davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PACIFIC WESTERN BANK (TX)

I was the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Association names- XXXX XXXX XXXX XXXXXXXX XXXX. 
During XX/XX/XXXX, we transitioned our HOA management from XXXX to XXXX XXXX  effective XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  made up a story that they need to move around $ XXXX from our existing bank to Pacific western as their software only work with that bank plus some other lies. 

Balance as on XXXX XX/XX/XXXX. 
Neighborhood : Operating- Acct ending in XXXX {>= $1,000,000} Reserves- Acct ending in XXXX {>= $1,000,000} Common : Operating- Acct ending in XXXX {>= $1,000,000} Reserves- Acct ending in XXXX {$250000.00} Current HOA Board tried to move the funds out of Pacific Western due to the following reasons : 1 ) Pacific Western XXXX XXXX not okay, please refer : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ) Getting very low interest of these funds. 

But XXXX XXXX come up with some other excuses that as elections are announced so let the new Board take some action not the existing Board. Elections were going to happen for next 5 weeks so that's a bad excuse. 

After the elections, I wrote to XXXX XXXX about what is happening now - has our funds moved out of Pacific Western or not? No response even after 2 weeks. 

We want our HOA funds to be covered by PacWest under ICS. Pacwest is a member of ICS ( Insured Cash Sweep ) for sure and any ics member bank has to show tranche in statements. hope this helps. there is no secrecy, as pacwest must be charging monthly fee to hoa account for this service. 

Also we would need only our operating account to be with PacWest  for them to seamlessly and {$250.00} XXXX is abundant and the operation account can be supplemented incrementally. 

We should be able to see the detail placements of funds in the monthly statement. XXXX ( XXXX XXXX  ) must have signed DPA ( deposit participant agreement ) for our account to be on ics, we need that DPA. XXXX XXXX giving us anything in writing holds no substance to mitigate default risk on our account. 

As a resident of XXXX- I want full transparency by Pacific Western to provide detailed accounts of our more than $ XXXX into these 4 accounts to each and every residents. Moreover only $ XXXX is FDIC insured, would like funds are safe guarded so that in case of Pacific Western 's failure- we may not be able to access our funds for around 60-90 days. 

If current Board would like to move out the funds to bigger, better, safer and stable bank accounts then Pacific Western must cooperate.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC (OH)

Today I checked my credit report and to my surprised I had a debt in collections from wakefield & associates that I was unaware of. I didnt recieve any communications from this company. I XXXX  and some folks said they tried to contact them via text message. I looked in my text spam folder and they had sent me a text message that seemed like spam so I not seen it until today. I tried calling the number in the text but it is not a legitimate phone number. I have not recieved any voice-mail or letters from this company notifying me of debts. I have no clue what this debt is for. The text message doesn't give an option to opt out of text. I believe this might be a scam and it's now effecting my credit report. This company 's text message doesn't give any legitimate way to contact them and I never opt in to text notifications. I've never spoken with XXXX to verify the debts as I was never given a way to contact them. Also on my credit report this is showing as paid off.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I purchased furniture from XXXX in XXXX with XXXX card. I was told card will not receive a charge until furniture was delivered. I called twice to set up automated payments, but was told I could not pay until sofa was deliver. I am XXXX going through XXXX XXXX, and told XXXX I would not remember to pay due to my condition. Still I was not allowed to set up automated payments. When discovered late from credit bureau alert. Called XXXX to as to billing statements. But XXXX stated account was closed due to inactivity in XXXX. XXXX also was updated to new address. Apparently, payments were sent to old address. I never received. XXXX took away late fees and stated credit report would get corrected. But, XXXX  crediit report remains the same. I need XXXX  to correct my credit report. Debt was paid as soon as I was notified. Correct when account was actually closed for inactivity in XXXX and remove lates for failure to sent statements to correct address.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (VA)

I am filing a complaint regarding the mishandling of a debt collection by Credence Resource Management , LLC, in relation to an erroneous charge for an XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX through XXXX XXXX. 

On XX/XX/2022, I purchased the XXXX on an installment plan from XXXX XXXX XXXX via XXXX XXXX. However, I returned the device to XXXX XXXX within the 14-day return window on XX/XX/2022, due to dissatisfaction. Despite the return being properly processed by XXXX XXXX XXXX XXXX XXXX erroneously billed me {$970.00} for the device, which was sold to Credence Resource Management , LLC for collection. 

Despite providing evidence of the return, including purchase and return receipts, Credence Resource Management , LLC continued its collection efforts and reported the debt to credit bureaus, severely impacting my credit score.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX, Opened XXXX {$220.00} CREDIT COLLECTION SERVIC Opened XXXX {$140.00} Debts reappear after removal under different names and either bought out by another creditor company
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

I've explained several times that this debt has been satisfied with the original creditor and this creditor has still placed this item on my credit report thus resulting in a lowered score. I've requested a debt validation letter and they have yet to provide proof that this debt exists.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a business checking account and business credit card with Babk of America. Due to the business being slow I have not being able to make payments timley for my credit card, however Bank of America with out consent or authority has crossed lines and dogged into my checking business account and taken out over $ XXXX without my permission or consent to offset the monthly payment being behind on the credit card. Again they have just taken that $ XXXX out of my business checking account without my permission and applied to the business credit card. This has been done unauthorized and its simply stealing from me this money was for my business rent and they have stolen this money from me without permission.
Consumer complaint received 2024-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (TN)

Spoke to XXXX XXXX XXXX XXXX XXXX  loss mitigation he said they have received the XXXX trial payment. Payment was put in a suspense account, because corporate missed signing all the final modification documents. My payment has not been applied to my mortgage. The signed final contract was received on XX/XX/. The loan has to be reset with the changes that were to be made. Spoke with Loss Mitigation supervisor XXXX because I received foreclosure letter from foreclosure attorney asked why my house in foreclosure I have made payment and sent final documents back. Flagstar supervisor said flagstar back end did not process final document correctly.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/year> I pulled a copy of my credit report and noticed a Bank of America credit card with a balance of {$9400.00}. I haven't made any purchased in years and should have a XXXX balance. I called the bank, and they wouldn't give me any information stating that they couldn't authenticate my account because of a phone number. The phone number they had belonged to my XXXX XXXX XXXX XXXX XXXX XXXX, but she is the one I suspect of making these fraudulent charges without my permission. The bank told mt to go into a local branch with two pieces of ID but the above XXXX took all my personal belonging as we as my wallet so I'm in the proce4ss of getting them replaced but have future appointments with the DMV and social security office.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (MO)

accessed all 3 reports from EXPERIAN, XXXX AND XXXX -- XXXX AND XXXX ARE USIND DIFFERENT VARIATIONS OF MY NAME -USE ONLY THIS VARIATION XXXX XXXX XXXX XXXX REMOVE MY DATE OF BIRTH AND SOCIAL SECURITY NUMBER. REMOVE DELET CHARGES OFFS FROM ALL 3 REPORTS, DELETE STUDENT LOANS FROM ALL 3 REPORTS. I DID NOT GIVE ANY WRIITEN/NONVERBAL CONSENT FOR XXXX, XXXX, EXPERIAN, TO REPORT ANY HARMFUL INFORMATION THAT MAY REFLECT NEGATIVLEY PER 15 USC 6802 THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHOIZATION I THE CONSUMER MAY HAVE GIVEN WRITTEN/UNWRITTEN VERBAL/NONVERBAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO REPORT im now opting out from you reporting on my consumer credit report IMMEDIATLELY. Every company me a privacy notice before they furnish ANY information to MY consumer report
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/24 at approx XXXX pm EST a wire transfer was initiated from our real estate attorneys XXXX bank located in XXXX Ky coming from the attorneys online acct with XXXX XXXX  to our bank Wells Fargo with OUR NAME in the memo. The account number was XXXX digit off. However, this was immediately noticed and XXXX XXXX  started a wire tracing to reverse the payment and complete the transfer into the correct bank acct number. Truist wire department has noted that Wells Fargo has accepted the money however 5 days later the money is not deposited into our account XXXX has the money been returned to XXXX XXXX  so that they can re-initiate the new transfer. Wells Fargo has been unwilling to work with either XXXX XXXX  on their trace request. On XX/XX/24 we called and spoke with Customer Escalation XXXX, " XXXX '' whom advised us that the acct that XXXX sent to was an INVALID account and because of that the wire would be rejected and sent back to XXXX. It is XX/XX/24 and XXXX has not received the money back making it impossible to resend to us allowing to finish our real estate transaction. Which means XXXX families are being put out and XXXX family ( my own ) of XXXX members, XXXX of which are CHILDREN are now going to be homeless!!!! This is unacceptable and I do intend on securing an attorney to seek assistance should the matter go on past XXXX  XX/XX/24.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

I had previously filed a complaint for this same debt as identity theft with a collection company named XXXX XXXX XXXX. It appears they had already reassigned this debt to Credence for a debt related to XXXX XXXX. I have never had XXXX XXXX. There was a fraudulent address tied to my credit reports of XXXX XXXX XXXX, XXXX, NJ XXXX that I have already had resolved with the credit bureaus. I also had 2 other attempts at opening credit in my name also. The amount in question is the same as was being claimed by XXXX XXXX XXXX. I have received communications from Credence after submitting a dispute with XXXX due to the company putting a collection on my report. I would hope that this company is not just going to sell it to another where I have to go through this whole process again and again.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

After visiting the branch in XXXX since the securities department randomly after having a conversation with a representative of the call center. Words were exchanged and the customer service representative advised me because of my lifestyle choices ( being XXXX ) that I would have to go into the branch and sign a letter with you explaining what I believed happened. The bank sent out the document 2 years weeks ago and the branch even spoke to the security department. 

Regarding Fraud the only account that has fraud transactions is the XXXX card. The bank blocked the account saying that they are clearly a XXXX Credit Union who most definitely take advantage by retaliation against their members and causing business transactions to be at a standstill with no reason whatsoever why! 

Not to mention NFCU owes me XXXX cashiers check from the secured account ( got lost in the mail filled out documents three weeks ago and no letter or calls from them yet to be made.
Consumer complaint received 2016-09-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (DE)

Upon checking my Credit Report I noticed I had debt from " bby/cbna '' also known as Best buy. I opened my card in 2014 and just finished paying my card off last month and when I called best buy they said they have no charges from now or the past for my Account.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2024 I made a {$6000.00} cash deposit in my business account ending with XXXX at the ATM located at XXXX XXXX XXXX, XXXX, MI XXXX bank of America. The ATM jammed and took my cash which was all in XXXX dollar bills. I contacted the number on the ATM machine and provided the ATM number to the bank and made a claim for my missing cash as it was never deposited into my business account. They briefly looked over this claim and resolved it by depositing {$1300.00} into My business account. I called them and was advised by a claims supervisor that I need to Write a letter regarding refusing this amount as a final resolution, which I did that and faxed them the letter. They have not resolved this claim and have not deposited my money into my business account.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (TX)

15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXX XXXX XXXX XXXX, VW CREDIT, AND XXXX XXXX and they are not reporting it to the credit agencies XXXX, XXXX, and XXXX and they are still reporting information that they don't have my consent to. I have also sent letters to XXXX, XXXX, and XXXX letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (GA)

i have reached out to XXXX XXXX XXXX times prior to the complaint from my work email and personal email XXXX regarding the cfbp issue and error on my credit report she has yet to reach back out. I Have called multiple times to speak with her and they said they were unable to locate XXXX XXXX for some reason not sure please fix this error
Consumer complaint received 2019-04-25
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: EQUIFAX, INC. (IN)

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX   XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX  was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2024-07-21
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AR)

XXXX sent me a refund to my credit karma account on XX/XX/XXXX and I still to this day have yet to receive this refund!!! XXXX highly irritated from waiting 2 months and calling both credit karma and XXXX numerous times since XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My personal information was compromised and used by someone else to open accounts without my knowledge. I have previously informed the bureaus and the CFPB of this matter. However, it seems Experian and XXXX are still reporting the following fraudulent items on my credit reports : EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX   XXXX Acct # XXXX XXXX  FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX FRAUDULENT INQUIRIES AN XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These do not belong to me. They are fraudulent accounts and should be removed from my credit reports.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

The U.S. Dept of Education is sharing my private information. I have requested they stop sharing and have also attempted to opt out to no avail. Per the FERPA, 34 CFR Part 99 ( The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ) Nor Does the furnisher of information meet any of the without written consent requirements needed to share as stated in 34 CFR 99.31. Please see 20USC1232 Gas well Nor have i been notified per 34 CFR Part 99.7a1 I have sent multiple letters and it is still on my credit report.