davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION (PA)

I wrote out my personal Check # XXXX made payable to XXXX XXXX XXXX  in the amount of {$240.00}, and posted the check in the USPS Mail Box at the corner of XXXX XXXX XXXX XXXX XXXX XXXX on Sunday evening, XX/XX/2022. 
( which happens to be across the street from my home. ) I was working overnight XXXX  on Thursday evening, XX/XX/2022, and reviewed my WSFS Checking account online - only to discover that Check # XXXX has been modified to be payable to XXXX XXXX XXXX in the amount of {$6600.00} - and was in the process of being cleared by WSFS. 

By XXXX XXXX  on Friday, XX/XX/2022 I went to my local WSFS branch in XXXX ( corner of XXXX XXXX and XXXX XXXX ) to report the fraud. 

WSFS took my information and filled out a form - that included a check box on my willingness to prosecute the fraud ( which I checked Yes ), and informed me that it could take up to 100 Days before the matter was resolved. 

After WSFS, I reported the incident in person at the XXXX XXXX Police Station ( Incident XXXX. ) I also drove to the XXXX US Post Office and reported the incident - and I was directed to the USPS website, and reported the incident again to US Postal Inspectors online. ( US Postal Inspectors ' Reference number is : XXXX ) On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was noted in my account- but that no action had been taken. 

Following that conversation, I did open a complaint ( # XXXX ) with the Office of the Comptroller of the Currency 's ( OCC ) Customer Assistance Group ( CAG. ) On Thursday, XX/XX/2022, I was contacted by XXXX. XXXX XXXX from the XXXX XXXX Police department and was informed that XXXX XXXX PD had been able to identify a WFS Fraud Investigator - and that Det. XXXX also provided a copy of the fraudulent check and a timeline to WSFS Fraud Investigator. 

On Friday XX/XX/2022, I called WSFS customer service and the Customer Service Rep reported that the Dispute # XXXX was still noted in my account- but that no action had been taken. The Customer Service Rep contacted my local branch and spoke with the teller with whom I had reported the fraud on XX/XX/XXXX. The Customer Service Rep was unable to speak with anyone in the WSFS Fraud Services. On this occasion, the Customer Service Rep informed me that the WSFS policy was that resolution of Fraud related check could take up to 90 days ( which is different from the original 100 day term that I'd be informed of when I reported the Fraud on Friday, XX/XX/2022. ) I feel that I've been reasonable and worked and waited while WSFS has really taken no action. I feel that there fraud related policies are poorly documented, communicated, and enforced irregularly.
Consumer complaint received 2022-06-17
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. (OH)

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 a account without my written instructions
Consumer complaint received 2022-06-17
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. (MD)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX and Transunion have not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : Convergent / Acc. # : XXXX / Bal. {$720.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-05-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (PA)

On Friday, XX/XX/2023, Transworld called my place of employment about a debt that I didn't even know about. I told them that I was not allowed to have any calls at work. 
I called them when I clocked out fir the day..spoke to a woman who seemingly mocked me throughout the call. I told her to never call my work number, I can lose my job..she put me on hold for about XXXX minutes then when she picked up the call again, she said that she would remove my work number. 
Today, Monday, XX/XX/XXXX, XXXX.Transworld called me at work again and started by telling the XXXX XXXX that this was an attempt to collect a debt. And asked for me..when I picked up the call it was a recording telling me that this was an attempt to collect a debt and to press one for whatever... 
If I lose my job for this {$600.00} debt that I didn't know existed until Friday... do I have the right to sue them for my wages up to my retirement age? 
Better yet, how do I get them to stop calling me at work and make them pay me {$1000.00} due to their harassment?
Consumer complaint received 2022-06-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (CA)

XX/XX/2022 : went to bank to try to close account. They said I needed to make an appointment. I waited in lobby but nobody came to help with appointment. 
XX/XX/2022 : I called twice to try to make appointment. Both times, they promised that the branch manager would call me. She has never returned my calls. 

It is IRA account for more than {$800000.00}.
Consumer complaint received 2023-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I think you're company have violated the FCRA law for not handling my situations properly, I sent you a dispute letter regarding the inaccuracies and errors on my report but its been over a month, and those accounts are still on my report pulling down my scores. I'm filing a complaint not only on CFPB but only with Atty General this time
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-06-17
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. (NJ)

XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition they are violating my Ferpa rights in sharing my medical information without my consent.
Consumer complaint received 2022-06-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX and 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 my written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-17
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. (TX)

I noticed several accounts on my credit report that does not belong to. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, I deposited a check to capital one bank. The check was for {$2800.00}. Capital one bank held the check for verification. I called several times for information on when the funds would be released. it has taken me till XX/XX/XXXX to figure out what happen to the funds. capital one bank closed my act. and moved the funds to a limbo acct. even though I had both institutes on the phone verifying finally that the funds were valid. capital one requested that the institute that the check was issue from ( XXXX XXXX XXXX XXXX ) ask for a harmless release hold letter to them so they ( capital one ( can send my money back to the bank. So when I called XXXXXXXX XXXX XXXX XXXX. The rep told me that they do no such thing. The rep informed me that I needed to report on a fraud government site and request my money be released to me.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

To Whom It XXXX Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022, by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( XX/XX/2022 ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days, not XXXX more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXXXXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

We recently filled a comment with CFPB, to intervene on our behalf to Wells Fargo the the results were very unsatisfactory and incorrect information was given back. The representative from Wells Fargo named XXXX who contacted me by phone, had assured me 3 different occasion that she would be sending a letter asking for detail. It has been two weeks and counting, she stated that the mail is slow, this was not a certified letter, and I do not understand why we haven't received it yet. I am expecting to see this letter. They have closed the complaint account without us having the availability to see what the letter was about, or for, or pertaining to this letter. I don't know how an account can be closed when there is incomplete information. This just proves, and verifies, the absolute circus of clowns that we have been dealing with from Wells Fargo over & over all these years. This is the exact thing that our original complaints covered, and the only thing we get back from Wells Fargo, is more continuation of flat out lies.
Consumer complaint received 2023-04-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

I have been notified by my XXXX bank account that there appears to be dark web activity against my account. It states that I owe {$81.00} for a delinquent policy payment to XXXX XXXX insurance. The vehicle involved was a XXXX  XXXX XXXX, which I have never owned. The Credit Collection Service phone # XXXX. 
The account in question is for XXXX XXXX XXXX Co, reference # XXXX My contact information is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stenger & Stenger, P.C (TN)

Stenger & Stenger has PROVEN nothing of the legal process of Debt Collecting! NOT ONE OF THE DEBT COLLECTING AGENCIES ... THERE HAVE BE 3 ON THIS DEBT ... HAS EVER!!! SENT ANY PROOF OF SUMMONS TO APPEAR IN COURT TO DISPUTE SAID DEBT CLAIM!!! We have asked Stenger & Stenger to sent validity of this JUDGEMNT!!! TO DATE ... THERE HAVE BEEN NOTHING SENT!! So, until Mr. XXXX get to have his day in the court to dispute this debt.. they are in false debt colleting. And.. this debt is TIME-BARRED according to any laws regarding credit reporting. https : //www.consumer.ftc.gov/articles/0117-time-barred-debts. What should I do if I'm sued for a time-barred debt? 
Defend yourself in court. If you're sued to collect on a time-barred debt, pay attention, and respond. Consider talking to an attorney. You or your attorney should tell the judge that the debt is time-barred and, as proof, provide a copy of the verification from the collector or any information you have that shows the date of your last payment. The lawsuit will be dismissed if the judge decides the debt is time-barred. In any case, don't ignore the lawsuit. If you do, the collector likely will get a court judgment against you, and possibly take money from your paycheck, bank account, or tax refund. 

Assert your FDCPA rights. It's against the law for a collector to sue you or threaten to sue you on a time-barred debt. If you think a collector has broken the law, file a complaint with the FTC and your state Attorney General, and consider talking to an attorney about bringing your own private action against the collector for violating the FDCPA.
Consumer complaint received 2021-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: UNITED BANKSHARES, INC. (DC)

On XX/XX/XXXX, George Mason Mortgage ( " GMM '' ) and I entered a Rehabilitation Loan Agreement ( " Agreement '' ). As a result of entering Agreement, GMM became responsible for processing renovation loan activities and payments associated with my FHA Section 203 ( k ) renovation loan. 

On XX/XX/XXXX, GMM stated that I needed to pay a contractor {$11000.00} for materials and labor related to the renovation project. GMM stated they would not service the FHA Section 203 ( k ) renovation loan until I paid the contractor {$11000.00}. I informed GMM that the contractor was not owed {$11000.00} because contractor did not perform on those items. From XX/XX/XXXX to present, I provided GMM with contemporaneous documentation that proved the contractor did not pay for those items and, therefore, was not entitled to payment for those items, I also provided documentation that showed the contractor owed me {$7100.00} because GMM paid the contractor for materials that were purchased by me. 

From XX/XX/XXXX to present, GMM has ignored many of my communications to them asking for clarification, acted as an advocate for the contractor 's interests, spread disinformation about the FHA 203 ( k ) options available to me, and failed to uphold its responsibilities outlined in the Agreement and FHA Single Family Housing Policy Handbook. 

GMM still refuses to service the FHA 203 ( k ) loan until I pay the contractor {$11000.00} for labor and materials it did not perform.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXXXXXXXXXXX**** Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX ( XXXX ) Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX CARD Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX