davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (TN)

I just bought my first home. I made it very clear to the lender that I was not going to pay points. As a matter of fact, I sent this email to him when he sent me an estimate after I told him that. 
" I thought you said there was no origination fee? But on this form it says origination charges 1.776 % of loan amount and then it says ( points ). That's very high. Can you please clarify? Are there points or not on this loan? And if this is not an origination fee, why does it say it is? I do not want to pay points and why is this fee there. I understand this can be negotiated and I'd feel much better if this fee was not here or it were a lower rate. The payment keeps going up and up and up. I feel like I'm paying a high interest rate already and now an origination fee? Most origination are XXXX5 to 1 %, this is almost 2 %. '' And he said this ... ... There is no free interest rates in todays crazy market & that is not a choice of mine. The Federal government dictates the cost of interest rates. Rate costs are essentially mandatory right now because investors know that people will be refinancing in the very near future & if they did not get up front money for their investment, they would lose XXXX of dollars. '' I told him over and over no points. He made it out to say that they were not points but that he had to " buy '' the loan. At closing, again, he said they were not points but he had to put them in that spot. 
I am a 100 % XXXX veteran and have never bought a home before. I had a lot of questions and he made a lot of promises and then double talked them. I have XXXX and a XXXX XXXX, am on a lot of meds and feel like he took advantage of this. After the closing, he never contacted me again and sold my loan within a week. He would not answer my questions and would not assist me with things he said he would. He promised that the loan rate would go down in XXXX and that we would refinance. He lied and lied and I feel really XXXX  but I was afraid to lose the house as the person who sold it had to take an offer asap. 
In addition to the loan issues, he inappropriately ( he was married and so was she ) and aggressively pursued my female real estate agent ( and friend ) and told her lies about the loan too. She was a novice. On more than one occasion, she asked me to stay with her so she would not have to be alone with him. 
The bottom line is that I can not find anyone to help me with a solid answer as to how it is okay to lie and misrepresent loan fees and points, especially to a XXXX veteran. He also added all the closing costs to my loan after telling me that I was not going to pay any closing costs. The name of the company is Supreme Lending ( Everett Financial ) and the individual who did this is XXXX XXXX.
Consumer complaint received 2024-04-04
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Debt Busters (CA)

Debt Busters debt consolidation. Asked for my social, asked me questions to verify my identity. They also requested for a routing and checking account #. I gave them all this information. They would not be upfront on how it would affect credit score and what their monthly fee was until I hmgave them this information.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX. 
XXXX, MD XXXX Dear Consumer Financial Protection Bureau : I am writing to express my concern regarding Wells Fargos practices concerning overdraft fees. There is a systematic pattern of exploiting consumers through excessive and unjustified charges. 

On XX/XX/year> I was slammed with a {$35.00} over draft fee for a pending amount and debit. The basic issue is that Wells Fargo has a practice of reordering debit transactions to increase the likelihood of overdraft fees, along with allowing pending debits to be used to overdraw an account so it triggers overdraft fees on an account. 

Unlike traditional banking practices, Wells Fargo has implemented a policy of routinely processing debit transactions that overdraw accounts and subsequently imposing a {$35.00} overdraft fee, even for minimal amounts. Furthermore Wells Fargo pushes processing and bank cut off posting time several hours into the next day so it possible to incur overdrafts on a debit that has not even posted or occurred that same day. Also, inter account transfers are not posted until after cutoff times, meaning that its better to deposit cash directly into an account than it is to make a transfer between accounts. Cash gets posted immediately, account transfers get posted hours after cutoff times or past posting date. This practice appears to be deliberately designed to maximize revenue rather than to serve the best interests of customers. 

Furthermore, the banks refusal to allow customers to opt out of overdraft protection exacerbates overdrafts. This lack of consumer choice is particularly troubling given the potential financial hardship these fees can cause. 

The practice of reordering transactions to increase the likelihood of overdraft fees is dismaying but it the above patterns of doing business that hurts consumers and creates mistrust of the banking system in general. This manipulation of account activity is unethical and demonstrates a disregard for customers financial well-being. 

I believe these actions constitute unfair and deceptive business practices. Wells Fargos policies are not only financially harmful to consumers but also erode trust in the banking industry. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX ( XXXX ) XXXX XXXX See attached :
Consumer complaint received 2024-05-10
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. (IL)

I called equifax and XXXX to let them know that I noticed unauthorized inquiries on my credit report and wanted them removed. They both told me they are not to remove the inquiry and to send in identification
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; Inquiries : XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (VA)

On XX/XX/XXXX, I received a debt collection phone call from the firm, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( no last name given ) stated that XXXX, the company managing my long-term XXXX benefits, had turned over debt collection to them for " XXXX offset. '' He claimed that I owed {$23000.00} in Social Security benefits, dating back from XXXX, XXXX, to XX/XX/XXXX. 
I told XXXX that I had only just started receiving benefits in XXXX, XXXX, and that I had received only the benefits for XXXX, XXXX, and XXXX, XXXX - that I have received NO BACK BENEFITS. He said that his collection company would intercede with XXXX on my behalf about the debt, and that he'd be " checking on '' the debt every few weeks! 
I tried explaining this directly to my XXXX claims XXXX, XXXX XXXX XXXX, that referring me to a collection agency about money I was never paid without even asking me about it, she said that a separate department of her company handled " recovery '' of " overpayment '' of Social Security benefits and that she would ask someone to call me about this issue. XXXX XXXX, a XXXX from XXXX XXXX XXXX XXXX XXXX, called me and said much the same as XXXX. I wrote a letter, which I mailed and emailed to XXXXXXXX XXXX XXXXXXXX asking for a transcript of the recorded phone call during which I clearly and repeatedly dispute this debt in its entirety. On XX/XX/XXXX, I received a written collection notice in my postal mail, again stating that I owe {$23000.00} in " XXXXXXXX XXXX XXXX' to XXXX. I have now explained to my XXXX claims XXXX AND XXXX different XXXX & XXXX employees that I have received NO BACK PAYMENTS from Social Security. This is harassment!
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (OR)

I deposited {$1500.00} in cash on XX/XX/XXXX at the local BMO banking branch. The atm had a problem and shut down before completing my transaction. It kept both my cash and my card. 

I called the XXXX number for BMO and filed a complaint. I also followed up on the following Monday at the branch. I was ignored every day that I called because of a communication and filing dispute between the branch and BMO at the XXXX number. It is a mess getting them to talk with eachother after they bought Bank of the West. Its unfortunate that they break regulations and mistreat customers during their banking expansion and purchase. Apparently the transaction wasn't sent or coded for the right review. 

On XX/XX/XXXX BMO told me they would keep my money for 45 days. I told them this was wrong after being a customer of theirs and Bank of the West with this account for a decade. 

I learned that this is a regulation E complaint and BMO broke the law. Every day they lie about the claim and hold my cash. I'd just like it back so I can move on with my life.

I learned about regulation E today after calling the police. BMO has now said it may be a regulation E claim and I was told to continue waiting 10 business days. I have already waited nearly 15 business days and this is surely enough money to be someone's rent or maybe groceries for a few months.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-23
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, 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Consumer complaint received 2024-08-23
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. (CA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
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. (NY)

I do not recognize these inquiries as authorized by me. 

I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed!
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

Access to my accounts via Chase Online banking requires a 2-step verification process. After logging in with my password, the next verification step consists of receiving a code ( via text message or automated phone call to the phone number registered under my accounts ). I live XXXX and my phone number is not a XXXX number. Chase seems to have changed its policies, which now mean that they do not longer contact XXXX numbers. Due to this I get stuck in the XXXX verification step and as a result, I am locked out from my own accounts. To add to the problem, Chase customer service will not help me find a solution to the problem before they can authenticate my identity, by providing a XXXX social security number, which I do not have. I have always being based XXXX. My checking account at Chase was opened by the XXXX company I used to work for more than XXXX  years ago. I have called Chase customer service many times, repeating my query to countless people I have been put through and the only solution they give me is to visit a Chase branch in person, which I can not do since I live in XXXX. I have logged a complaint with Chase and was promised a call back to help me with my case but, after weeks of trying, that has not happened. I hope the CFPB can help get through Chase negligence and complete disregard for customer rights. Thanks
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (KY)

On XX/XX/year> I accidentally disputed a transaction. When I realized I knew what the transaction was, I contacted cash app and asked to remove the dispute. I was told it could not be done. When I received an email stating that the dispute was resolved and I was credited, no credit was actually given. When contacted customer service on XX/XX/year> an advocate told l me I was credited on XX/XX/year>. It was never put on my account. So I called and spoke to a manager named XXXX who was unprofessional and sent me a bogus statement. Now nobody on the staff has helped.
Consumer complaint received 2024-06-16
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: BARCLAYS BANK DELAWARE (OH)

BARCLAYS BANK DELAWARE has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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: SLM CORPORATION (OH)

XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
SALLIE MAE BANK ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank/BARCLAYS BANK DELAWARE XXXX XXXX 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 2024-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

This amount of money {$4900.00} in total this missing money from social security benefits, I'm missing from XX/XX/year> ... through XX/XX/year>. My identification was stolen from in XX/XX/year>... I've been reporting this to the social security office and to cash app mobile banking platform, and I've been trying to resolve this matter through XXXX XXXX  that's over Cash app online banking. But they still refuse to resolve this matter or refund my money. That's why they'd suspended my cash app account because of my complaints. I need help from someone who is certified in resolving issue as mine. Please N thank you!
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Equifax - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Equifax has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Equifax has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account.

I have previously disputed this account with Equifax on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Equifax has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Equifax conducts a thorough and accurate investigation into the reporting of this account. Given XXXX continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Equifax accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Block, Inc. (FL)

I worked at only XXXX job and thats, XXXX XXXX XXXX XXXX in XXXX Fl XXXX My name is XXXX XXXX, and I believe 100 % sure my identity has been fraudulently used towards a company I owe on taxes that I have never worked for a day in my life they said I worked for a year from them and I never worked for a company like that I forgot the company name but if you pull up my info from the irs youll be able to see it all I remember the business name start with block, inc. name to it.. I just want this off my tax report XXXX XXXX XXXX XXXX  XXXX this been on my tax return since 2020 please help me to resolve this issue!