davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (TX)

- Kindly remove these addresses and update it with my current address there should be one ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate Name : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at numerous credit card companies. This fraudulent account consist Jefferson Capital System which was opened XX/XX/year>. This account have resulted infraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The following names and addresses are incorrect on my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I am writing to report a theft to my bank account and to help me recover the money. On XX/XX/XXXX, I realized that there was an unauthorized transaction on XX/XX/XXXX in my Wells Fargo checking account of XXXX dollars, a company called XXXX XXXX XXXX through a false check that I didn't even sign. Once I called the bank I realized that the bank has been authorizing payments from my account to three companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on a cyclical basis since XX/XX/XXXX through False checks that I never signed nor are they mine, for a total of 41 checks and a sum of XXXX dollars. At that time, I request to close my checking account and made a Fraud Claim for the whole 41 fraudulent transaction, for a total of XXXX dollars, two days after Wells Fargo sent me a resolution for my Claim # XXXX and only reimbursed me XXXX dollars because a lot of time had passed between the fraudulent transactions ( which they authorized ) and the moment I contacted them to let them know that there were stealing my money from my Wells Fargo account.

When I called the claim department, a lady, in a very disrespectful manner, told me that it was my responsibility to find out quickly if my money was being stolen, when I let her know that my money in Wells Fargo has XXXX protection, for the first XXXX dollars, and to prevent their clients ' money from being stolen there is a Fraud Department at Wells Fargo, she, in a disrespectful manner and speaking over me, tells me once again that I was responsible and hangs up on me.

I am writing to you, since Wells Fargo plans to clear its hands, what is the next step for me to recover the money that Wells Fargo, as a banking institution, allowed me to be robbed. I need to obtain a police report, what need to be the next steps?
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MA)

On XX/XX/year>, my Chime account was closed without any prior notice. I was not informed via email, message, or phone call about the account closure. I only discovered this when I attempted to log into the Chime app and saw that I had no account with them. I immediately contacted Chimes customer service to understand what happened, and they informed me that my account had been closed. They mentioned that they would send me a check for my funds. 

On XX/XX/year>, when I contacted Chimes customer service to inquire about the closure of my account, it was reopened during the call. However, the money was no longer in the account. I have made multiple calls to Chime, and the representatives seem confused about the status of my account. They acknowledge that it is now open, but they are unclear about the sequence of eventsspecifically, that my account was closed and then reopened, yet the funds are missing. 

Later, I received an email stating that my account balance of {$1200.00} was transferred to the state due to an extended period of inactivity, as per state and federal guidelines. They advised me to check my states unclaimed property website to retrieve my funds. However, when I checked the website, there was no record of my funds. 

During multiple subsequent calls to Chime, representatives informed me again that they would send a check for my missing funds, but they seemed confused and unsure about what had happened to my money. This situation has caused me significant stress, as I relied on these funds for emergencies. I need clarification on the status of my funds and instructions on how to recover them and why I was not informed about the account closure and the status of my funds.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (CA)

Relay Financial and their banking partner XXXXXXXX XXXX  has frozen all of our accounts. I tried to do an internal transfer of money from our operating account to our payroll account and they rejected the transfer. The same thing happened to my business partner. All our business funds are frozen and we can not pay our employees. I was on hold for 0.5 hour then got a message saying that no one was available to help me and i should call back later. I've gotten no response to my emails and their chat function is a bot that only gives general information. There are no branches I can visit because this bank is in XXXX  and we are in XXXX
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I have 2 Master Card credit cards with the bank RBFCU, the personal one and the business one since XXXX and to make the payment of the credit cards I have always done it online by logging into my account with my password and I make the payment on the balance shown by the system in the home page until then there was no problem, because the balance shown on my credit card was true, as was the availability of credit. 
I always made my payments on the balance that the bank 's system showed when entering my accounts and I never had a problem with that before, the value it showed was the value I really owed. No hidden values. 

On XX/XX/XXXX, according to the balance shown by the bank system, I had to pay {$4400.00} to the personal credit card and so I did. But the bank says that I made a mistake in the payment ( which is false because that's how the system showed it and that's what I did ) and they are charging me that same value to my business credit card with interest accumulated from XX/XX/XXXX to date. In addition, this payment generates an overpayment on the personal credit card that the bank should transfer to my business credit card balance. 

Also starting in XX/XX/XXXX, when the bank changed credit card provider, the balance of my credit card that the system shows on the home page is not the real one, it shows a false current balance and credit availability, which led me to accumulate a balance of {$12000.00} which I was not aware of, because according to the bank it says that I must go to another page ( XXXX XXXX ) to see the true balance, which is somewhat illogical because the bank must present the same balance value at any time. place in the system where the client requests the information. 
According to the system balance as of XXXX XX/XX/XXXX, my business credit card debt is {$170.00} with a credit availability of {$14000.00}. 

The bank disputes that it sent me statements but I always paid according to the balance of the system and there were no such problems and now due to their information error in the system I must assume the consequences by paying a large sum of money. So now I am requesting that the bank give me a solution to this since because of them I have accumulated a debt value with interest that I will not be able to pay. 

I attach evidence of : payment made of {$4400.00}, wrong system balances to date that do not match the true balances.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

I applied this XXXX XXXX signature card in XX/XX/2024 for the XXXX mile bonus with {$4000.00} spending within 3 month requirement and I made that requirement within that period. I made sure with XXXX before I start to using the card that Terms still attached to the card on activation process. but I didn't received it up until now. I requested that to the manager line XXXX times that I didn't received sign up bonus mile as it described on application form. 

But my request was declined.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I am being locked out of my account every few days over the last couple weeks in XXXX and XX/XX/year>. They are not providing an explanation to why I am being locked out. It has taken several hours or days to get my account unlocked.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WESTERN ALLIANCE BANCORPORATION (AZ)

On XX/XX/XXXX, I requested funds be transferred via a bank to bank transfer to my XXXX account on record with Western Alliance. No fund were transferred. On XX/XX/XXXX, I requested funds be transferred to my XXXX account and the Western Alliance account be closed. Western Alliance claimed the transfer did not go through as directed by me. The bank did not answer my e-mails except to say " it takes time '' to complete a transfer. My complaint is that Western Alliance did not communicate any of that information to me until several days after the problem occurred and then only because I initiated several phone calls to the bank. On or about XX/XX/XXXX, I called the bank to find out why I did not receive the bank to bank transfer. At that time it was explained to me there was a glitch in the bank to bank transfer. I asked them to use another method to transfer the funds i.e. wire or cashier 's check that I pick up at a branch. I was informed that the bank would not use those methods because I was dealing with an on-line bank. I was told that a cashier 's check could be mailed to me. It is XX/XX/XXXX and the check has not been issued or mailed. I needed my funds over week ago and I am still waiting for Western Alliance to " process '' the check. My biggest concern is that my e-mails are ignored, and the bank does not follow up and or keep me informed of the process.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (CT)

I received a call today from Selene XXXX XXXX XXXX XXXX  and was able to pick up the call. The customer service representative informed me that my mortgage went up by XXXX dollars a month because of escrow. My mortgage home taxes went up for the year by XXXX dollars a month and I'm just finding out about this. I was informed i have to keep double the amount in my account. I have been trying to remove my home owners insurance and my taxes from my current mortgage. I want to pay it on my own, I don't like how Selene do business and I always have a hard time getting proper assistance. I want to pay my own taxes and insurance yearly because it will be easier and less stressful. I don't understand why it takes this company so long to respond, I can't afford the extra XXXX dollar a month and I don't want these payments spread out for the next XXXX years. I'm very annoyed and need help, it seems like they don't want to work with me, they are trying to bury me. The company is Selene Finance and I believe they are a mortgage lending company. My current mortgage is XXXX and due to them stating I have to have double the escrow in my account and they said I was short by XXXX dollars for my taxes because the town went up. I want to pay my own taxes and insurance to avoid situations like this because my mental health is impaired from this and now they want my to pay XXXX. This is crazy and ludicrous, please help me.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Hello my name is XXXX XXXX XXXX, the reason for this help is because I am a single mother of XXXX kids. Im having a hard time finding a place to live, due to my eviction that was held on my credit report on XXXXXXXX XXXX XXXXXXXX. I made a payment that was paid in full amount of {$3600.00} on XXXX, XXXX. Payment was paid to the creditor " Claymore Crossing Apartment '', here is the creditor account # XXXX to the collection agency : Transworld Systems Inc ( TSI ). Here is also their account # XXXX. 
I also do have a letter stating that my eviction has been paid off, I just need the help to get it deleted off my credit report so I can be able to provide a roof over my kids and not move into a shelter.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

On XX/XX/XXXX, I submitted a paycheck from my part-time job. When I checked SoFi bank 's app, I saw that {$1300.00} was pending rather than the {$130.00} I was paid by my employer. As soon as I saw this, I called my bank about the error to try and have it canceled before the funds could be posted to my account. I am unsure whether it was an error in how I submitted the deposit, but the bank should have verified that the amount was correct and instructed me to resubmit the deposit. 

After some time, I forgot about the transaction. At the end of XX/XX/scrub> 2024, my manager approached me and let me know that the accountant had discovered the error. Remember, I tried to stop the transaction because I work for a small " mom and pop '' type of restaurant. My manager requested I contact my bank and figure out what happened. I talked to multiple people at SoFi since the last week of XXXX, all of whom acknowledged that the fault was on their end and that the check should have been rejected. 

In the first week of XX/XX/scrub> 2024, I logged onto my online banking and saw that the {$1200.00} was taken out of my account, without any notice that it was going to happen or any debit being posted to my account. This immediately drove me into overdraft by approximately {$800.00}. 

If there was any open communication, I would not be so stressed about this, but any communication I initiated. I also take issue with the fact that they did not post the debit to my account. I requested that the bank return the money to my account since it took more than XXXX months to even catch the error and because I did everything I reasonably could to avoid this. Had they rejected the check, I would have resubmitted. Or, if the error was made clear to me, I would have immediately paid my employer back. The complete lack of transparency and communication is why I am certain that I am not responsible for them taking more then {$1200.00} out of my account without notice, especially I called before it was likely to happen and nobody could tell me that it would. 

I tried to resolve this with SoFi bank on multiple occasions, but did not receive any helpful resolution, only a loss of {$1200.00} that I did not have my account. I believe that a multimillion dollar business should absorb the cost for their error rather than an individual who did their due diligence. This has been a deeply stressful experience, as I have never overdrafted before, let alone by {$800.00}.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synerprise Consulting Services, Inc. (TN)

XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Unauthorized Collection Account Account Number : XXXX Creditor : XXXX XXXX / XXXXXXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute the collection account from XXXX XXXX ( Account Number : XXXX, reported under XXXX XXXX XXXX, which appears on my credit report. I did not authorize this debt, nor have I had any knowledge or business dealings with this company. 

In accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to dispute this debt and request immediate validation. Furthermore, if this debt has been sold to another company or third party, I am not legally obligated to pay it, as I have no contractual obligation with any third party related to this account. 

Additionally, I did not provide any written consent for this account to be opened, nor did the company provide me with any written consent or verification of the debt. I also have not received a 1099-C form, which is typically required when a debt is forgiven or sold off. The absence of these documents further supports the fact that this collection is not valid, and I request its immediate removal from my credit file. 

Please investigate this matter and provide documentation proving I authorized this debt, or remove this inaccurate collection from my credit report promptly. The inaccurate reporting of this account has negatively affected my credit score, and I expect corrective action in compliance with my rights under the law.

Kindly send written confirmation that the account has been removed from my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (AR)

UNITED COLLECTION BURE been attempting to collect a debt since it allegedly opened on XX/XX/year>. This Debt is the result of identity theft. I have asked this company to provide supporting documentation proving this account belonged to me, was opened by me, or that I gave them permission to contact me regarding a debt that has never belonged to them.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC (IL)

I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed an error regarding a debit account with the balance and other details reported incorrectly. Below are the details of the account : Account Name : XXXX Reported Balance : $ XXXX {$1300.00} Correct Balance : {$270.00}