davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (MD)

As per the Fair Collection Act ( FCRA ), specifically 15 USC 1681 section 1681 ( a ) ( 1 ), the stability of the banking system relies on fair and accurate credit reports. This emphasizes the importance for customer reporting agencies, such as Experian, to carry out their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information is not shared, as supported by 15 USC 6801, which states that each financial institution must respect customer privacy and protect the security of nonpublic personal information. I did not provide consent for the credit agencies to furnish my personal information. Caused mental anguish and harm for me and my family when I was denied/ unable to use the extension of credit do to these late payments when Congress states in U.S Code 1666 ( b ) that a creditor can not categorize an account with open-end credit plan as late payments for any purpose. 
12 CFR 1022.3 defines fraud as committing or attempting to use the identifying information of another person without authority, which is considered identity theft. The Family Education Rights and Privacy Act of 1974 prohibits the disclosure of records contained in a system of records without the written request or prior consent of the individual to whom the records pertain.

Per 15 USC 1681 section 604 ( a ) section 2, a consumer reporting agency can furnish a consumer report only in two circumstances : with written instructions from the consumer or in response to an order from a court with jurisdiction. I am unaware of any consent given to report transaction history involving other parties on the consumer report. According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic information to a nonaffiliated third party without explaining to the consumer how they can exercise the nondisclosure option. In my case, the furnisher of information to credit agencies did not inform me of my rights to exercise this option.

Furthermore, 15 USC 1681C ( a ) section 5 prohibits consumer reporting agencies from including certain adverse information in a consumer report, especially without authorization. The reporting of adverse items without my permission, as in the case of this account, violates the law. According to 15 U.S. Code 1691-2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate information to consumer reporting agencies, Experian are not maintaining reasonable procedures as required by 15 U.S. Code 1681e. Finally, 12 CFR 1016.7 allows consumers to exercise the right to opt out of any reporting services at any time. I am hereby choosing to opt out of your reporting services.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

The email address of the company ( XXXX ) that I was interacting with to send a XXXX land investment was spoofed I received fraudulent wiring instructions to a XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX email. I acted in good faith, sending 2 wires each of XXXX on XX/XX/XXXX and XXXX thinking the info was legit. 

ACH/Wire Instructions of Fraudulent/Incorrect Stable Account that the wires were sent to : Business Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Bank Details XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX # XXXX Account # XXXX On XX/XX/XXXX, I was informed by XXXX XXXX that the above bank details is not XXXXXXXX XXXX XXXX The reason is XXXX has informed me that XXXX XXXX is not their account and that their emails were likely spoofed. I also attached report from an independent 3rd party that XXXX 's website/email settings are not protected against email spoofing.To that end, I initiated a wire recall claim with Chase Bank. 

I filed a Wire Recall and Fraud claims with my bank Chase on XX/XX/XXXX. These are the claim numbers XXXX and XXXX. This is the case number with the XXXX Police Department XXXX XXXX : XXXX. I also filed an internet crimes report with FBI ( Report Attached ). 

Chase denied my claim because they determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ).
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has reversed a provisional credit that I am due from the company XXXX. Through XXXX, I hired a " pro '' to perform work at my home. The " pro '' never showed and despite XXXX 's own information on their website stating that they don't charge until the work is complete, that is a lie. They chat very nicely and say they want to help, but don't fix the problem.
Consumer complaint received 2024-06-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

I redeemed an Amex gift card from an employer in XXXX of XXXX. That XXXX I was able to make a purchase with it, but later returned that item. Since XX/XX/XXXX, I was unable to use the card. I tried online, in person, using varied amounts, nothing worked. I forgot about it and stopped trying to use it until XX/XX/XXXX at a local spa and yet again, it wouldn't let me charge anything to it. After that incident, on XX/XX/XXXX, I called American Express ( XXXX ) to request a replacement card. I received the new card about a week later and called the same number as above to activate it. Upon activation, it told me my balance was $ XXXX which was not correct, since it was originally a {$500.00} gift card. I checked the online to see if there were any fraudulent purchases made, which there were ; one for {$110.00} and one for {$58.00}, from 'GoFundMe '. On XX/XX/XXXX, I called American Express to report the charges and they filed a dispute. I later received an email telling me the dispute was declined, with no further information as to why, and that they would send me another new card with the remaining balance. When I asked what they based their findings on and for more information about the charges, they simply told me that they conducted a thorough investigation and that the card information was given by me.
Consumer complaint received 2024-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC (DE)

had solar panels installed on my home in XX/XX/XXXX, by XXXX XXXX. In XX/XX/XXXX we found out they had filed for bankruptcy. The finance company is goodleap. We are currently in limbo, along with many others, as we are paying for a service we are not receiving with no communication & no end in sight. We had a panel go bad already, which a replacement was provided by the manufacturer XXXX XXXX, but again, no one to service. We also can not even sell our home due to the contract situation. 
This has been a pattern with goodleap, apparently predatory lending practices with multiple lawsuits in different states.. 
Please feel free to contact me at your earliest convenance. 
XXXX XXXX XXXX.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CO)

Hello CFPB, I am reaching out back regarding the case ( XXXX ) I submitted about Robinhood Markets refusing to release my funds even after forcibly selling my shares without my authorization up until this day. 
Robinhood Markets claims there were transfers into my account from both the Ohio and New York Department of Labor ; hence, they won't release my funds. I will emphasize again that I had money already invested in my Robinhood trading account, which my bank statements have proven, and the fact that they are coming back saying some funds were in my account doesn't prove the money in the account doesn't belong to me. It's my account, and I'm fully responsible for what I do with and in my account, which is the sole purpose of trading stocks until Robinhood took that away from me. Also, the fact that it's been years since this account was closed and no one has come out to claim any missing funds should tell you the funds in my accounts are clearly mine. Robinhood is using this tactic as a means to hold onto my hard-earned money, which I toiled to get by serving this country in combat tours protecting this country. Why is my account closed and my funds still held up? This is clearly bullying and cheating. I need my money and I will not stop making noise until I get my money back. Thank you.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (UT)

I just need information regarding the over draft fees and such because there was {$630.00} fees that were assessed with Wells Fargo and want to know about this information because Im trying to input the information so that I can get my funds back by chance
Consumer complaint received 2024-06-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I used XXXX to send money overseas to an individual who claimed they were so-and-so. Turns out they were not real, I had access to this individuals email address and found a picture of their Passport XXXX Street Address and a picture of the person WITH the passpoirt in hand. I could not use XXXX to Get my money back, I went to my bank and after trying to file XXXX claims, they resolved the XXXX claim without paying it. So I am out {$19000.00} and theirs nothing I can do about it, stay away from BOA.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please update.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I have been applying for debt consolidation loan. I did an application via text and phone calls and was Approved, I signed a loan agreement and was disbursed my funds. I the was asked by said fund to transfer the funds to XXXX XXXX and send back. That raised a red flag so I called bank to close my accounts and flag account the stop any transactions. That was on XXXX/2024 around XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CBC Companies, Inc. (MN)

I want XXXX, XXXX and Innovis to send me pre-approved offers for credit cards and loans via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (SC)

I am writing to file a formal complaint regarding a collection accountS labeled WF CRD SVC XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX  To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

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 Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Florida 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 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (SC)

To whom it my concern : I got money taken from my account on XX/XX/year> which was XXXX from an ATM machine in XXXX and I had my card with me in South Carolina. I called Chase bank and told them my situation but they denied me so they wont give me back my money! I am XXXX XXXX XXXX and I live a fixed income and I really do need my money. I never share any information about myself at all and I dont know how they got my PIN number to take money out of the ATM! 

Sincerely
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a business account with truist bank, and made a deposit into my business account for {$500000.00}. After making deposit truist bank closed my account and informed me they were not going to release my funds.my check was written out to ANF XXXX  XXXX, the same name as my company and business account, my check was issued from the irs, and I contacted irs to verify that my check was valid, and irs told me it was, and it was also paid out to my account but truist told me that my deposit was suspicious and they were holding my funds.I believe truist is being biased because my deposit was a large amount, truist decided to end there relationship with my but yet they wont release my funds
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I made a purchase with my XXXX Mastercard for {$2500.00} and another on XX/XX/XXXX for {$3200.00}. Both charges were shown as pending transactions on the day of purchase. On XX/XX/XXXX I cancelled the {$2500.00} order and the vendor issued a refund. 

As of XX/XX/XXXX, Synchrony Bank is showing all transactions posted and all still pending. They did not remove the pending authorizations even though the transactions fully processed and posted, including the refund of the original {$2500.00} charge that was also posted. 

As a result, Synchrony is showing available credit of - {$3100.00} due to hitting me with duplicate posted and pending transactions. Every other bank removes a pending authorization the moment a transaction is processed and posted. The account manager I spoke with on the phone, XXXX, said that this is an issue with the merchant and that they double charged me on the two days, and only one of each transaction posted with the remaining double still pending. However, another representative I subsequently spoke with said there aren't any double charges on the merchant 's end and that their authorization remains valid for a specific amount of time even though the transaction processed and posted. 

Synchrony is telling me to wait 5-6 days for the pending transactions to fall off my account even though the original authorizations already posted, making this MY PROBLEM. They are trying to blame the vendor, who has verified that they DID NOT double charge me. I am not being given a clear answer as to why I have to wait for pending transactions to fall off even when they were already processed and posted. All they can do is blame the vendor who didn't do anything. I was also told its something with the " online ordering process '', which makes no sense. I have never experienced this ordering from this specific vendor with my other credit cards or any other vendors/credit cards, only the Synchrony Bank XXXX Mastercard & Synchrony bank policies that harm the customer seem to be the issue.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, has violated my rights 15 USC 1881 section 602 A. States I have the right to privacy.

15 USC 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 16818-2 ( AX1 ) A person shall not fumish 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 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

I am writing to formally dispute the accuracy of the information you have provided to consumer reporting agencies regarding an alleged debt. I believe that your reporting of this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681-s2 ( 7 ) ( A ), as well as the Truth in Lending Act ( TILA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ). 

I dispute the following information : Collection account amount of {$730.00} updated as of XX/XX/2024 I request that you immediately investigate this dispute and correct any inaccurate information reported to the credit bureaus. Pursuant to the FCRA, I am entitled to a written notice of your investigation and the results. 
I believe that the information you have provided is inaccurate because I spoke on the phone with a rep and inquired the proof of information that the debt is mine and to send a copy of the original contract validating if I contracted with you and haven't received anything I hereby revoke all authorization for Radius Global Solutions to communicate with me via email, text message, or telephone. All future communication must be conducted in writing via certified mail I am requesting a copy of the purchase agreement between Radius Global Solutions and the original creditor. Additionally, I am requesting proof that Radius Global Solutions is licensed and bonded to conduct debt collection activities. 
I look forward to your prompt response to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (MA)

Hello, Upon logging into EdFinancial in anticipation of starting work following my XX/XX/XXXX graduation from XXXX XXXX XXXX XXXX, I learned that a Grad Plus Loan I had taken out was subject to XXXX missed payments, and that I now owed a rather large sum of money as a result. Apparently, EdFinancial decided that payment was due starting in XX/XX/XXXX, despite the fact that I was enrolled full-time in XXXX XXXX XXXX XXXX until XX/XX/XXXX, when I graduated. 

I have been prevented from signing up for an income-driven repayment plan whilst this balance is outstanding. Moreover, EdFinancial erroneously believes that my remaining Grad Plus loans must be subject to payment starting XX/XX/XXXX. I start working XX/XX/XXXX. 

The federal student aid website clearly states : " Youll receive an automatic deferment while youre enrolled in school at least half time, and for an additional six months after you graduate, leave school, or drop below half-time enrollment. You dont have to start making payments until after this deferment period ends. '' Notwithstanding this, EdFinancial apparently began demanding payment, unbeknownst to me, whilst I was still enrolled in school, and now seeks to recover 16 months ' worth of " missed '' payments that it was never entitled to seek.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Larry H. Miller Group of Companies (NJ)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.