davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from XXXX XXXX an Equifax, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much XXXX.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

A promotion was sent to my email about opening a checking account with citi bank, the terms were if XXXX electronic deposits totaling {$1500.00} were deposited to the account, the deposits were made and posted on XX/XX/year>, a promotion of {$300.00} would be deposited to the account, however that promotion was never posted. I contacted the customer service department and they stated the promotion should've been desposited but they are unsure on why not.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I purchased online tickets on XX/XX/2019 from XXXX while I was in USA. The amount of {$5200.00} was billed to my credit card ( ticket prices which is correct ). I recieved a statement today XX/XX/2019 showing that bank of America charged me {$150.00} for a foreign transaction fee. The purchase I did for the tickets was done online with a company charged me with US dollar currency and which suppose to do business from USA. 
Bank od America claims that this is an international transaction and has to charge me 3 % on the amount paid. I dont understand how I can purchase sonething from USA and get charged for an inernational fee.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (CA)

Earlier this year, 2017, Hunter Warfield contacted me regarding a bill with XXXX XXXX. I was confused. XXXX XXXX was to send me a bill. I asked Hunter Warfield to send me a bill. When the bill arrived by mail, I saw that XXXX XXXX had been sending the bill to the wrong address. I called XXXX and they said that they had already submitted to collection.There was nothing they could do. So for several months I tried to resolve with Hunter Warfield. They were rude, obtuse and finally I got to someone who could help me. I am on a limited income. Therefore, this was quite difficult. It was frustrating and unfair. I finally settled.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-12-16
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 (FL)

I am a health and wellness coach. 
On XX/XX/2021, I gave a seminar to some potential clients and for those that wanted my services, I used Paypal for payments. Paypal accepted all the transactions and took their transaction fee, however one specifically was a large amount of money, {$27000.00} from a client. 
Paypal requested some additional documentation which I provided to the best of my ability. I contacted them and they said they would send the issue to their back office. 
Two days later I received this email. 

You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason11 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. 

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

We regret any inconvenience this may cause.

So I looked up violation number 11, which stated : 11 - Online Dating : Any dating services that enable individuals to find and introduce themselves to new people with the goal of developing a personal or romantic relationship. 

I called a supervisor, XXXX on XX/XX/2021, at XXXX am, who told me that once a decision is made, there is nothing that anyone can do. I told her that I am not doing online dating and she said there was probably an error but no one can do anything about it and I had to wait 180 days or XXXX a year and maybe I might receive my money. 
The total amount in question is {$37000.00}. 
It will be nearly impossible for me to run a business without those funds.
Consumer complaint received 2022-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

I have tried to contact Fed Loans XXXX several times in regards to my student loan. I am a frontline worker, and served in the capacity of such during the pandemic. Although my loan was not needing to be paid on during the pandemic, I still worked for the non-profit during the entirety of the pandemic period. 
I submitted my Public Student Loan Paperwork to Fed Loan Servicing back in XX/XX/XXXX. I have called numerous times to get this fixed. 
I started payments on my loan in XX/XX/XXXX. This means that with the paperwork I have submitted, I should have on record with Fed Loans a total of 84 to 85 payments made. Fed Loans is continuously only showing 61 payments made. This means that Fed Loans is not counting two years of payments. 
I have tried to resolve this on countless occasions by calling. Each call they advise me that they show my paperwork was submitted and that they have it. Only when I do call, I'm told to " Give it a couple of weeks, and it will be taken care of. '' As you can imagine, I checked today only to see that I'm still at 61 payments. 
I clearly can not rectify this by calling or e-mailing Fed Loans Servicing ( MyFedLoan ) since they don't do anything to rectify the problem. 
I don't know that I have to do to get Fed Loans Servicing to count my Public Student Loan Forgiveness payments.
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account # XXXX Bal : {$970.00} XXXX. XXXX Account # XXXX Bal : {$1600.00} XXXX Account # XXXX Bal : {$0.00}
Consumer complaint received 2019-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

On XX/XX/XXXX, I tried to log into my www.myloancare.com to pay my XXXX mortgage payment. That entire week ( XXXX ) the website said my password wasn't working and that it would email me a temporary password. Those emails never came, I was stuck. I called their customer service # and input my ssn & zip code as instructed. Then a message came on to call between XXXX and XXXX ( which I was ) and then it would hang up on me. I had been trying all last week to get logged in to the website too ( XX/XX/XXXX - XX/XX/XXXX ). There was nothing I could do! 

After being frustrated and getting a Payment Reminder Notice from them in the mail today ( XX/XX/XXXX ). I tried to log on to the website again. And today, it worked! With my original password & ID that hadn't worked for the last 2 weeks. I was able to finally make my XXXX mortgage payment today. 

I still can not get anyone on the phone and I've tried several times to send an email on their website. The website email open a blank window that never loads. They are charging me {$63.00} in a late fee that was not my fault! I want that late fee refunded. They really should be paying me for the extra time I spent trying to make my mortgage payment for the last 2 weeks!!!! I want to switch my servicer. Please help me get a refund and get a new servicer. I also want to discuss getting my FHA Mortgage Insurance canceled as my home to loan ratio is now about 75 % but I can not get in touch with anyone.
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XXXX XXXX XXXX service my loan when I purchase my home end of XX/XX/XXXX2021. My homeowners insurance policy XXXX was furnished by XXXX XXXX at that time. Shortly after I purchase my home, an institution name Mr. Cooper purchased my loan from XXXX XXXX XXXX. In XX/XX/XXXX 2022, Mr. Cooper ( Nationstar ) sent me a notice letter stating my homeowners insurance lapse and requested proof of insurance. I immediately contacted XXXX XXXX for more information. XXXX confirmed the homeowners insurance was cancelled XX/XX/XXXX 2021 and a cancellation letter notice mailed to XXXX XXXX XXXX. I immediately secure a new homeowners insurance policy XXXX with XXXX and update Mr. Cooper with a copy. However, Mr. Cooper decided to force-placed an insurance on my property for over {$16000.00} back dated to XXXX 2021 despite admitting of being notified and failed to notify me and waited almost a year to do so. I honestly believe this is a common practice of this institution and will consult an attorney to explore my options. As I am writing this complaint, XXXX insurance still owe me the money paid up front for the homeowners insurance policy that was cancelled in XX/XX/XXXX2021. I am awaiting to hear from Mr. Cooper because this is outrageous and spiteful.
Consumer complaint received 2022-05-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX {$12000.00} : DATE OF SERVICE : XX/XX/XXXX. 
PROVIDER OF SERVICE : XXXXXXXX XXXX  To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations.

The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXXXXXX XXXX ACCOUNT # : XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had disputed this charge twice now for a rental car that did not deliver service and I still have not received my money back I've tried twice now and did reconsiderations to be denied I need this money back because this service was not rendered
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I was a victim of an email scam. Asked by what I thought was a friend to do a favor and send some money to a third party. Did so turned the request came from someone impersonating my friend. 
XXXX XXXX XXXX and XXXX XXXX both say too bad we can not help you.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

I am unaware of this debt and did not receive the proper notification of this debt. I also have not been given the chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) debt collectors must notify you within 5 days of receiving an account and this did not happen.

Debt collectors also hav no authority to furnish an account to a consumer reporting agency without providing proper documentation and all disclosures required by law and this is a clear of 12 CFR 1006.34 ( d ) If you believe you have supplied me with the proper notification please provide me with the certified mail receipt with my signature.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 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. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please remove.
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX & XXXX XXXX XXXX XXXX Account # 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 2023-02-06
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. (AZ)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  : {$500.00} XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  : {$500.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX : {$87.00} XXXX XXXX  : {$25.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (CA)

Despite the multiple written letters and complaints I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : accounts : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft report.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple written letters and complaints I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : accounts : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft report.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT ACCOUNTS THAT DONT THAT BELONG TO ME