XXXX, which was the final payment made for charges that I personally made on the credit card. 

I, XXXX XXXX, received a letter from Citi on XX/XX/XXXX that claimed my loan with a balance of {$4900.00} had been sold to XXXX XXXX XXXX XXXX XXXX. 

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I, XXXX XXXX, received XXXX billing statements or fraud alerts from Best Buy/Citi about purchases made after I made the {$500.00} payment. 

I, XXXX XXXX, did not make the charges on this credit card, and I began attempting to figure out where the charges came from and how this happened without my knowledge. 

I, XXXX XXXX, along with my wife, XXXX XXXX, contacted XXXX XXXX XXXX XXXX XXXX shortly after receiving the letter on XX/XX/XXXX, and asked for a list of charges over the phone so that we could contact Best Buy/Citi and determine what the charges were and where they originated from. XXXX XXXX XXXX XXXX XXXX refused to give a list of charges in any shape or form, other than that XXXX of them was a XXXX purchase. 

I, XXXX XXXX, did not receive any notices or letter from XXXX XXXX XXXX XXXX XXXX after this phone call until XX/XX/XXXX, when I was served with a Summons for a lawsuit at my place of residence. 

After receiving the Summons, I, XXXX XXXX, sent an email to the law firm who served me, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. This email outlined that first of all, the charges made on the credit card were not mine and that I had already asked XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX for a list of the charges made and was refused. Had XXXX XXXX XXXX XXXX XXXX sent me a list of the charges in XXXX, I, XXXX XXXX could have taken care of this issue way before it advanced into a lawsuit. 

I, XXXX XXXX, received a response from XXXX, XXXXXXXX XXXX XXXX XXXX. that once again showed a total balance on the account, which I had received in XX/XX/XXXX, but did not show individual charges that were made on the account and where they were made. After this response from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, the debt was removed from my credit report. 

I, XXXX XXXX, once again heard nothing from XXXX, XXXX, XXXX XXXXXXXX, XXXX. from XX/XX/XXXX until XX/XX/XXXX when I served with a notice of hearing for default judgment.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

As of the beginning I have been filing dispute charges on these unauthorized charges and I repeatedly tell them that I was not making them that I was in XXXX  during these transactions so how can I be in XXXX  and be taking out money out of my own truck they had no explanation of course but my claim got denied okay I let that go then another transaction so I guess someone gets a hold of my phone but I didn't approve it and then that distributes tonight so then finally the third one I wake up one morning getting charged by some company that I don't even have no idea where it comes from so I disputed again and I get another denied so I don't understand how these companies can protect me from my money when it's being taken for me and not even wanting to replace it I just don't know what to do
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HUNTINGTON NATIONAL BANK, THE (MI)

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

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

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies 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 this subchapter.

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX XXXX, 1970, 84 Stat. 1128. )
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the Middle District of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

For over a year I have been disputing accounts with Equifax due to the fact the accounts are trafficking related. One account in particular that is still reporting despite being trafficking related is a XXXX XXXX collection account. Each time I have disputed this account and there have been several times I have disputed it Equifax has refused to remove the trafficking related XXXX XXXX account. Even when they have used my documentation to remove other trafficking related accounts. They have chosen to keep the XXXX collection account on my credit file. 

Equifax has received 17 pages from me on multiple occasions which included : 1. A Self Attestation of XXXX XXXX. 
2. The information that I needed to be blocked. 
3. Two XXXX XXXX Documents. 
4. A XXXX Notice. 
5. My Driver License. 
6. Reasonable Accommodation Request. 

In addition to the above, MY XXXX XXXX TOLD ME THAT EQUIFAX PERSONALLY CALLED HER TO CONFIRM THE VALIDITY OF THE XXXX XXXX DOCUMENT, AND TO ASK HER SEVERAL QUESTIONS WHICH SHE ANSWERED, and they told her they would be processing my XXXX dispute immediately and removing the trafficking related information. However, THIS NEVER HAPPENED! 

They have also prevented me from filing a dispute online for the XXXX account that was last disputed in XX/XX/2023, by saying that the XX/XX/2023 dispute is still open. For a dispute to take over 4 months is a direct violation of my rights and protections. I have requested for them to fix this error multiple times and they have not. This has been done in bad faith and maliciously to cause me to not be able to submit another dispute online regarding the XXXX XXXX account. 

Equifax has removed XXXX related items from my credit file using the same exact documentation in the past. 

DESPITE ALL OF THIS Equifax continues to report XXXX related information on my credit report and make extraneous and erroneous requests for more information from me. 

The XXXX - related information remains on my file in violation of my rights and is causing me substantial harm.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

Hello, XXXX promotional offer advertised not fulfilled. 

I received a letter regarding a review of my XXXX XXXX XXXX credit card for limit increase dated XX/XX/2023. It was stated on the letter that although I met the spend and payment criteria, XXXX credit card services could not raise my credit limit at this time due to the reason that I have past or present delinquent credit obligations with the bank. 

I find this reason very lame because in the first place, I don't have past or present delinquent credit obligations with XXXX. This is once again another excuse from your bank to not increase my credit limit. I do have instances that I overdrew my checking account, however, it is an authorized transaction from the bank and I made sure that it goes back to a positive state. In terms of my XXXX XXXX XXXX credit card, I have been using it frequently and made on time payments since day XXXX of being approved. 

This bank makes many excuses and tactics to not increase customer 's credit limit even though the customer has met the criteria to be eligible for XXXX. 

At least XXXX should be considerate at this time and I find it very disappointing, unfair and ridiculous.
Consumer complaint received 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

The loan or account number is not on the documents received from this unknown 3rd party called shellpoint is now trying to foreclose on my home. I have continued to pay the principal on my home, allowed but being ignored by all these financial institutions. 

I have no idea who this company is, but it needs to cease and desist its illegal practices of trying to take my home. there are 2 addresses- one in XXXX, Mi and one in XXXX, SC. both need to be shut down and investigated for illegal practices.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (ID)

XX/XX/24 I had received a change of terms and conditions for my Amex card. My balance is {$0.00}, and I did not like the new terms. The letter said if I did not agree to these terms, I could close my account and not be charged an annual fee. I called Amex to close the account. I was transferred to a retention team and was told it was closed with no fee after refusing multiple attempts from Amex to keep my account open. 

XX/XX/24 I get a new bill. Account is open with a {$99.00} annual fee due. I call Amex and complain. I was transferred to retention again. They place me on hold to review what happened on XXXX. After this, the representative apologized for the failure to close the account and agreed to close it with no annual fee. I request a statement with a {$0.00} balance with confirmation the account is closed. I am told I will receive it in the mail, and I am given confirmation # XXXX. 

XX/XX/24 I get another bill with a {$99.00} fee and a warning of late fees and increased interest if I fail to pay. I called Amex again and request a manager. I reached customer care and spoke to a supervisor named XXXX. I explain to XXXX  that I do not want to speak to Retention because I no longer believe they will close my account. I let him know I am going to file this complaint and that Amex should close my account but I refuse to speak to Retention. XXXX puts me on hold, comes back and apologizes but says he needs to transfer me to Retention. I explain to him I am not doing that a 3rd time and tell him to close my account and tell him goodbye.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I been been late with my payment and tried to get accommodation i was calling them and they said i was to late and now full payment is on demand. They finally told me to try to remodtional my loan and just got the run arond till someone took the time to go over my fininial need. They do n't like to commution via email you have to all and wait XXXX to XXXX mins to get a hold of someone. I reply to the spvr who was in charge of my loan via email and never a reply back. When your in the process of remodation no dept speaks to each and now I 'm getting letters from they mortgage attoney about suing me.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-12-07
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. (CA)

XXXX in the amount of {$9200.00}, XXXX XXXX in the amount {$1900.00} and XXXX in the amount of {$280.00} are the result of identity theft, and They are not belonging to me.