davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SoLo Funds Inc. (WI)

SoLo Funds Inc. uses a digital wallet to allow deposits and withdraws onto customer accounts for the purposes of funding and accepting personal loans in a peer to peer loaning system. I have been using Solo Funds to lend to those in need on the platform. 

As of XX/XX/year>, I have {$430.00} USD that has settled in this mobile wallet. My bank and debit card have been verified with SoLo 's verification system, and although I am able to deposit funds in order to fund other user 's personal loans, I am unable to withdraw any of the funds that exist in this wallet. 

I have made multiple requests for this issue to be rectified. SoLo Funds has failed to respond in a timely manner or provide any explanation as to when these funds may be withdrawn.

Additionally, many of the personal loans that I have issued to various users have ended up being paid late due only in part to system 'glitches ' that SoLo refuses to elaborate on or rectify, which has caused monetary losses for me, and in return SoLo has dispersed 'SoLo credits ' to me for these late payments. These credits can not be withdrawn from the account, which means the credit balance has to be re-lent to other users. This is separate from the actual settled cash ( {$430.00} ) that exists in my wallet that can not be withdrawn. As of XX/XX/year>, I have {$140.00} in SoLo credits, all stemming from a single loan that was paid late due to SoLo 's banking issues. If SoLo did not have these issues, I would actually have settled cash instead of these 'credits ', yet SoLo refuses to acknowledge this. 

SoLo Funds is currently demonstrating what I believe to be fraud and possible insolvency due to the use of their banking partner, Synapse, which recently collapsed. I believe that money is being frozen and these personal loans are being purposefully defaulted on in order to prevent users such as myself from withdrawing money. Please investigate this issue to the fullest extent of the law.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was called on my phone and told it was Wells Fargo there had been suspicious activity on my card and they wanted to see if it was me.I was told to log into my account and there would be two fraudulent charges that they were checking on.When I logged into my account I saw two attempted charges o my debit card that they asked if I had made I said no so they said they were going to shut down account and in order for me to have access to my funds I had to transfer money to XXXX XXXX  to have access to my money while account was frozen for investigation.I asked how do I know this is Wells Fargo and they said check the phone number on the back of your debit card that is the number we are calling from.I checked the number and it was the same number on the back of the card the fact then new of transactions on my account plus that convinced me it was Wells Fargo .So I followed there instructions to transfer money to XXXX XXXX so I would have access to my money while account was shut down.something didnt feel right so I got home phone and called on my home phone the same number just to be sure.XXXX XXXX answered and said to hang up because it was a scam.I hung up with scammer and was very relieved that I had sensed the scam and reported it.The Wells Fargo agent assured debit card was closed and not to worry.The transaction was still pending at they time so I assumed Wells Fargo was telling the truth and transaction would be stopped. Unfortunately Wells Fargo did not stop the pending transaction and it went through for XXXX XXXX.So I called Wells Fargo back to see why money had came out of my account when I had reported it was a fraudulent transfer before transfer was complete they denied my claim and wont give me my XXXX XXXX  back I am confused and deviated they this is allowed for them to do please help me get my money back!
Consumer complaint received 2024-06-05
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (FL)

I was XXXX  and during that time my credit card was used to purchase items. before my XXXX  my card did not have a balance and I did not owe any fees. Once I got out XXXX XXXXXXXX  i received late payment bills for charges on my card. I reported the charges, and the company still has not corrected the late payment report on my credit report nor did they credit me back for the fraudulent charges that I paid in order to stop the store from reporting late payments. I did not give any one permission to use my credit card for anything and my credit card was home in my wallet while I was XXXX.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

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 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

I am writing to file a formal complaint regarding a collection accountS labeled AFFIRM INC 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 anxiety. 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 XXXX 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 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am writing to file a formal complaint regarding a collection accountS labeled USAA SVG BK XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my XXXX XXXX and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. 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 XXXX XXXX. 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRUIST FINANCIAL CORPORATION (NY)

Signed loan document in amount oXXXX XXXX XXXXXXXX 11.9 % interest on XX/XX/year>. Loan details are 120 payments of {$250.00} for 10 years. Made a total of 3 payments : {$250.00} on XX/XX/year>, {$570.00} on XX/XX/year>, {$16000.00} on XX/XX/year>. Current remaining balance is {$3500.00} but Service Finance Company LLC ( svcfin ) reported on my credit report that I owe {$20000.00} on XX/XX/year>. The last updated report was XX/XX/year> stated I owe {$20000.00}, which negatively reflects as I am {$32.00} over my limit with NO payments. I called to have the credit report updated but the representative said it can only be changed once the loan is completely paid off. This has brought my score down XXXX points.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Unknown - XXXX Unknown - XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2024 LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 Dear LexisNexis, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
" XXXX XXXX XXXX '' with Reference XXXX : XXXX. 
Account is reporting when the US XXXX court does not report to anyone. This is a Violation of my privacy. Please delete. 
Please delete this account immediately for failing to do your due diligence making sure everything is XXXX XXXX accurate on my report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-05
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: GOLDMAN SACHS BANK USA (MD)

A payment was made XXXX XXXX, 2024 for {$68.00} with a bank account ending in : XXXX through there payment program. Although this payment was made they still closed and XXXX XXXX my account indicating more than XXXX days late which is incorrect.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi I opened a Capital one 360 Savings account on XXXX XX/XX/2022. I invested {$100000.00} so I would qualify under the XXXX promotion, which I received notice of through my credit card account. 

The promotion clearly stated that you had to invest the money within 15 days of opening. I opened an account and the account was funded the following day. It stated you had to leave it for 90 days and then up to 60 days after the 90 days, you would receive the bonus. There was no mention of having to wait 15 days before the 90 days to start. If this was the case- unless you are deliberately trying to mislead and scam people why wasnt this clearly stated in the same line as you have to leave the money deposited for 90 days. Additionally I did review the alleged fine print, there was no mention of this. 

I have attached a copy of the XXXX promotion I received. 

On XX/XX/XXXX after approx. 94 days I transferred the money into a Capital one CD ( and even added to it ), so obviously I didnt need the money. If I had known I had to wait approx. 8 more days to receive, dont you think I would have? 

On XX/XX/XXXX I called Capital One, as more than the required time had passed and I had not received the {$1000.00}. I was informed I didnt qualify as I hadnt waited long enough. 

Eventually, after being told this repeatedly by a Customer Service Rep who didnt seem to understand what I was saying, I was put through to a specialist who was sympathetic to my request and appeared optimistic, but said she did not have the authority to authorize the {$1000.00} and that she would escalate it and I would get a response within 2 weeks Case Ref : Ref : XXXX On XX/XX/XXXX I received an email stating that the time required was actually 15+90+60 days and my request was denied. This was definitely not clear at all. I notice Capital One has changed/clarified the requirements in place for their latest promotions, but this was not the case in the XXXX promotion. 

I dont feel I should be penalized for Capital One trying to mislead/scam me. Of course I cant even withdraw my money in protest at the way I have been treated, as this would mean giving Capital one several thousand dollars in early withdrawal penalties. There is little point in even giving them a bad review, as apparently I have already been beaten to it. Capital One had 1.5 XXXX rating and a 1.0 XXXX XXXX rating, so I guess they dont care. 

I am retired so this a way of generating income. 

This transaction was made in good faith and I believe they deliberately and knowingly gave misleading and incorrect information, especially as I did not withdraw this money, I in fact, added to it and transferred it to a CD account with Capitol One. 

Why would I have moved this money into a CD on XX/XX/XXXX, if I had known I had to wait until XX/XX/XXXX ( the qualifying date according to Capital One ) to receive the {$1000.00} bonus.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (FL)

I sent a letter requesting the following information 1. Original account number 2. Original name of creditor 3. Date account was opened 4. Date of last payment 5. Amount of the original debt 6. Itemized statement showing full history of account 7. Proof of chain of title that you own the debt 8. Copy of contract with my signature guaranteeing I will pay this creditor I got no response from collection agency.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (CA)

My Comerica checking account had no monthly account fee for the past few years, but now there is a monthly account fee of {$13.00} since XX/XX/XXXX. This sudden fee has caused my checking account to overdraft and now I have been charged multiple overdraft fees of {$6.00} each XXXX times since XX/XX/XXXX. I called the bank and was told to call my local branch. I have called the XXXX XXXX Comerica XXXX XXXX XXXX to have the account fee taken off my account, and the overdraft fees removed. They ignored my requests and each time I call they say they are working on it, but it has been a few weeks and the problem is still not fixed and my account is still negative. I should not be being charged a monthly account fee because I am still a college student and the account agreement says that the monthly fee is waived for current college students.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On Friday, XX/XX/XXXX I was informed by Huntington that they were closing my account, as is their ability XXXX their terms and conditions. I was informed that my account was closed on thr XXXX of XXXX, and that they had sent a letter in XXXX. I never received notification via a letter or otherwise, so obviously this has me in a tough spot. I was informed that there would be no more transactions going through, as my account was now closed. When I went to the bank in an attempt to collect my balance, I was told there were 2 transactions that needed to process ( even though none were supposed to, because again, closed account ) and that they are unable to give me my money, even less the balance of those transactions that again, will be returned and will not process ) because the transactions are pending. It has been 6 days since I was informed my account is being closed, and the bank will not relinquish my money. Looking through my account in the past I can also see multiple instances of overdraft charges applied to my account despite having received notification of the account receiving their customary 24 hour grace, but fees being charged before the expiration of the 24 hour time frame. My balance is positive, and they owe me my momey.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear LexisNexis, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

" XXXX  XXXX Bankruptcy '' with Reference # : XXXX. 
XXXX. Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 
XXXX. Please delete this account immediately for failing to do your due diligence in making sure everything is 100 % accurate on my report. Thus, it is unverifiable and must be deleted immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (MI)

Hello, We are in the process of a loan XXXX and partial claim with Rushmore services they have quoted us one term monthly price but sent out a letter on XX/XX/XXXX with another monthly price. I called and spoke with XXXX on Monday and she states to go with with price on the modi-cations documents, since working with this Leander I would prefer something in writing pertaining to this issue and before signing, I have sent documents to our Attroney for review. But this is very confusing as a home owner. I would like this investigated for myself and future clients. I do understand the interest rate has increase that is bad enough but to different quotes doesn't seem fair to me.