davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (GA)

From XX/XX/XXXX I requested the original written agreement with my signature from the collection agency and its yet to be provided. 
Since then Ive reached out several times and its still not provided. My time reaching out was XX/XX/XXXX and they sent me photocopies of old invoices. I want a written agreement with my signature that I have an agreement with them To collect what they said I owe. I also want to know how much did they pay the original owner of the debt thats charged off.
Consumer complaint received 2024-05-16
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 (TX)

XXXX at XXXX I was cld by phone by XXXX XXXX from XXXX XXXX for a loan and it was apprvd, he sent a link to my phone to registration and the website looked just like the real XXXX, there a field for bank info and I entered my login and pass to WF since he said he was going to make XXXX deposits in my account to verify and I wld get a text msg with a security code, I gave him both codes then I read the last sts mobile deposit made, I immediately logged in to the WF portal I noticed the monies were moved from the accounts and I hung up and urgently cld WF fraud and explained, we chngd user and pass and got new ckng account I was told not to mess w the deposits and they would cancel out after the investigacin. claim XXXX REF # XXXX the account had {$1700.00} but rep said deposit were XXXX the ckng had the rt bal of {$3400.00}. at XXXX I ckd my account it was XXXX now XXXX duplicate charges and deposit all accounts were now negative at XXXX I spk to XXXX rep who by XXXX still didnt have a clear answer the claim # and ref # I gave the rep said were no good since they dont make notes on acct from dept to XXXX XXXX rcvd email that due to all the moving of monies and bounced XXXX on the acct they froze XXXX acct and I will be dismissed as a client after XXXX loyal, I cld and said I DID NOT MOVE THE MONIES but all were by XXXX reps and I askd for a mngr told there was none several times until I reached. XXXX who said he was the top mngr of fraud and claims REF # IOSEHNR he went XXXX each acct and by XXXX and XXXX questions I was told the acct wld be fixed again and monies put back, The XXXX was to be {$180000.00} at XXXX the account was NOT fixed but now close to XXXX XXXX all the deposits and monies moved in add to the other XXXX accounts now being negative.I cld and was very rudely told that there was nothing lft to do and it cld take XXXX I broke out in tears I am a single mother of XXXX I have no cash no way to get any money due to XXXX XXXX and acct XXXX. I am out in DESPERATE I had no help nor answers from 3 days XXXX and wasted hrs on the phone. This is the worst exp I have EVER had.I hope this email reaches someone that has some empathy and can help make the situation right and I can get access to the XXXX that is due.It is now going on XXXX and no response other than my account is froze and will be closed when XXXX is the XXXX that moved monies
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (AZ)

On XX/XX/XXXX I received a email from BOK Financial stating Please contact us as soon as possible to verify transactions and to discuss any further action necessary. As a safety precaution, we have deactivated your debit card ending in XXXX. 

You may contact us through one of the following means : - Call our card services Department at XXXX - Call our XXXX using the number on the back of your card- Visit us at any of our convenient banking centers I first called card services and spoke with a representative. I verified all the suspicious transactions and I was told by the representative, whom was a Fraud Department employee for Card services, that I successfully verified all activity and that my card would be reactivated and my account would be unrestricted in a couple of mins. After attempting to get gas, I learned my card and account was still restricted. I then called the XXXX number and went to the branch as well. I was told that card services never unrestricted my account even though I was told they were doing so. Furthermore I was told the Card services/fraud department was now closed and I would have to wait until Monday ( XX/XX/XXXX ) to access my funds. I was denied from withdrawing {$6000.00} of funds that I own due to a representative lying and not fulfilling her duty. This caused me to lose out on a lucrative business opportunity and also to have to survive off {$15.00} for 3 days. I also have accumulated fees on my bills due to this and was unable to book a flight that I needed to schedule. I have a job that I commute to daily and XXXX XXXX that needs support daily. Me and XXXX XXXX have completely suffered behind this, we barely have even eaten over this period of time. I asked BOK Financial for assistance or a credit to help and they denied me by saying I must wait for card services/fraud department until Monday even though I was told the situation was cleared and I was good to use my card/account. I did my job and verified the transactions but I am left to suffer for a grave mistake committed by a BOK Financial employee. The fact that they wouldnt even help me even though they see the money I have in the bank account is despicable and a violation of my consumer rights. Please help immediately.
Consumer complaint received 2023-09-18
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: CORELOGIC INC (GA)

Hello, I did not give permissible purpose, and written instructions from the consumer were not provided, and there was no credit transactions with a consumer, and employment purposes with written authorization from a consumer were not provided, insurance underwriting purposes, tenant screening, and national security investigations.

Please delete the inquiry from my consumer report. 

Thanks, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

Vance & Huffman LLC, creditor XXXX  XXXX has placed an invalid debt on my credit report that caused emotional distress for years. I have asked them to provide validation of debt via wet signature and photo documentation to prove the debt belongs to me. I will be seeking to sue this creditor if they do not remove this item from my credit report and provide proof of validation via wet signature and photo evidence.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX Stated in the letter attached that they verified the Bankruptcy from a 3rd party ( XXXX  ) XXXX XXXX XXXX XXXX has the incapability to verify information unless they have first hand knowledge of an alleged debt or account. As you will see in my evidence directly from the Clerks office stated they do not provide any credit reporting agencies with any information. XXXX  no XXXX XXXX can not validate or verify any information that is not directly being verified or validated by the original creditor. 



Please investigate the unlawful practice of XXXX XXXX and there methods of conducting investigations as the accuracy of reporting information. They are clearly not properly following the FCRA regulations as it pertains to the Privacy a consumer has a right to, and also they do not have permissible purpose or written consent.
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (MO)

I XXXX of 2020 I had lost my job unexpectedly and due to no fault of my own. I went to Tower Loan here in XXXX Missouri to inquire about any relief on my current loan I had been paying on due to XXXX and the loss of my job. The girl working stated there was no relief options available but said she could refinance the loan to put payments out another month and a half. So she did so even though I had no job. But what I found out after getting home that day was that I had Credit Insurance on the loan she refinanced which would have provided payments for me due to the loss of my job. Now they are garnishing my wages after receiving a default judgement in the amount of {$3700.00} but say with interest I owe {$8500.00}.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (VA)

Owner XXXX XXXX XXXX is maintaing all ownership rights to property address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and her rights to heirship property in XXXX XXXX, XXXX  known as XXXX XXXX XXXX which includes XXXX XXXXXXXX XXXX  and two water lots at the rear of XXXX XXXX XXXX under her insurance policy with XXXX XXXX. Wells Fargo and others do not have the right to deny her the property ( XXXX ). This is final notice and Wells Fargo has failed to provide supporting evidence otherwise.
Consumer complaint received 2024-07-23
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. (KY)

My last request for an investigation was denied by the company because somehow it seemed as though I did not write and submit my complaint. I don't understand why this collection is showing on my XXXX credit report because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : also states that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instructions. I have never given XXXX written instructions either. I XXXX XXXX wrote this complaint alone and without help. I have attached my Drivers License, Home Lease, Social Security Card, and a Current Utility Bill. Once your investigation is complete, Please delete this inaccurate collection account and mail me a corrected copy of my credit report/ file.
Consumer complaint received 2023-04-28
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. (CA)

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. 

XXXX XXXX XXXX XXXX # : XXXX, DEPT OF ED/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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: 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: AMERICAN EXPRESS COMPANY (IL)

Follow up complaint on American Express which didnt provide information to letter to consumers protection my identity was stolen or sold by some of these same companies.All you hear is data breaches from all the major companies.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX Capital One sent me an email alerting me to suspicious activity in my checking account. The minute I read the email I checked my account and called them. There were several transactions to a merchant named XXXX and XXXX. Capital One told me the amount total of these transactions was {$540.00}. I opened a claim with them because these charges weren't mine. They never credited my account of the loss funds and never sent me the reason why. They didn't advise me of anything, only that my claim was denied. Never once have I had transactions with this company, and once stopped, they stopped, or so I thought. No more than a month later, my account was completely drained by a fraudulent XXXX XXXX account. My only alert to this was that my rent check bounced. I've never bounced a check the entire time banking with Capital One. I called them immediately, crying this time, because I felt it was their fault this happened. Now, I've had a XXXX XXXX account prior to this happening, but it was only to deposit to my bank account, never withdraw from my bank. AND my XXXX XXXX was never funded through my bank, only by cash at XXXX and that was three times. I never used it. This fraudulent XXXX XXXX  responsible for draining my account, wasn't mine. Over {$1400.00} was taken this time in over a hundred transactions. While I was on the phone with a Capital One representative, whom ever is responsible for stealing my money, was actively trying to withdrawal money WHILE I WAS ON THE PHONE REPORTING THIS, the representative told me every time they attempted to use my debit card and the amount they were attempting to take out. So, I filed this claim, it took over 10 days for them to put my money back into my account, only to deny it a month later, claiming that they believe I am in receipt of the merchandise bought with the stolen funds. I am absolutely dumbstruck. I can't believe they are doing this to me. I AM THE VICTIM HERE, this isn't right. I am a hard working nurse and a single mother, never once have these types of transactions come out of my account in my banking history, and for them to claim that my transactional history makes them suspect that those were my charges is LUDICRIS. This is not my doing in any way shape or form. The only thing I'm guilty of is not checking my transaction history as often as I should, because this has never happened to me before these two events. When I log in, its to quickly check my balance, that's it. So- I filed a police report, I filed an identity theft report with the FTC , and now I'm filing a complaint here. I will not stop until I am given back the money that was stolen from me. It's bad enough being a victim of identity theft, now I'm victimized by my own bank. I don't feel Capital One has their clients back like they claim to in their advertising adds. Quite the opposite, I'm left sick to my stomach from the way they treated me.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC (CA)

- In XX/XX/2017 our Mortgage company changed names from Nationstar to Mr Cooper. 

- During this time our mortgage rate adjusted to a $ XXXX monthly increase. 

- Mr Cooper sent e-mails of the change and approaching rate increase which went into our junk mail because we did not know who Mr Cooper were. We own a retail business and receive hundreds of emails a day, most of them junk ... 

- We continued to send our regular payment through our banks auto pay to Nationstar. 

- We were never late in paying as the attached statement shows. 

- The payments were accepted and held, but not posted to our account. We were not informed of this. No one gave us a courtesy call to say that we were short ( not late ) so it went unnoticed. 

- Four months later we did receive a call from Mr Cooper to say that we had short paid 4 months in a row and it had been reported to the credit bureaus. 

- Interestingly enough, Mr Cooper did call us on XX/XX/XXXX just to " check in '' and make sure that all of our information was correct. At no time during that conversation was it ever mentioned that we had short paid for the last three months. ( I'm sure they record their telephone calls so I'd be very interested to hear that call played back. ) - When we were informed of the shorts we immediately remedied the problem and changed our auto pay to reflect the new payment. 

- Since then I have tried, without success, to reason with Mr Cooper to remove the late postings as a courtesy. It is painfully obvious why we were late but they won't budge on their position. 

- After I had written to the Chairman of Mr Cooper I received a package of information from a case manager basically saying that they did everything right in their methods of trying to contact us and weren't going to reach out to the credit bureaus and help us. 

- The one thing they did not do, was to simply pick up the phone when they received the first short pay in XX/XX/2017.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

According to FCRA 605B, I believe we need to eliminate any incorrect accounts from my credit report. Could you review the documents? Some accounts listed have reporting inaccuracies, incorrect amounts, and erroneous dates.
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BIYING Inc ()

Subject : Urgent Request for Assistance Account Freeze by Pionex Cryptocurrency Exchange I hope this message finds you well. I am writing to seek urgent assistance regarding a troubling issue with Pionex Exchange, a cryptocurrency platform based in XXXX. Recently, Pionex froze my account and restricted access to my funds without providing adequate justification or a clear path to resolution. As an XXXX XXXX residing in the XXXX and originally from XXXX, this situation has placed me in a precarious financial position and created significant personal distress. 

Account Details : XXXX : XXXX Account ID : XXXX Pionex Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I relocated to the XXXX in XX/XX/year> to pursue my XXXX XXXX Being unfamiliar with XXXX  financial regulations, I transferred XXXX to my family in XXXX for their essential living expenses. This action led to my account being frozen by Pionex without prior warning or guidance on compliance issues. 

Summary of the Issue : Incident : My account was frozen after transferring XXXX to my family in XXXX. 
Reason for Freeze : Compliance with unspecified international regulations, but no prior warning or clear instructions from Pionex.

Impact : Severe financial strain on my family and significant personal stress as I navigate this issue alone in a XXXXXXXX XXXX 
Attempts to Resolve : Communications : Despite numerous attempts to resolve this issue with Pionex support, their responses have been generic and unhelpful : " In accordance with our regulatory obligations and international compliance policies, we are unable to offer our services to residents within certain judicial jurisdictions. '' " We regret to inform you that we are unable to proceed with your request, as our decision is final. ''
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Deposited a Bank Of America checks for XXXX for XXXX from client XXXX XXXX returned XX/XX/XXXX as Refer to Maker. ( multiple trips to banks but clear confusion as they use XXXX XXXX as bill pay-maker of the check ) Redeposited it again XX/XX/XXXX, and it gets returned again. 

XXXX finally files a claim with Bank of America and is completed on XX/XX/XXXX stating that there was multiple scans on XX/XX/XXXX by XXXX and for them to research. 


XXXX did its research on and came to the conclusion that there was just XXXX scan on that date, and they checked with the Federal Reserve as i was at the bank for XXXX minutes. then they contacted Bank of America, and they were uncooperative and they constantly maintain the check was cashed and won't look into any errors or fraud. 

they cant/wont explain why the sequence no is for the claimed cashed check XXXX has no stamp from XXXX like the same check with sequence no XXXX. 
and why would the sequence be over XXXX difference? 

i have over XXXX XXXX 's to the BOA XXXX XXXX XXXX banks and frustrating phone calls but just get a run around or shoulder shrug and there nothing they can do - or i cashed the check etc and it appears that claim from Bank of America was incomplete or rushed