davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (FL)

This is a complaint against American Express Company for the unauthorized and unlawful release of all of my wife and Is personal financial records to an unauthorized person ( s ).

Prior to my wife and I having knowledge that Amex freely gave our personal financial records to an unauthorized person ( s ) and just days after it allegedly happened we had to file a police and FTC report because our identities and bank accounts were stolen. 
Background Im currently in litigation with my previous employer XXXX, XXXX. 
As part of discovery, Counsel for XXXX ( XXXX XXXX XXXX XXXX ) specifically, XXXX XXXX XXXX and XXXX XXXX issued a civil subpoena to American Express on or around XX/XX/XXXX. [ Case : XXXX XXXX XXXX vs. XXXX XXXX ( Case No : XXXX ) of the Circuit Court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida . ] The documents requested were limited by the courts to only include : Monthly credit card statements for the accounts listed below from XX/XX/XXXX - XX/XX/XXXX. This request is limited to payments to XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 
1. American Express, card ending in XXXX, expiration on or about XX/XX/XXXX, issued to XXXX XXXX XXXX ( Last 4 : XXXX ) or XXXX XXXX XXXX ( Last 4 : XXXX ), XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. 
2. American Express, card ending in XXXX, expiration on or about XX/XX/XXXX, issued to XXXX XXXX XXXX ( Last 4 : XXXX ) or XXXX XXXX XXXX ( Last 4 : XXXX ), XXXX XXXX XXXX, XXXX XXXX, FL, XXXX However, without notifying me or my legal counsel and/or attempting to notify me or my legal counsel, American Express XXXX XXXX the court order limiting the scope of the subpoena and provided XXXX XXXX XXXX and XXXX XXXX ( unauthorized persons ) all ( over 150 pages ) of my Personal Financial statements. 
After I filed a police/FTC report for identity theft my attorney informed me of what happened and provided me copies of the subpoena production American Express produced to ADPs counsel. Not only did their production far exceeded the scope of the subpoena but they also violated a court order in the process On or around XX/XX/XXXX, I contacted American Expresses XXXX XXXX XXXX and informed them what happened. On XX/XX/XXXX Amex  responded who denied any and all responsibility and told me to contact opposing counsel. Additionally, at no time did AMEX  attempt to even contact me prior to releasing the records and/or to find out if we were filing a Motion to Quash. 
I appreciate your help in the matter Kind Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I received a call on my cell phone from a XXXX XXXX XXXX phone number XXXX. The person gave their name of XXXX XXXX and asked if I knew XXXX XXXX in TX? I said I did not. He told me that XXXX was trying to access my bank account to send money to his XXXX account and that he could step me through ways to cancel the payments. He then stepped me through my XXXX, Venmo and XXXX accounts to " cancel '' the payments, but he was actually sending money to someone's email address. I was able to work with XXXX XXXX XXXX to stop payment on all transactions, but Venmo doesn't accept stop payments. They send the money to the person up front and then want me to reimburse them. They have locked my account and said they will send me to a collection agency if I don't pay the XXXX I owe them. I don't understand, with the raise in scams, why this is their practice. I tried to block XXXX XXXX and report him, but Venmo has no easy way to speak to someone if you have an issue. I will not do business with them ever again and don't intend on paying the XXXX I was scammed out of.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with XXXX XXXX Equifax XXXX XXXX XXXX and Consumer Financial Protection . During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.
Consumer complaint received 2019-11-18
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. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2024-04-12
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

thorough investigation into unauthorized transactions and serious account mismanagement that has occurred on my account ending in XXXX, XXXX, XXXX, XXXX,. As a XXXX woman of XXXX, I am deeply concerned about the security and integrity of my financial information. 

Specifically, I demand immediate answers to the following questions : XXXX. **Unauthorized Address Changes** : Who authorized recent changes to my account 's address without my explicit consent? Provide detailed information on when and by whom these changes were validated.thses cards were issued and not authorized to have been sent out they were issued without my permission and I never gave anyone consent to accept or cash or spend any funds XXXX. **Unauthorized XXXX XXXX : Why were multiple cards issued and activated under my account without my authorization? I need clear documentation of who approved these actions and when. 

XXXX. **Withheld Funds and Payments** : Explain why funds were withdrawn or payments made from my account without my explicit permission or authorization. Provide a detailed account of all transactions and withdrawals made without my consent. 

XXXX. **Negligence and Accountability** : Hold accountable the individuals or parties responsible for allowing these unauthorized actions to occur. What measures will the bank take to prevent such negligence in the future? 

I expect prompt and detailed responses to these inquiries. The lack of transparency and accountability regarding my account 's security and management is unacceptable. I reserve the right to seek legal counsel and escalate this matter further if necessary to ensure the protection of my rights as a consumer. 

Please acknowledge receipt of this letter and provide a clear timeline for when I can expect a comprehensive response to my concerns. 

Thank you for your immediate attention to this urgent matter
Consumer complaint received 2022-11-30
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. (MA)

This complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with TransUnion, XXXX and XXXX. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!
Consumer complaint received 2022-01-25
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. (MI)

A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with XXXX XXXX XXXX XXXX Transunion XXXX and Consumer Financial Protection . During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

Us bank Reliacard has over {$6000.00} of my money locked due to " fraud '', though I've only used the card to withdraw money for rent. Every time I call they tell me to submit a copy of my ID and a selfie, which I've done 4 times now, and every time they tell me my account is still locked and to try again. This time they asked me for a copy of my social security card, which I will not do as it seems fishy. The customer service reps have not helped at all, often telling me to go to websites that don't work to submit information. I need this money to pay for rent and for upcoming prenatal appointments as I'm two months pregnant. They're holding my money hostage and having me run on a wild goose chase to get money back that I 200 % believe that they stole and have no intention of giving it back.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (OH)

My loan was opened on XX/XX/XXXX accord to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling XXXX that its accurate. I have NEVER made a single payment to mohela. It has been over the 7 year requirement. They legally have to delete this. I did the XXXX XXXX XXXX and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other 2 credit bureaus. This is preventing me from accessing necessary credit that I DO qualify for. The green checks in the screenshot are not accurate, as i said, Never made the first or any payments.
Consumer complaint received 2022-02-19
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: REGIONS FINANCIAL CORPORATION (CO)

They called saying I had a fraudulent charge on my card and commenced to asking information on the card and my account. They tried to set up a mobile card account on there phone but I was on the other line with my bank and had it blocked The number they used was XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WY)

Our current home mortgage is with Chase Bank, and we have been working with them since XX/XX/2021 on a refinance application. We submitted all requested documents apropos to the refinance application on XX/XX/2021, 225 days ago. Since then has been a regular stream of additional document requests. I have uploaded a total of 101 separate documents to the bank 's website during that time, all within 1 business day of receiving the information requests. These range from a written explanation of why we use a post office box ( I live in a rural community without home mail delivery ) to many, many documents pertaining to my small business 's finances. 

Today, Chase declined our application. Their stated reason is " insufficient income to debt ratio, '' which I'm sure is a contractually valid reason to decline the loan. However, our income to debt ratio is the same today as it was 8 months ago when we began the refinance process. What has changed, in the meantime, is interest rates. It is no longer in Chase 's best interest to offer us the refinance at the rate " locked in '' last XXXX, so they invented an excuse to decline the loan.
Consumer complaint received 2022-08-28
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. (CA)

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681section 604 A Section 2 : it also it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account as open end on consumer credit plans as purpose.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: R.M. Jackson & Associates, P.C. (TX)

I got a call from XXXX at R M Jackson & Associates Pc about a debt that is or is not real and over 7 years old last week. I asked him not to call me during work hours, please call me after XXXX to ensure that i am not at work. He called the next day and I was not able to answer the phone, he left a message. Today he called the main line of my work and asked to be transferred to me. He left me a voicemail on my office line phone and when i called him back I told him I asked him not to call me during work hours and asked how he got my number at work to my desk not my cell phone. His response was that it was his job to know where I was and his job to track me down. So he tracked me down and called my land line work number. He also told me when I asked what this would do to my credit report if I paid it off that he was not reporting this to any credit report. All of this i find to be troubling over a debt that is at least 7 years old and he will not verify to me other than it is for a vet office for a dog named puddles ( a dog that died well over 7 years ago ). How he has the info he does on me is worrying to me and I am not okay with him calling my office to talk to me and asked him not to contact me during business hours.
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Consumer complaint received 2022-08-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SF VAGO, LLC (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, EMVLP II LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
EMVLP II LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
EMVLP II LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXXXXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

someone I don't know open a bank of America credit card on my name without my authorization, the bank close the card for over 6 month and i didn't have any problem until now. now they asking me to pay the money inside the account even though the account is close, they don't want to help until a government identity interfere. they send me all type of letter including that I own XXXX dollar and the next week then send a letter saying I have pay everything. when I call they always tell me I have to pay everything. i upload it the document that said i only own XXXX and the document that decline to help me. 

also i was told by XXXX of the agent, that after the account was close, the bank make a new account on my name without my authorization put the money from the old account until the new they made. which is totally illegal
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the fair credit Reporting act the following listed below has violated my rights. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.