davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (OH)

I created a sofi bank account in mid XXXX and received my first direct deposit on XX/XX/XXXX for {$4800.00}. Everything seemed to go through OK but my account was frozen the next day. I called daily and after a few days the restrictions were lifted on XX/XX/XXXX or XXXX. After the restrictions were lifted I paid a couple of bills and thought everything was OK. Within 3 days of lifting the restrictions, my account was restricted again. After 2 weeks of multiple daily phone calls, I was told that I violated the terms of service and that my account would be closed and that the money would be sent back to the company who deposited it. Annoying but fine, I can just have the company re-issue the payment to another bank I thought. It is now XX/XX/XXXX and sofi still hasn't refunded the money. Over 3 months later and I still have over XXXX XXXX XXXX  locked up in Sofi. This is theft at this point. I have called and emailed over 50 times in the past months and still nobody can do anything.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NC)

Please see the attached letter that has been sent to you countless of times with no response or communication. I have filed police reports and a federal trade commission complaint form regarding account number XXXX. 

I am a victim of identity theft as well as a XXXX XXXX XXXX. By law, you are required to remove the mentioned account immediately from my credit report. I will be resorting to legal counsel if this is not resolved immediately.
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (TX)

Experian has not responded satisfactorily to any of my request. Experian has violated my right to fair and accurate reporting pursuant to 15 USC 1681. Experian is in violation of 15 USC 1681i ( 6 ) ( b ) ( iii ), information requested was not provided in regard to the method used to verify the information being reported. Experian is in violation of 15 USC 1681a ( 3 ) ( e ) investigation relied solely on the furnisher and no personal interviews with anyone who may have first-hand knowledge of the transactions. Experian is in violation of 15 USC 168e ( b ) and did not use reasonable procedures to assure maximum accuracy of the information. Experian has not provided information obtained from furnisher verifiable proof of permission either verbal or written to report items on my consumer report pursuant to 15 USC 6802 and has violated my right to privacy. Experian has caused me financial and emotional hardships due to denial of credit that would be used for my personal, family and household purposes. Experian continues to ignore my request to correct these errors. Experian continues to provide inconsistent information on my report. Experian is in breach of a fiduciary responsibility to verify any and all information being reported and continues to slander my name which is published to the public
Consumer complaint received 2024-01-21
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I suffered great loss when Bank of America wrongfully froze my XXXX account and reversed permanent credits. Several of my benefit payments were absorbed into the negative balance BofA created. I was victimized by Bank of America and have been deprived of my funds for the last 3 years they notified me to submit an Independent Review Process to XXXX consulting XXXX to seek compensation for losses I suffered. I submitted the XXXX with all supporting documentation on XX/XX/XXXX and called for status several times and again can get no clear answer from anybody regarding status of my request or even a time frame for review of my request. Saying there is no time frame is unacceptable! How long is BofA going to deprive me of my funds???! Yes they are supposedly following what they were ordered to do by CFPB and currency controller office in XX/XX/XXXX XXXX but they still havent made me whole for any loss I experienced and as a consumer I shouldnt still be at a loss Years later! I want to be compensated for my funds I lost in my account my weekly payments that were deposited into the account when they illegally froze my account and all the other tremendous life altering losses I suffered due to their abusive and negligent business/banking practices. This 3rd party company handling the IRP also needs to understand what I and so many others have suffered and step up and do the reviews not just brush us off
Consumer complaint received 2024-02-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Is falsely claiming I owe medical debt. I have called and requested they contact XXXX to verify the false claim and they did nothing. I also mailed a copy of the paid off receipt but they did not do anything to update their system.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I've been trying to contact XXXX about a card I have with them. When I log onto the app, it shows that I've been making payments and that the account is still active. However, on my credit report, it appears as a closed account with an outstanding balance. This has negatively impacted my XXXX XXXX.
Consumer complaint received 2023-11-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (OH)

On XX/XX/XXXX I was made aware of a change to my credit report. A company by the name of MRS DPO, LLC had presented an account for collection bearing my name. That day at approx. XXXX XXXX EST I reached out to MRS. DPO where I spoke with a representative by the name of XXXX. I explained to XXXX I wasn't aware of any outstanding debt, and was not made aware by the alleged creditor and/or MRS DPO prior to any reporting. She explained they received the account on XX/XX/XXXX ( the alleged account was closed as of XX/XX/XXXX ), the account was sold and serviced by another collection agency around XX/XX/XXXX. Again, I explained I had no knowledge of the debt and per 15 USC 1692g I should've been provided with the opportunity to validate the debt. XXXX advised they sent me an email on XX/XX/XXXX, which perhaps may have gone to my junk mail. Outside of that being a ridiculous mode of contact, seeing as they're a third party debt collector, with no first-hand knowledge of any alleged accountit still doesn't absolve MRS DPO, per the FDCPA, to provide me with written statement affording me the opportunity to validate the alleged debt. After a bit of digging I was able to locate an email ( the only email ) I have from MRS DPO, which contains absolutely no information and any prudent, reasonable person would deem the email as a scam. This email contains no information that would indicate that MRS DPO is a legitimate company. The notice contains only my name an some verbiage about how I owe an alleged debt. The email doesn't have an original creditor, an amount owed, an account number, etc. I find in grossly irresponsible to merely report an account to the credit bureaus with no first-hand knowledge of any consumer interaction between myself and the alleged creditor. I reached out to their compliance department via email on XX/XX/XXXX with no response. I followed up today, via phone. I spoke with a manager, XXXX, she pretended as she was unable to hear and proceeded to disconnect the call. A quick XXXX review will provide some insight into how this company operates. I want this account removed from credit report ( s ) immediately. In addition, I will pursue remedy to the limits provided to me pursuant to the FDCPA.
Consumer complaint received 2024-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (MN)

We filed a XXXX XXXX  Bankruptcy in XXXXboth the first and second mortgages included and discharged, leaving us with debt against liens. We reaffirmed the debt with our first mortgage. Based on the information provided by our attorney, we decided to not reaffirm the second mortgage with Specialized Loan Servicing. Based on the information we received, we believed that SLS would not foreclose. Rather they would write off the debt or sell to a company that buys past-due debt. 
On Monday, XXXX XXXX XXXX we learned that a sheriffs sale had been scheduled. 
A neighbor who is a realtor saw our address and realized we were just 2 doors down. She provided the information she had from the XXXXXXXX XXXX. 

I called SLS and learned that a certified letter was mailed in XX/XX/XXXX and before that one was mailed in XX/XX/XXXX. The one in XXXX XXXX  was the notification and we should have known at that time SLS would be moving forward with the foreclosure process. 

The loan is due for XXXX and a payment was made on XX/XX/XXXX. Per SLS, they never sent any notification before the letter in XXXX. And then the one from 6 months ago. Without notification, they moved forward with the foreclosure process. The foreclosure was filed with XXXX XXXX XXXX, MN, and the sale date was scheduled for XXXX 

Due to the lack of notification that SLS was moving forward with the foreclosure, we very limited in ways to resolve the issue. We are also working on a very skinny timeline and may not have solutions that can be provided to SLS prior to the sale.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (VA)

There are fraudulent accounts opened by someone else being reported on my credit reports by XXXX  XXXX via the following agencies : Early Warning Systems ( EWS ),  XXXX, XXXX, XXXX and XXXX, amongst others known and/or unknown at this time. The following accounts erroneously being reported by XXXX XXXX are not mine and are either the result of an error or identity theft being perpetuated by an unknown individual who has had physical possession of my identity documents since XX/XX/XXXX : XXXX XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX Credit Card Acct. # : XXXX Additionally, these fraudulent accounts are being reported as well, which were not opened by me : XXXX XXXX XXXX Acct. # : XXXX XXXX XXXX XXXX Acct. # : XXXX XXXXXXXX XXXX Acct. # : XXXXXXXX XXXX XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX Additionally, the following seven inquiries are fraudulent and were not initiated by any action on my part : XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Only XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Alleged Account Account Number : XXXX Dear National Credit Systems, I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim without prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 

I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 

Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (ND)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (TX)

These hard inquiries are fraudulent and doesn't belong to me and need to be removed .also, the nest as well .Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. United States. 

Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00}
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

I was discriminated against because of my credit report, incorrect and misleading reporting 15 USC 6802,15 USC 6803, 15 USC 6804 and 15 USC 6805 sharing, unverified information, causing me denial of credit. Title 15 subsection 1611, the not faults and denial of my own personal credit.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

I sold shares from the XXXX in XXXX. Wise is the financial institution the funds were supposed to transfer into. My broker didnt appropriately update my new bank details with the sale ( I have a seperate ongoing thread on this ) so the funds got transferred into my ( recently made XXXX XXXX ) old bank account with Wise. After weeks of back and forth with both Wise and my broker, a Wise representative mentioned that the old account details would still work until XX/XX/XXXX so the funds are likely in the old account ( despite many reps telling me they have transferred the funds back to my broker, and my broker insists they havent received them ). 

Wise are now saying they are looking into all transactions in XXXX and will have answers in a while ( not good enough! ). Wise have been inconsistent with the information they have given, havent made an effort to find the missing funds, and wont respond to emails or calls with specific information, only generic responses which dont work in this case. When Ive asked to talk to more senior staff, Ive been told the organisation is flat and they have no more information for me.

I need Wise to properly look into my funds being in the old bank account details and stop ignoring my concerns that they have my money ( which is over {$20000.00} USD ).
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (MD)

I am also requesting the removal of the XXXX XXXX Collection account for XXXX XXXX for Client account number XXXX at service address XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX with a service date of XX/XX/XXXX. The item in question is equipment not returned and an end of statement report with a disconnection of service. 
I am unaware of this account and would like XXXX XXXX to provide proof of receipt of the equipment in question as well as me opening this account. This account also randomly just made its way on to my credit report some 4 years after the date of the end of this account and there is no history of any late payments, late payment notices, receipt of equipment sent to me, and the time of the reporting of delinquency is inconsistent and is erroneous in nature. 

The Request focuses primarily on Section 809 of the FDCPA, 15 U.S.C. 1692g. Section 809 ( a ) provides that, within five days after its initial communication with a consumer about a debt, a debt collector must send the consumer a written notice. 
There was no communication with me at any point of time with the creation of this cox account, the equipment being rented by me, or the delinquency prompting me to handle this account before it entered collections. The dates for the service address do not match the information on file that is being reported as well. My permanent resident at the time of the creation of this account is XXXX XXXX XXXX XXXX XXXX, MD XXXX not XXXX XXXX XXXX XXXX, CA XXXX. The collection is inaccurate.