davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (FL)

On XX/XX/ I called my bank to open a merchant dispute for 4 transactionsamde with my debit card on XX/XX/XXXXXXXX   for an ammount of {$61000.00} Merchandize not received, I bought XXXX XXXX XXXXXXXX XXXX and must be delivere on or before XX/XX/ Couple of days ater the claim was opened I got provisional credit for only one of the four trasnactions. So I called the bank and they told me that the claim was open as " fraud '' and only for 1 onf the 4 transactions. So I requested to fix that issue and the bank said they will call me back, something that never happened. 
Today XXXX  XXXX I been dealing with the bank by phone more than one hour, the call has been transfered 5 times and finally the call was disconnected, then called for second time and nobody answer.
Consumer complaint received 2022-08-27
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-27
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (TX)

In accordance with the Fair Credit Reporting act 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 an account without my written instruction.
Consumer complaint received 2022-08-27
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$57000.00}.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Greetings credit reporting agencies, my name is XXXX XXXX and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my information without my written consent according to 15 U.S.C. 1681 Section 602A and 15 U.S.C. 602A Section 2. please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report and I as a consumer whose rights have been violated. I fully am expecting to see positive changes to my report immediately thank you. 

In accordance with the Fair Credit Reporting Act. 
U S DEPT OF EDXXXX Account XXXX XXXX has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because, I, as a consumer, have the right to privacy, and the creditors are clearly not respecting my rights. This is very unacceptable and action needs to be taken immediately in the works of fixing my consumer report. 

15 U.S.C. 1681 Section 602A. States, I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states, that a a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-03-07
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: SUN WEST MORTGAGE COMPANY, INC. (OH)

Dear dame or sir, Yesterday, I had just received a letter from a lady whose name is " XXXX XXXX '' from a mortgage company named " Sun West Mortgage Company , Inc. NMLS XXXX ''. Other than my credit scores included in her letter, I did not understand anything else out of this letter at all. I have no communication of any kind with this lady or her company. Other than " XXXX XXXX XXXX XXXX XXXX XXXX  '', which I had already submitted a complaint against with you last week, I do not have any kind of communication at all with this particular company! Unless both companies are connected somehow, which I defintely have no idea about. I had tried to call the phone number she provided in her letter many times, without any kind of answers at all. Meanwhile, I left her 3 different messages to call me back, which had never happened. 
I have no idea what to do with this lady or company who is asking me to sign a paper called " Fact Act Notice '', which I DO NOT REALLY UNDERSTAND and HAVE NO IDEA WHAT ABOUT?! Therfore, I decided NOT TO SIGN THIS PAPER AND SUBMIT ANOTHER CLAIM WITH YOU AGAINST THIS LADY AND HER COMPANY, WHICH I HAVE NO DEALS WITH OF ANY KIND. 
I would really appreciate taking care of this second `serious and major trouble of my terminal stage of my life, which I have no idea what to do with. If this company ( Sun West ) is a part of the other one ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX and unable to peocess my refinance for my houses, I WOULD REALLY APPRECIATE TO ASK THEM GETTING MY {$3000.00} BACK. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-05
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: AMERICAN EXPRESS COMPANY (CA)

Hi there, My new XXXX XXXX XXXX has an advertised perk of earning 4x Membership Rewards points per dollar spent at US restaurants and grocery stores. 

I have a handful of XXXX charges made at restaurants, that I am only receiving XXXX Membership Reward point per dollar spent. 

1 of these restaurants is coded as a " grocery store '' ( which should still earn the XXXX points ), and the other XXXX restaurants are coded as " restaurants '' but for some reason are not earning the points. 

I contacted American Express via chat and phone starting on XX/XX/XXXX, and have since emailed and called with them several times since then. Each time, they say they are " investigating ''. 

Here are the charges from XX/XX/XXXX : XX/XX/XXXX XXXX XXXX XXXX ( either a cafe or a grocery store ) XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX   {$52.00} Thanks, XXXX
Consumer complaint received 2022-07-11
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. (VA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2020-02-05
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. (OH)

I have a derogatory reporting on my XXXX XXXX  account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Medical Administrators, Inc (CO)

A couple of months ago, I responded to an on-line ad about Life XXXX  oil supposedly from XXXX XXXX, the actor. Not enamoured with him, I thought he wasn't XXXX enough to endorse a fake product. XXXX, for {$6.00} XXXX XXXX XXXX, I received a small bottle of XXXX oil. 
I hadn't used XXXX oil before and wasn't impressed. 
XXXX XXXX, I received a collection letter from National Medical Adminstrators , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX toll free XXXX XXXX fax XXXX XXXX XXXX creditor account # XXXX Creditor : XXXX XXXX XXXX balance {$110.00} I called them and spoke to a rude man who obviously called my credit card company and told me that I never heard of XXXX  and told the bank the charge was a fraud. 
He also said I didn't return the product in 30 days. I replied that I had used it up before 30 days and didn't order ( or receive ) any other product. He called me a liar and said there was no way I could use that bottle of XXXX  oil in 30 days. 
I told him I did not order anything and I just tried the sample for {$6.00}. 
He said it was my problem because I didn't read the small print ( yes I did ). 
I said I wasn't paying the money because I didn't order or receive anything except the trial amount. He was extremely rude.
Consumer complaint received 2022-08-27
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: Freedom Mortgage Company (NC)

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 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.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (CA)

I recently learned that someone opened a savings and checking account in my name, along with a credit card. I only found out when I got an email from Square XXXX  congratulating me on my new account. A subsequent email indicated that my email address was being changed to another email address - and that I should contact them if I didn't make this request. I contacted them as soon as I saw the email to stop the account and report it as fraudulent. Square XXXX  never checked with the XXXX credit agencies, all of which have a freeze in place. I filed a police report, and then a complaint with the Better Business Bureau. The response from XXXX ( through XXXX  ) is that they can not talk to me directly ; they can only speak to law enforcement. This is insane. I have tried twice now to get them to explain to me what happened and they are refusing. Something is not right here and I need to find out what it is so it doesn't happen to someone else.
Consumer complaint received 2019-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

Ocwen loan Servicing. On XX/XX/2016 I had a fire in my home that caused substantial damages to my property. Ocwen loan fail to pay the contractors in a timely manner, causing me to be out of my home for 2 yrs. Ocwen breach of contract due to not being commitment in the contract. Ocwen valid the contract in my Insurance policy. Ocwen caused me and my family a lot of hardship moving to different places for 2 years.
Consumer complaint received 2022-04-27
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)

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Paypal has limited my account for 180 days without any good reason holding all my money frozen. After the period they still refuse to send my money. Paypal first limited my account saying that they need more infos to verify my account, I have sent all the infos to them including tracking numbers of all orders. After their review they decided to limit my account for 180 days holding all my money ( which is around XXXX British pounds! ) I couldn't neither accept or withdraw my money from my account, basically they have broken my business I have long worked for! I have tried to contact them many times regarding this issue but their robotic answer is always the same. I had advertising money that I needed to pay plus my supplier invoices to pay, once they froze my account, I couldn't continue running my business and even I had to borrow money from family/friends to pay my bills! The problem doesn't end here! 180 days have already passed and I got a message from them saying that they let me withdraw XXXX pounds from my Paypal account and they will still held the remaining amount for some time. I have tried to withdraw my XXXX pounds but they wouldn't let me! At first I thought there was some problem with my bank account, so I have tried to add my credit card and my other bank account but they wouldn't let me! After waiting all this time and they still refuse to let me add my bank account in order to withdraw my money!! This is clearly a scam! I have tried again to contact their support in order just to let me add my bank account but again they reply with a standard robotic message saying that the decision of limiting my account is final. Nothing related to what I sent which is basically the problem I am getting when I try to add my bank account! They not only shut down my business but after all this time they still refuse to let go of my hard earned money!
Consumer complaint received 2020-08-02
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: CITIBANK, N.A. (NC)

I had made purchases with my card and would never receive my items so I would have to file a dispute with the credit card company. I went to make a purchase last week and my card would not work. I logged on to my account and spoke to someone via chat and they told me my account was closed. She said I would get a letter telling why but, I have not received this yet. I asked when I would receive another card and she said I would not be getting a new card.
Consumer complaint received 2020-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Consumer complaint received 2022-08-27
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$57000.00}.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I, XXXX XXXX, have a Bank of America ( BOA ) joint checking account with my mother XXXX XXXX. The account number is XXXX. In XXXX of XXXX, My mother and I requested that my sister, XXXX XXXX, be added to the account. XXXX and XXXX are located in NC, and I am located in MA. The three involved parties went to thier respective BOA offices, filled out the required paper work, had them notarized, and the forms were submitted by BOA for processing. By XXXX, XXXX had not been added to the account. The three involved parties again went to BOA branches, and told representatives again about the request, and that the transaction had not been completed. We were assured by BOA that the problem would be resolved. By XXXX, XXXX had again not been added to the account. I went to my branch at XXXX XXXX XXXX in XXXX MA and spoke again to respresentative XXXX XXXX ( XXXX ), who again promised to resolve this problem. I gave him a week to resolve the problem, which expired on XX/XX/XXXX. I have had no communication from BOA since then.