davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NY)

XX/XX/year> Subject : Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB, I am writing to file a formal complaint against the following debt collection agency Radius Global Solutions for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

Radius Global Solutions LLC Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Debt amount listed on consumer report : {$100.00} Date Opened : XX/XX/year> I have received a communication from Radius Global Solutions regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Under 15 USC 1681 section 602 it states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 XXXX, EQUIFAX AND XXXX and multiple creditors have reported late payments and they are as follows : XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These are accounts that I have not given XXXX, EQUIFAX AND XXXX my written instruction to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Balance : Balance : {$0.00} XXXX  XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX XXXX {$2100.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Betterment LLC (MA)

I am writing to formally lodge a complaint regarding a series of mishandled transactions and lack of resolution on my Betterment checking account. The details of my concerns are as follows : On XX/XX/year>, I received an email abruptly terminating my client agreement with Betterment, citing that your platform and services were deemed not suitable for my needs. At that time, my account balance was XXXX XXXXXXXX, on XX/XX/year>, I received a request to upload a valid U.S. government-issued photo ID due to the large dollar amount in my account. I complied promptly.On XX/XX/year>, I was informed via email that XXXX had determined deposits from XXXX into my account were fraudulent and were being recalled by the card processor. Consequently, my account was locked to prevent a negative balance until the funds were recalled.Despite my assurance and evidence that the transactions with XXXX were XXXX had booked and subsequently canceled ticketsthe account remained locked.On XX/XX/year>, I discovered a debit transaction dated XX/XX/year>, labeled " XXXX XXXX XXXX XXXX, Debit to offset Issuer Dispute XXXX Returns '' with a withdrawal of {$15000.00}. This transaction occurred without my authorization or notification, further exacerbating the situation.Despite numerous attempts to seek clarification and resolution from Betterment, including providing evidence from XXXX confirming the legitimacy of the transactions, I have received no satisfactory response or action.In a statement XXXX bank responded to FDIC complaint XXXX, the bank stated that " all the remainningrefunds in you account at the time of closure have been issued back to XXXX due to the dispute processed through Visa ''. However, in another statement betterment responded to XXXX complaint XXXX, XXXX stated that " on XX/XX/year>, out partner bank XXXX sent XXXX a letter confirming that the funds previously held in you account were returned to you via check through the dispute filed by XXXX via XXXX. XXXX and betterment has contradictaryconclusion on the same issue. XXXX stated that the money returned to XXXX and the other one stated that the money returned to myself via check. I do not receive any refund from XXXX or XXXX or XXXX for the resolution. Further, neither XXXX nor XXXX 's statemtnsalign with the record in the chekcingstatement, which stated the money was transferred to the so-call " internal to program reserve ''. I have requested many times for the proof of the money, which has been transferred to XXXX in their statement, betterment never provided that kind of evidence.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DSR HOLDINGS GROUP, LLC (IL)

DSR debt collection company keeps calling harassing myself, my daughter, my father, and my brother. I talked to them last week and told them to stop calling my family. They refused and continue to do so. I also asked for a debt validation letter, which they refuse to provide. They stated that supposedly they mailed something last year. I advised that I havent lived at that address for over a year. The rep was still rude and continues to call and harass myself and my family.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (MI)

Now the truth is out about all these different frauds including stolen identity by your client fake XXXX XXXX XXXX fake SSN numbers XXXX and XXXX here in our country XXXX XXXX XXXX and used those fake titles including XXXX XXXXXXXX XXXX XXXX  on those loans as you say I started loan XXXX and absolutely have never done business with XXXX XXXX and that fake title as a XXXX  got reported as XXXX. He also got a credit card in my name with XXXX  XXXX as ending XXXX. Then with XXXX XXXX XXXX  ending XXXX, XXXX, XXXX and XXXX confirmed by another XXXX XXXX XXXX XXXX ext. XXXX still claim no XXXX unpaid. Then he use a fake lender that do not exist NOT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX id # XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, do not exist. Then around XX/XX/XXXX XXXX  informed me he cash XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed on by XXXX  supervisor XXXX on XX/XX/XXXX to the XXXX he cashed. They informed me to make police report and I did as XXXX Det. XXXX XXXX XXXX that he cash XXXX XXXX XXXX XXXX XXXX still unpaid. I received notice from XXXX XXXX no XXXX that Tradelines - XXXX XXXX  Resolve XX/XX/XXXX and XXXX has confirmed my loan were paid off in XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX under threat against my family I purchased gift cards and gave the unknown threatening person the numbers. He called me from these numbers telling me he knew what I was doing every moment:XXXX, XXXX, XXXX. I have been under continual treatment for XXXX XXXX XXXX since XX/XX/XXXX. XXXX XXXX XXXX. I believed this man until I didn't, then went to my bank and then made a police report. XXXX XXXX XXXX, XXXX, FL XXXX. 
XXXX Police Department, case XXXX, XXXX. 
I called XXXX and CitiBank XXXX, cancelled cards, told story.Both told me no problems. Called back the next day. Still had work to do with XXXX, Citibank said never processed so no charge, good to go. Right now, I think XXXX chose to count the charges as a mis post, but the future hasn't happened. This complaint is both about Citibank and XXXX, primarily Citibank. 
Since Citibank told me the charges had not been processed on XX/XX/XXXX, and my balance was XXXX ( so did XXXX ), I had called XXXX to give them additional info and found out that I did owe it, but they have a Consumer Advocate Line and something called Ethics Point. So I called Citibank and there began a process from XX/XX/XXXX to today, XX/XX/XXXX, where I'm told I do owe the money, no I don't owe the money. Security Operations people ( XXXX ) told me I absolutely don't owe the money, I'm a good customer etc. I get a letter I owe. I call, I don't owe. I get a bill, I call, their end is showing XXXX. I get another letter. This time the Security Operations Supervisor gives me a confirmation number, XXXX. Nominee owed. Get a bill. Call security Operations, I do owe the money, no such confirmation number. Every person I talked to I asked about a XXXX XXXX XXXX, none. I even called XXXX, have to deal with Citibank. Talked to XXXX people today. Was told by XXXX people, a person who could help me would call me, to keep lines clear. No call. I feel like a ping pong ball. I feel abused. The cancelled CitiCard is XXXX. CalledDept of zelder Affairs because I feel do psychologically abused and it is hurting my health. Just went through and erased account numbers. After calling CitiBank so many times. I've lost count, I can tell you that they don't record telephone calls, they don't always make notes, they lie, they transferred me from XXXX service rep to another on more than w occasions, telling me I was going to a supervisor or Advocate. Today I heard from both CitiBank and XXXX, they don't have Consumer Advocates. Their other modus operandi is to hang up on you before you can finish telling them what you need, and to tell you someone will call you back and they don't.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MN)

I opened a high-yield savings account at Goldman Sachs after getting my Apple credit card. I had no difficulties transferring money from my XXXX XXXX bank account to Goldman. This account grew to approximately {$160000.00}. There was no email or paper trail of any transferences or balance. Instead, all was stored in the Apple Wallet app. My XXXX broke and I could not log in to my Apple card anymore. I decided to close that card as the lack of any paper trail - even emails- made me very uneasy. I then requested to close my savings account with GS. No problem, they said. They could not transfer the funds back to my XXXX XXXX account- why?? they had no problem when the $ flow was towards them - so they told me to expect a check w/i the next 3-5 office days. The next 2 days I was called by them. The voicemail said to call a certain XXXX XXXX at a number. This number was the main Apple Card support number. I explained the situation, they " checked things out '' and everything seemed ok. Same message the next day, same answer. Today, six days after the closing call, having received no letter or email, I decided to call them. I was put through a Goldman Sachs agent who informed me that nothing had been done as the closure was not confirmed and was under review. I expressed my frustration. I asked to speak to a supervisor. Surprisingly there were " none '' as all had left XXXX minutes ago. And that she could not do anything for me. So now, I'll have to waste another hour to call, explain the situation, and get nowhere. It is clear that they are stalling. And, having zero paper trail, they can just as well tell me I never had an account with them. This stinks of fraudulent activity. And if not nefarious, for sure incompetent. Worse banking experience in my XXXX XXXX
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Bank of America continues to place holds on my payroll checks even after I've held the account in good standing for more than 30days. I deposited a check yesterday XX/XX/XXXX and was told {$220.00} would be available immediately then there would be a 2 day hold on the balance till XX/XX/XXXX. Thats when my rent is due. I am also restricted to {$2500.00} in mobile deposits per month for 90 days or so they say as the counter deposit problem has now shown to be longer than 30 days. 

At XXXX CT I received an email stating the ENTIRE amount would be held till XX/XX/XXXX. Rent is due tomorrow.

Awoke this morning to find they BofA released {$1000.00} into my account, but still states the full amount is " on Hold '' I called in to speak to a banker and get answers to which I was given only programmed responses, XXXX definitive or direct answers. Not only as to why the hold, but why the different " hold '' amounts and times. I also confirmed this morning that the source bank where the payroll account is paid from had the money pulled YESTERDAY.

I asked the banker on the phone how long I was to be treated like a criminal before my checks were considered viable, and I'd be able to mobile deposit more than XXXX XXXX. She had no answer, I even pushed and said " it could take 10 years? '' She could not ; would not refute that. 

How is BofA allowed to just randomly hold funds in escrow without proper reason? 

This is not the first time. When I opened the account I initiated an ACH draw from my old bank to fund the new accounts at BofA. The money left my old bank within a couple of hours. It did not arrive in my BofA accounts for over a week and that was only after I had to " rattle cages '' as even the bankers I spoke with then couldn't tell me what was taking so long.

My experience with BofA leads me to believe they are hold funds in escrow for for purposes other than verification. If I can verify the validity of a check in real time... WHY CAN'T A NATION WIDE BANKING COMPANY.

The call today was recorded ; here is the file info and banker I spoke with : XXXX from Texas : XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (DE)

SouthWest Credit Systems based in Texas alleges that I owe them money based on the debt they bought from XXXX. I have never had a contract with XXXX, never signed any agreements with Southwest Credit Systems, and I don't know anything about this debt. I have repeatedly asked for any information about the original contract and nothing has been provided. I would like for this company to stop any collection activity and delete any negative information from my credit reports.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (TX)

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 : XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 con
victions 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 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/year> I bought a XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. We had gone through a final price several times with the sales agent XXXX and expected to pay XXXX for the car. We had spoke to XXXX several times during the day and he assured us there were no add ons and the figure was XXXX. I showed up to buy the car around XXXX that night. The finance manager was not ready for me to sign and I had to wait around about XXXX hours for then to get paperwork ready. My daughter was in a rush to go from the time we got there as she is in high school and has homework. I also have multiple XXXX and I was tired. When I signed the paperwork I did not know that the loan amount was increased because of a warranty to XXXX. I signed the paperwork not knowing this, and my daughter drove me home and XXXX, the sales agent drove the car home to my house for me as I was very tired and was having trouble with my XXXX XXXX The finance guy gave me a XXXX XXXX and said all closing information was on it. About XXXX weeks later, I got mail from Wells Fargo that said the loan amount was for XXXX. I wondered why and my husband opened the XXXX XXXX. All the dealership had given XXXX was unsigned documents, like our insurance paperwork on the XXXX XXXX. Nothing about the loan or loan amount, nothing about a warranty, nothing signed. We called, emailed, and wrote the dealership and the owner of the dealership XXXX XXXX out of XXXX, and no one responded. Around this same time, we noticed a clicking on the front of the car. We had this looked at and it appears a CV joint was out. Since I was slammed with the warranty, I called the dealership again to see if the warranty would cover the XXXX XXXX. The finance manager did then send over the closing paperwork sowing the loan amount.Both finance and the service department would never, and still has not responded. We finally gave up on the dealership and found the phone number for first service who had been paid from my closing on the warranty, and they said the warranty is only for a power train. I never wanted a warranty in the first place as I told XXXX and his sales manager many times because from past experience I know them to not want to cover anything. I was slammed a useless warranty for about {$2000.00} without my knowledge and I want the warranty cancelled and my money for this warranty I did not want returned.