davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts listed on our credit report that we believe are in violation of various laws and regulations, including FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA : XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX Charge OfXXXX Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX Collection Account We dispute these accounts on the following grounds : 1. Violation of FCRA : We believe that the information reported on our credit report is inaccurate, incomplete, and outdated. We request that the information be verified and updated with accurate information. Failure to do so is a violation of FCRA.

2. Violation of FDCPA : We believe that the creditor/collection agency has engaged in harassing and abusive practices in their attempts to collect on these debts. This is a violation of FDCPA.

3. Violation of FACT ACT : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under FACT ACT. This is a violation of FACT ACT.

4. Violation of TILA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under TILA. This is a violation of TILA.

5. Violation of RESPA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under RESPA. This is a violation of RESPA.

6. Violation of ECOA : We believe that the creditor/collection agency has engaged in discriminatory practices in their attempts to collect on these debts. This is a violation of ECOA.

7. Violation of FCBA : We believe that the creditor/collection agency failed to comply with the requirements under FCBA. This is a violation of FCBA.

We request that the information be investigated and verified in accordance with the laws and regulations listed above. We also request that any inaccuracies be corrected and updated accordingly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-01
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: WELLS FARGO & COMPANY (CA)

There was a dispute over two transactions with Wells Fargo on my Business Line of Credit. I was formerly working with what I initially thought was a professional advertising/publishing company, which turned out to be a 'vanity publishing/book fair ' scam. I realized this was the case before the company, XXXX XXXX, was set to provide certain services in the Fall of 2022 -- As soon as I was made aware of their horrible predatory practices ( mostly used upon self-publishing authors of advanced age ) and experienced some of their poor, unprofessional and unethical treatment myself, I submitted my clear cancellation to them in writing about one month before the deadline. 

Wells Fargo kept me waiting for months while they researched the dispute, and my staff put together a thorough letter ( attached below ) clearly laying out documentation and the order in which things happened and submitted it to Wells Fargo dispute team. Weeks after that, I received a dispute decision that they were upholding the fraudulent charges, with no proper explanation or even reference to the documents I had submitted in which XXXX XXXX admits fault in relation to their own 'contract '. I called Wells Fargo following this dispute to let them know I would be contacting the CFPB. 

Thank you for your time and assistance in resolving this matter. I hope my experience can help others avoid this humiliating experience. I encourage other self-publishing authors to consider that a successful and legitimate publishing company will never cold call you at home or solicit you via email ; This is what I have learned through this terrible experience. Literary agents should assist with all publishing, authors need to be wary of all solicitations by phone or email, and deeply research any company that they consider working with.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: T.S. Holdings (TX)

My account was falsely reported to IQ Data Inc by XXXX XXXX 's manager XXXX in XX/XX/2022 because they claimed I failed to provide 60 days notice of move out. A debt was placed in my name and sent to IQ Data Inc, who contacted me by mail on XX/XX/2022. After several conversations with Property Manager XXXX XXXX and XXXX XXXX  Manager XXXX XXXX, I was told to resolve the issue on my own. 

I contacted IQ Data Inc and provided proof of my 60 day notice via email on XX/XX/XXXX and XX/XX/XXXX. They confirmed receipt both times, and sent the document to processing. On XX/XX/XXXX I contacted IQ Data again, who claimed that there was no documentation attached to my file. I resubmitted my evidence, and received verbal confirmation that they received my email. I contacted them again on XX/XX/XXXX, when I was told that the department that handles disputes had sent out two dispute emails to XXXX XXXX but had not received any response. I was told all I could do was wait. 

I contacted IQ Data Inc again on XX/XX/XXXX and was told that the dispute department had no made any progress on my case, nor had they made any additional attempts to contact XXXX XXXX. I was once again told to wait it out. I contacted them again, today on XX/XX/XXXX and was told that the dispute department had not made any additional contact attempts since XXXX of XXXX and that all I could do was 'try and send them an email and see if they will do anything for you. '
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC (NY)

This company has constantly reached out to me after I sent several letters, reached out to the FTC and also called and emailed them directly. I have submitted the letter that I have sent to this agency and the next step is to reach out to the attorney general office is this matter is not resolved. 

I have also submitted the tracking information for a letter that I sent out today asking them to not contact me since they can not prove that the debt is mine. Their practices are extreme as well as not warrant because I do not owe this debt. I have also let them know I am conversing with XXXX XXXX directly and I do not want further contact with this agency. 

I will also be submitting a letter to the collection agency today and I would also like for the FTC to forward the letter that I Lastly, I attached the tracking information for the certified mail that I sent today so that they can acknowledge that the letter and stop disregarding my request.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (IL)

Hello on XX/XX/XXXX I applied for a credit card with a 0 % balance transfer. Never on the website was i told there was a delay in receiving my card. i did not receive my card until XX/XX/23. During this time Penfed Credit Union would not send out my balance transfer requests as they will not until i physically receive the card and activate it. Since XX/XX/23 I have received XXXX credit cards with the same exact card # meaning they were activated when they mailed # 2 and # 3. As of today they have the companies i requested a balance transfer to have not recieved the payments. Online it shows i owe PenFed Credit Union money as well as everytime I call them I receive different responses from their customer svc dept. " The checks have been cashed. They were put in the mail on XXXX XXXX. They have not been cashed. I have to redo everything as its more than 30 days and they do not see my requests. '' Everytime i call its different. My credit score has dropped over 40 points since I applied for this card as the balance transfer request has not been completed. I have contacted XXXX XXXX and they assist in investigating issues like this with companies as well as an attorney. Its been over 2 months and none of my cc 's have received the payment of the balance transfer request but PenFed claims they sent it. They do not have tracking numbers or copies of the checks that they claim they sent to the companies on my behalf.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

It started with a charge from from XXXX. ( XX/XX/2015 ) I sent two phone back to them because they were damaged. I paid my insurance deductible and sent the phones back Via the postal backs they supplied. At first they said they got them, then they sent a bill for them as not turned in. For years we when over and over about this to where a XXXX XXXX bill is now XXXX XXXX dollar bill. 
The fact of the mater is that some miss place or taken the two phones we sent back.
Consumer complaint received 2023-03-01
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: SYNCHRONY FINANCIAL (NY)

ON XX/XX/2023 The company responded to me Adding that they will not honor my request The credit bureaus stated that account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX But how is that possible when " date open '' are inaccurate and " last reported dates '' are inaccurate and " last active dates '' are incorrect as well.THIS IS GROUND FOR REMOVAL.They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My behalf as well
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (AZ)

Ive been a Robinhood customer for years with a cash management account. I recently had to dispute a charge on my debit card and support would not initiate my dispute for almost a week. In this time, they limited my ability to request live support ( chat and phone ) through the app. My only option was to submit a ticket via email. 

It has been almost a month and this issue persists. I reached out to support today and representative XXXX informed me that they cant give me access to live support at this time but I may be able to establish rapport with them to enable this later on. 

This is absolutely ridiculous and against their obligations as a financial institution. As a banking customer, it is my right to be able to contact support through any channel I want to, whenever I need it. Its not a privilege that can be revoked and held over my head with conditions. 

Robinhood Money LLC is acting unethically and I do not trust them to hold any of my funds or assets. I need access to live support through ALL channels on my account to be reinstated promptly and permanently.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (IL)

The company is XXXX. XX/XX/XXXX I notified them in writing and verbally via phone. I replaced service provider XX/XX/XXXX and will not have the physical connection open with them but will keep the email active and open until XX/XX/XXXX. They billed be properly and it was paid. In XXXX, XXXX XXXX stopped billing because they were paid through XX/XX/XXXX. I received horriable calls from their sales people on recorded lines we want to keep your business but you need to call us. Sorry No you are the sales person, I do not call you. Then in XXXX XXXX I received a call from another company who wanted XXXX 's equipment back. I verbally and via email s end them the documentation their equipment was returned back in XXXX and I was credited back in XXXX for their equipment. In XX/XX/XXXX they sent me a bill, but my service is terminated as of XX/XX/XXXX. I wrote with the documentation to the Office of the President as clearly XXXX is not documenting their records. Now a XXXX is sending what looks like a collection attempt via email, does not state who they are collecting for but their digital trail states it is XXXX. A real collection agency following the rules needs to disclose who they are collecting for and this alleged company is not. I have made many calls and emails and now letters to XXXX and they properly stopped billing and cancelled the service XX/XX/XXXX but now they are relentless. 

I do not hide like the President of XXXX hides and is not reachable via phone nor is any of his staff every available to be reached to resolve issues. XXXX leaves email accounts open as they sell data and it is a profit center to allow the emails to keep on coming in.
Consumer complaint received 2023-02-28
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

XXXX19 I was charged XXXX 2 nsf fees XXXX each XXXX19 I was again charged XXXX NSF fee in one day I was charged XXXX in NSF fees for items I never received from XXXX on XXXX19 I was again charged XXXX for a stop payment fee on XXXX on XXXX19 I was charged XXXX again for 2 overdraft charges the charges Wells Fargo is trying to charge me overdraft fees I didn't overdraft I had the money in my account to cover them. They kept my state income taxes of XXXX because they say I was overdrawn and currently Wells Fargo is still claiming my account is overdrawn by XXXX. I have called into Wells Fargo 4 times concerning theses charges 2 times I have spoke with the fraud prevention department and 2 times with employees the last time I called in the woman was extremely rude and unwilling to help me or listen to me tell her the reasons y my account wasn't negative. Why is it Wells Fargo can commit fraud and because they are a bank get away with it that's not right if legally a bank can commit fraud and mess with your money and accounts why can't the rest of us get away with fraud. I'm unemployed I don't have a steady income so what ever money happens to be deposited into my account is the only money I have. It's not ok for a bank to take it for XXXX reasons just because their greedy CEOs want to line their pockets.
Consumer complaint received 2023-02-28
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 am requesting again in regard to the inaccurate and unknown account on my credit report. I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately in my report. 
XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (PA)

My name is XXXX 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.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a fraudulent activity on my Capital One Account on XX/XX/XXXX and the bank restricted all my accounts and now i have no access to withdraw cash or pay my bills while they investigate the matter. They wont give me an idea as to how long this would take and what options i have in the meantime. 

I am fine with them investigating the matter but at least i should be able to pay my bills out of my account. This puts me in a difficult situation and subjects me to fines, penlaties, cancellations of my accounts related to mortgage, rent, utilities, credit cards etc. 

I dont understand how the banks can take the customers accounts and hijack all the money and leave them with no options. This is completely wrong and should not be allowed. We as a customer have no rights when it comes to these things with the big banks.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The fraudulent account is on my consumer report. It need to removed as soon as possible. There is no 3rd party. I am human. There has been the following account that are not authorized under my consent or written approval. I have filed a FTC report regarding this manner. It needs to be attended this manner as soon as possible.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX  : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX : # XXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX : # XXXX - Has violated my rights UNAUTHORIZED INQUIRIES : FACTUAL DATA XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XXXX XX/XX/XXXX Has violated my rights And other list of INQUIRIES. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

During Cocvid-19, I started working with my mortgage company, Bank of America XXXX XXXX modify my loan. Bank of America assured me several times over 2 years that they were working on my loan modification each time I submitted the modification documents. Each time the modification packet was submitted, I was told constantly that the underwriters were reviewing the packet and it takes time to process. Eventually, I was told that the underwriters took too long to review the documents and I had to start the modification process all over! again, and again, and again and again!!! This happened each and every time I submitted the required document packet! Bank of America NEVER worked with me to modify my loan, and out of no where, they notified me the sale date of XX/XX/2023 to foreclose on my home!!! I was given the run around for over 2 years. Each and every time documents were requested by Bank of America, I submitted all documents, and called them to confirm that ALL documents were received each time!!! I spoke to a Law Firm and they offered to take my case and bring charges against Bank of America for unlawful foreclosure, because a large volume of other clients of this law firm have been treated the same in dealing with Bank of America in the same way when it comes to modifying a home loan with the end results being a Foreclosure!!! Here is the previous claim number, were Bank of America responded stating that they were working with me to help me stay in my home by modifying the loan!!! 

Previous Complaint # XXXX