davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX XXXX XXXX XXXX  I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

I got into the loan under a misleading pay-to-work scheme by a scam company called XXXX affirm should not be allowing loans with a company that is not even on the XXXX  ( XXXX XXXX XXXX ) this company has had many victims. If you search up XXXX XXXX XXXX ( XXXX  ) on XXXX you will see testimonies of many other people being affected by these pay-to-work scheme. XXXX is not even the main buisness as they operate off multiple names when XXXX XXXX gets too hot, their main name is XXXX  XXXX. Their new handle ( XXXX ) is only 6 months old. Please help me with this as affirm which is a legit company is accepting these loans which should not be allowed to process or make happen. Thank you- XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (FL)

The accounts listed below are a result of identity theft. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately Identity Theft XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately FTC report filed on XX/XX/XXXX Dispute letters mailed out to Experian I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached.
Consumer complaint received 2024-07-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (MS)

I believe I should have been included in the Wells fargo settlement for high interest rates and denial of loan modification. However when I reached out to wells fargo via email they requested a claim form that I never recieved. My understanding is that there was no action to be taken on my part and the bank should have notified me. They did not! and when I inquired if I was entitled they asked if I submitted a claim form? I never received any information from them. Thy states via email they were not able to locate a record of a claim in my name. XXXX XXXX XXXX, XXXX # XXXX, former address property address : XXXX XXXX XXXX. XXXX XXXX XXXX phone # XXXX. Please assist if you can. Thank you
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/year> I submitted a wire transfer request for {$33000.00} from my CHASE BANK account to XXXX XXXX XXXX. The wire was sent to account XXXX to the recipient XXXX XXXX. The receiving bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ILLINOIS XXXX. 
I asked my Chase bank to recall it because the recipient stated that he did not receive the money. The XXXX XXXX did receive the transfer and they said the recipient had recipient did get the money and that they could not recall the funds unless the recipient gave them permission to withdraw the amount from his account which he would not do.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my privacy and confidentiality under FCR 15 USC 1681 XXXX # XXXX - XXXX XXXX Acct. # XXXX XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX XXXX 
Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681 section 602 A states I have the right to privacy.

15USC 1681 section 604A section 1 states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) states that no consumer report 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 more than seven years.

15USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency or person knows or has reasonable cause to believe that the information is inaccurate.

I request that these accounts are removed from my report of credit due to these violations and inaccuracy of the reporting.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

in XXXX Wells Fargo XXXX XXXX offered me a XXXX XXXX devise to log into my checking account where I had XXXX for months without any withdrawal. I could only access with that device. Somehow around XX/XX/XXXX ( have not exact info as Wells Fargo would not send me info ) someone not authorized by me created direct pay ( I never got the alert ), changed my mailing address and phone # to Florida address and starting XXXX started to withdraw $ XXXX daily direct pay in $ XXXX increments to payee with Strange names. All this time no alert, no bank contacted me. Strange enough on XX/XX/XXXX I logged into my account on line via secure devise and printed statement, not knowing that someone is taking money while I am int here with my secure devise. This came to my attention on XX/XX/XXXX, Saturday. I called to report the fraud, they blocked my on line access and advised me to go to branch on Monday XXXX to re open another account. I did. While I am in branch opening another account it is still not allowing me an access without a device. They opened another account and told me that the investigation will take XXXX business days. I got a mailed affidavit to be completed and sent back, I sent that in on the XXXX, but a day later I got a mail dated XXXX advising me that the investigation is closed and I was responsible for those missing funds. UP to this date no contact. No concerns. They closed the claim without reviewing my affidavit.. This is internal XXXX every time I bring that up with Wells Fargo they hang up on me. The claim # is XXXX. This is internal theft.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 informationisinaccurate
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

Im writing to report abuse of power this company has called and threatened me about amounts that I do no owe this company. They have called my family members and call me names very rude company, I have never signed any form of contract with this company at this point its harassment which I will be seeking compensation for if the harassment doesnt stop. I want this account removed immediately from my credit report. According to law 605 ( b ) fcra states it is illegal to report information on my credit report without my permission. As well as pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF T MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this deb is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (VA)

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 of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia 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 XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a 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 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (CA)

A fraudulent account was opened in my name through Self Financial Bank on XX/XX/year>. When I called Self Financial, the person I spoke to said they couldn't help me and then hung up on me. 

I contacted XXXX and submitted a fraud claim with them and with the FTC. XXXX advised me to contact CFPB and file a complaint here about this fraudulent account being opened in my name. 

Self Financial phone number : XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, MO XXXX This account has negatively affected my credit score and I am afraid for my identity.
Consumer complaint received 2024-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (SC)

When I logon to my account with Newrez LLC dba Shellpoint Mortgage Servicing ( Shellpoint ) loan number XXXX, I am greeted with : " Our records indicate that your loan has been service transferred. You can view electronic documents sent to you by Shellpoint prior to when the servicing of your loan was transferred. For any additional documents or information pertaining to servicing of the loan, please contact Customer Care toll free at XXXX, Monday through Friday, XXXX XXXX until XXXXXXXX XXXX MT. We accept calls from relay services on behalf of hearing impaired borrowers. '' They do NOT answer their phones, have NOT mailed me a letter, and there is nothing in their Document Center indicating the new servicer.

Per CFPB it is very clear that both the current and new servicer need to send details about the transfer. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Notice Of Dispute : This is in Reference To Account # XXXX ( Discover Bank ) Dear Discover Bank, I am writing to dispute the reporting of an alleged late payment on XX/XX/year> that has been reported on my credit report. I never received any notice in writing from you stating that you were going to furnish negative information in the form of a late payment to a consumer reporting agency. This is a violation of the FCRA per 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and it is your duty as a furnisher of information to comply to ALL FCRA requirements!

I am requesting you provide me concrete evidence such as the notice in writing with a certified tracking number for proof of delivery and date, as I should have received this maximum 30 days after this information was furnished on my credit report. If you are not able to provide the requested information I am demanding you modify the payment history of the alleged late payment on XX/XX/year> to an On-Time payment ( OK ) or No Data ( ND ) immediately! Please update the modification with XXXX, XXXX, and XXXX.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (NJ)

Dear SoFi Securities and invest I am writing to formally complain about the freezing of my investment account. This message is not for SoFi bank lets clarify right away. SoFi securities, invest, technologies or whatever you may call it. My name is XXXX XXXX. 

Despite contacting your customer service ( invest specialist ) department to inquire about the reason for the freeze, I have not received a clear explanation. I was informed that the reason is due to someone claiming I owe a debt, but I have not been provided with any documentation to support this claim, such as a court order. SoFi invests specialist on phone call has verbally claimed that there is a legal hold on my SoFi account on XX/XX/XXXX to be exact. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to send a written validation notice within five days of initially contacting a debtor. This notice must include details about the debt, the creditor 's name, and my rights under the FDCPA. As of today, I have not received such a notice. They have not even formally notified me of the hold. I found out of the freeze on my own and they did it undercover as well as erased trades that I had made on my account, I have photo proof of this. They removed the log of a trade I made on XX/XX/XXXX it was a purchase of XXXX XXXX XXXX XXXX XXXX and I sold it for a loss. For some reason they are hiding this transaction and it does not appear in the logs. 

Furthermore, I have only been a SoFi Invest customer for a little over a month. It is highly unlikely that I would have legitimate debt requiring such a hold on my account this soon after opening it. 

The lack of transparency and refusal to release my funds without proper justification is causing me significant hardship. My funds have been frozen for over 30 days, which is an unreasonable amount of time. 

I am requesting the following : Immediate release of the freeze on my investment account. 
A written explanation for the freeze, including a copy of any court order if applicable. 
If the freeze is related to debt collection, a validation notice compliant with the FDCPA. 
If I do not receive a satisfactory response within 2 business days, I will be forced to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (OR)

In XXXX I received a report from one of the credit bureaus that my credit had fallen from the XXXX to XXXX because of being turned into collections. This is from charges from XXXX XXXX which I have never been a subscriber. I called them and they said the charges came out of XXXX. I live in Oregon and have never been to XXXX. This happened to me roughly a year ago involving XXXX XXXX with the charges again coming out of XXXX. I got that resolved as the fraud it was but it took a long time for my credit score to get back into the XXXX. We are trying to finance a new home and this is really messing things up with my now bad credit. The amount that is charged to me is {$2400.00} I believe. Last time it was around {$1500.00}. This has really affected our lives and will check into legal action as well. XXXX XXXX said they would get back to me in a timely fashion regarding this and I have heard nothing for weeks and weeks. XXXX XXXX obviously has a issue with fraud and it is evident they do not care.
Consumer complaint received 2023-10-29
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. (AZ)

FTC IDENTITY THEFT REPORT ATTACHED.

All 3 credit bureaus have not removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were severely compromised by XXXX XXXX since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, Equifax XXXX XXXX. 
XXXX XXXX closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards.

37 times false billing line entries is identity theft and FCRA violations.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states : " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies Equifax and XXXX DO NOT have my consent to furnish this information and they DO NOT have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CF 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' So, I am OPTING OUT OF YOUR REPORTING SERVICES.