davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, I wrote a check of {$500.00} to XXXX XXXX XXXX for his service in my bathrooms. 
He deposited the check the same day to his account in Wells Fargo bank and my bank account had a withdraw of that check in XX/XX/XXXX. XXXX XXXX received a notice that an insufficient fund from Wells Fargo bank and it won't be available until XX/XX/XXXX. Even though we Wells Fargo banks was contacted for several times and did not explain to us why there was such a delay. 
This morning, XX/XX/, XXXX XXXX and I went to a branch near me and spoke to XXXX XXXX XXXX of XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX CA XXXX. He rudely dismissed us and restated that the money would be available only in XX/XX/XXXX  which is 13 days after the deposit and the withdraw from my bank account. My bank is XXXX XXXX  and the branch I used is at XXXX XXXX, XXXX, CA XXXX. XXXX XXXX. XXXX XXXX stated the withdraw was successful. 
XXXX XXXX was upset by the statement from Wells Fargo bank that this check had insufficient fund. And the false statement from Wells Fargo regarding to " insufficient fund '' tarnished our company 's reputation. 

In the mean time, Wells Fargo seems to have no delay on depositori and receivers with no XXXX or XXXX names. My in-laws with last name XXXX deposited a {$4500.00} check in her Wells Fargo bank XXXX XX/XX/XXXX was treated differently.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (WA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (CT)

XXXX and called the company right away and the purchases were not authorized by me. Another month goes by and the credit card company sent me another letter of saying I am, responsible for the amount and its gon na be reinstated on my credit card statement. I called them again and they told me they can try to get the money back from the criminal and if they dont, I have to pay it last time I spoke to the credit card company was XX/XX/year>. They said they cant do nothing for me which led me to contact you guys. I have proof to back up what happened to me forms of text messages as well as photos. I went back to the street where I was XXXX and saw the guy and was able to take a pic from far. I saw a local policeman and stopped him and asked him for help since I was scared to approach the guy he went to look for him based on the photo I provided, but could not find him. I did not file a police report at the time that I was talking to the cops. I had a XXXX with me and was not able to drive to the police station.My credit card is a Barclays card which I pay XXXXXXXX XXXX  XXXXyear.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (OH)

I have a checking account with SoFi Bank and an authorized transaction with a company XXXX for XXXX for a membership that was canceled prior to them taking the funds the company only refunded XXXX so I reported the XXXX to SoFi I gave them the allotted amount of time the XXXX business days and I was told my multiple representatives including managers and supervisors XXXX named XXXX that would have my provisional credit by the end of the business day XXXX which was not the truth so I called today XXXX XXXX was rude and only gave me the run around stating that I now had to wait til Monday after I explained the urgency of needing my funds
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (PR)

I have been trying to validate a debt for more than 2 months, on repeated occasions I have sent communication of all kinds. I have even made previous complaints to the CFPB. 

I have an alleged debt in collection, the alleged debt with the account number ending XXXX belongs to XXXX XXXX. A letter arrived indicating the alleged debt and that it is owed to Radius collection systems. The two times I have requested to validate the debt, XXXX XXXX responds by giving incomplete information or sending letters indicating that they do not have that information in their systems. If they can not validate the debt it should be eliminated, I have evidence of letters sent by XXXX indicating that they do not have that information, which I attach. Radius Global Solution LLC has not responded to my dispute letter and it must be deleted. The law indicates that they have a XX/XX/year> period to validate the debt and it has been more than two months and they can not validate it. They are breaking the law and violating my rights as a consumer. I contacted Radius and XXXX responded indicating that it has no information that may be in the future. The reference number with Radius Global is XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Notice of Violation of 15 U.S.C. 1681e ( b ) I have written notice from the clerk of courts that they don't provide information to XXXX  party reporting agencies.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was looking to my credit reports and find out there are XXXX accounts that has nothing with me, i have never aplied for that loan and credit card. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX )
Consumer complaint received 2024-04-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

I was contacted by phone on XX/XX/24 by Southwest Credit Systems L.P., the lady on the phone was had told me she was trying to collect a debt I owe to XXXX for the amount of {$340.00}. I processed to tell her I have never had a XXXX account ever and she told me that I had opened an account and specifically told me I got XXXX XXXX XXXX pros and XXXX XXXX generation XXXX XXXX and defaulted on the first payment date. None of this is true, nor does XXXX themselves have any record of this when I called and gave them the account reference number. She gave me the phone numbers to these phones, all which are out of service when I called them. I then by XXXX certified mail sent them a letter stating that I wanted to see proof of contract to validate them collecting this debt. Then I received very poorly falsified documents back from them with completely unrelated information to me. They have reported on my credit report under a different collection company named national recovery operations for XXXX the amount they originally stated and put that the debt was from XXXX XXXX instead of XXXX. I responded to back to the company, bringing to there attention that they are violating my rights and federal law under15 USC 1692k 812 ( a ) Furnishing Certain Deceptive forms & 15 USC 1692f 807. False or misleading representations ( XXXX XXXX XXXX XXXX XXXX. I also informed them of my filling this complaint.
Consumer complaint received 2024-03-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Its been XXXX years that Ive been disputing this item that was placed on collections that doesnt belong to me it was identity theft and the collection company refuses to deleted off the system after I provided them with a police report proof that I lived some place else and an affidavit but they continue to ruin my life because I cant rent any place because of that fraudulent account and at this point I am homeless because of it.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/year> someone claiming to be me, XXXX XXXX, and using my SS # went into Suncoast Credit Union in XXXX, FL, and took out a loan for {$10000.00}. 
This person then went to another branch of Suncoast Credit Union in XXXX, FL and obtained a credit card in my name. The limit being {$18000.00}. 
As soon as I became aware of these two fraudulent incidents, I called Suncoast Credit Union to complain and let them know someone else impersonated me and I did not borrow this money or take out a credit card. I have called them multiple times. I can never speak to the same person. The information I get is not clear. I am being ignored and getting no significant help clearing my name and credit record of these two fraudulent actions.

I have gone to my local police and filed a criminal report. I don't have the report yet. It takes a few days. 
I have called the three credit bureaus and asked them to freeze any actions in my name. 
Suncoast Credit Union XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX
Consumer complaint received 2024-02-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I have an AMEX reward card with {$200.00} loaded on it. I have tried to use it on XXXX at the end of XXXX. The card was declined multiple times, and left a pending charge on it for days that eventually disappeared. 

I tried again XX/XX/24 and the same thing happened. Knowing that {$0.00} was temporarily deducted ( I assume for verification ) I made a purchase for {$190.00}. The {$0.00} charge made it through and was " pending '' on the Amex website, but the actual purchase was declined by Amex.
Consumer complaint received 2023-07-04
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

WF CRD SVC XXXX
Consumer complaint received 2024-10-03
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)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-05-06
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. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (TX)

I have a motorized RV 20 year loan, originated with Essex Credit in XXXX, which was sold to Bank of the West and sold again to BMO Bank N.A. in XXXX. I have paid Bank of the West with a coupon book for 10 years of the loan without missing or late payments. 

BMO Bank N.A. notified me that they would be assuming the loan in XXXX of XXXX. Their mailings to me stated there would be no change in the conditions of my loan ( see attached mailings ) and that I would receive a new coupon book soon, but to continue using my current method of payment until receipt of the new book. 

I received one mailed statement of payment due, but no coupon book. I continued making payments with the old Bank of the West coupons. 

In XX/XX/XXXX, I made several telephone calls to BMO N.A. customer service inquiring about the new BMO coupon book and received various answers about why I could not get a coupon book, including, the need to refinance the loan to get a coupon book and that the payment method had been changed by BMO N.A. during the transition process. I requested elevation of my inquiry to a higher level of management at BMO. 

I was transferred to a XXXX XXXX, who informed me that he would resolve the problem and initiate a printing request for a coupon book that I would receive in 7 to 10 days. I did not receive the coupon book and again contacted BMO N.A. customer service in XX/XX/XXXX. 

This time the service agent informed me that I would not get a coupon book due to XXXX XXXX XXXX XXXX rules and that I must use a monthly mailed statement to pay the loan. 

As I never agreed to a change in my payment conditions of my loan, I mailed a certified letter ( see attached ) to BMO Bank N.A. requesting resolution. I received in return, an email directing me to secure messaging service which I had to securely log into and read that BMO Bank was unable to give a payment coupon book due to CFPB rules. I was not permitted to print the secure message. 

At this point, I decided to issue a complaint to CFPB.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about I reached out to the company several times and have sent letters when I found out about the Debt and was never contacted back. Also the company is Inaccurately reporting the Debt on my credit Report, ( The date Last Active is Incorrect/inaccurate ) ( The date last Reported is incorrect/inaccurate ) ( The date opened is incorrect/inaccurate ) Therefore this Debt Should be Deleted immediately, it is negatively affecting My Mental Health my ability to build Credit and my ability to get credit I have been dealing with these for several years and now I'm ready to seek litigation. I would like this debt deleted immediately. According to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Thank You.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

According to the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I XXXX XXXX XXXX kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX XXXX {$59.00} XXXX XXXX
Consumer complaint received 2024-05-06
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. (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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (GA)

My home was destroyed by fire from a lightning strike. My insurance company has provided the settlement check and the mortgage lender withheld an amount equal to the balance of the mortgage, I understand this and I'm not contending against it. My main issue with the lender is the very poor communication. I'm in the middle of rebuilding my house and I have to make draw payments monthly to the contractor. Their policy is to not start releasing the funds from the escrow account until it has reached 75 % of the rebuild. I feel that is unreasonable. But that being said, how do they determine 75 %? How much will they release at that time? How often will they release funds? I need specific numbers and they are refusing to provide them even though I have provided everything they have requested. I have had multiple phone conversations and multiple email conversations. The responses I get change depending on who I'm speaking with. Their responses are very slow. I need to schedule my payments to the contractor. I need to know when and how much those payments will be. Vague answers from the lender do not help. I need a competent representative from the lender to stay in communication with me through this process. Additionally, again they should not need to wait until 75 % of the rebuild to start releasing the funds.