davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (AZ)

I have a an account with Relay Financial ( XXXX XXXX ) and transferred money to this account but later decided to move it to another account. I initiated an ACH on XX/XX/2024 $ XXXX to be moved to my savings account at large bank. The money was immediately taken out of my Relay Financial account and showed on my app as deducted on XX/XX/2024. Assuming it would take XXXX XXXX business days and given there was a weekend, it should have been deposited by XX/XX/2024. On the morning of XXXX I get an email telling me my account has been frozen and documents are required for any transactions to take place. After a lot of back and forth on what documents will help unfreeze my account, I was asked to provide bank statements of the source of the funds ( I wire transferred the money into the account from an account with a credit union ). I provided screenshots of the transaction which was not accepted. I provided a picture of my paper statement, which was not acceptable and finally after signing up for e statements and downloading a pdf version to send to them ( which I think was in some way a violation of privacy of my financial information ). I did not hear back till the next day. I need the funds to put a down payment to close a real estate transaction and I didnt have it when I needed it. On XX/XX/2024 I see that the amount that was deducted with the date XXXX has now suddenly changed dates to XXXX! The funds are then showing in my savings account on XXXX but with the status processing. I asked several times for the reason for freezing my account and why was the transfer delays ( even if for 1 day ) and only got a reply saying if was a General account review. So I ended up not closing the transaction and only get a sorry for the inconvenience from the banks agent. Can a bank freeze my account for no good reason? If funds moved into the account by wire transfer had no issue then why was I asked for statements for source account? How come funds were deducted from my account immediately on XXXX but not processed till XXXX ( XXXX business days later )? 
This is the second time this is happening and the first time was on XX/XX/2024 and it took more than a week to get unfrozen after providing personal account statements and LinkedIn profile link to prove I am an actual person! I suspect this bank delays large transaction to make few percentage points with your money by delaying transaction for frivolous issues.
Consumer complaint received 2023-01-21
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. (PA)

Im having problems with XXXX XXXXXXXX credit card and the credit reporting companies reporting my balance and payment history. Im missing approximately XXXX missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by XXXX XXXX.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

US DEPT VETS XXXX Balance Owed : {$0.00} - This account is showing several violations : Date of last activity is incorrect, Balance is incorrect and payment history is inaccurate. These are all violation please delete. 

XXXX XXXX XXXX Balance Owed : {$100.00} - You are reporting an incorrect Date of last activity, an incorrect open date ; it has been changed, and an incorrect balance. These are ALL violation please Delete. 

XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.
Consumer complaint received 2023-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (VA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unfair activities. They provided this account on which we did not agree and on which I did not sign an agreement. A legal contract is signed by two parties, and I was not a part of any of them. Furthermore, they did not follow the necessary 5-step validation method, resulting in unfair practices. According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights.
Consumer complaint received 2023-05-08
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. (TX)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

U.S. Bank was advertising a {$300.00} bank bonus. On XX/XX/XXXX, I signed up for a bank account. They contacted me on XX/XX/XXXX saying they needed further verification, specifically my social security card, state ID and 'foreign ID ' ( green card or Employment Authorization Document ). When I sent in my I-551 stamp, they said they 'can not take an I-551 '. 'I-551 ' is the Citizenship and Immigration Services form name for the 'green card '. They claim to accept permanent residents but in fact discriminated against me by refusing to accept my I-551 stamp,  which is legally equivalent to a permanent resident card. 

See : https : XXXX This violates local law, California Civil Code section 51, as well as federal law, 42 U.S.C. 1981 ( c ), because they are refusing to deal with me because I am a permanent resident and not a U.S. citizen. Even if I wasn't a permanent resident, they have no legitimate reason for verifying that I am a permanent resident because I have already provided them with my state ID and social security card. Now the bonus has expired and they have essentially defrauded me of {$300.00} due to their discriminatory practices.
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TN)

This complaint is being filed under the Fair Debt Collection Practices Act. XXXX responded to my complaint and stated that they had filled a lawsuits against me which i had no ideas that I owned them anything or had received any letter from them. It is an Unlawfully lawsuit that XXXX had filled against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of { {$830.00} } opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. XXXX has never made contact with me of any kind with regard to this debt. XXXX placed this debt on my consumer report and fingerhurt also place this debt on my consumer report. Its seems like both companies are trying to collect the debt. XXXX has continued to harass me in trying to collect on this debt by continuously placing the debt on my consumer reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit. XXXX is causing me my health. now I have no place to stay and no where is willing to rent me a place and with this account on my consumer reports, I can't get approved for anything. please removed this account from my consumer reports so my life to get back to normal.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MN)

My bank account is always getting overcharge with overdraft fees that make me super XXXX because I dont get charge for anything I pay for until Wells Fargo feels like they want to put it throough. When I buy something it should XXXX straight out of my money and not when I dont have money so then I get a overdraft fee because they dont process it until I have no more dollars in there. I get paid on the XXXX of every month and I end up negative three or four hundred dollars because they dont process the charges until I dont have any money in my account.
Consumer complaint received 2022-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Police report number XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Ender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX before me today present as a flesh and blood living being ( Non entity/non debtor ) under oath to the most high of creation only and provided the facts listed hereir XXXX XXXX XXXX XXXX Sworn to or Affirmed by and subscribed before me on the. 
XXXX XXXX XXXX XXXX XXXX Notary Signature : XXXX
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (MI)

Source, XXXX XXXX Account # XXXX This company is in violation of my rights and this account should be removed immediately XXXX XXXX XXXX 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 an account without my written instructions.

The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Consumer complaint received 2021-01-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

PennyMac HUD FHA Common Law Court Order No. XXXX and XXXX It has already been adjudicated in the courts above that ex relations XXXX XXXX XXXX now appellation and nationality correction XXXX  ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, and again on Your item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX, CA XXXX to XXXX. The item was signed for by XXXX XXXX. A reminder of the full amount payment to PennyMac c/o FHA/HUD and was received, via USPS proof of Delivery and service signed by postal worker. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, c/o PennyMac, HUD and FHA had been notified of her application and nationality correction as of XX/XX/XXXX shortly after added her name but never sent out a new statement. I have not received any phone calls nor any letters concerning this payment matter as it was due on XX/XX/XXXX. The original payment was XX/XX/XXXX and also XX/XX/XXXX. By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a XXXX  has done. Having right of recourse with respect to the obligation to which the tender relates. 

I was told by PennyMac once before back in XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid and force me into foreclosure. As such USC 18USC3571, 18USC872, 18USC1001 18USC1621 forced compliance to contract not or no longer held, for they have received not only the tender of payment but also the 1099c discharge attached herein this claim. On multiple occasions someone attempted to make threats of foreclosure by way of identity theft, and i have not received any documentation nor monthly mortgage statements as of XX/XX/XXXX. 

This debt is tendered as well discharge By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a XXXX  has done. Having right of recourse with respect to the obligation to which the tender relates. I was told by XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid.
Consumer complaint received 2022-10-30
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. (MD)

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 Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX Account # XXXX  XXXX XXXX. XXXX EXXXX  - Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX Account 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 XXXX 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 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Experian, XXXX recently replied to me regarding a complaint, stating XXXX information furnisher verified the following bankruptcies as accurate verified - XXXX  XXXX XXXX  cases ; XXXX, XXXX, XXXX. Bankruptcies we're fraudulently filed in my name Identity Theft. I will attach the letters from XXXX stating Bankruptcies we're removed. I provided to XXXX ftc report, police report information. XXXX has been violating my fcra right 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer. 
12 CFR 1022.123 ( b ) ( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address XXXX street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.
Consumer complaint received 2024-02-27
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. (GA)

Despite my persistent efforts, these concerns persist. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' Should my initial request to verify these items, as detailed in my previous certified mail, be ignored, I will escalate the matter by filing a complaint with the Federal Trade Commission. It's essential for a reevaluation of the information to take place. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to do so will necessitate the immediate removal of these disputed items from my credit report.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX my sister in XXXX transferred XXXX Euro into my Capital One account. 
Before the transfer I called Capital Ine to inquire about fees and exchange rate, my sister did the same on her end in XXXX. 
I was told that Capital One does not charge any fees and will deposit the same amount that will come to their bank. My sister paid the fees that incurred in XXXX separate from the transfer. 
I checked the exchange rate for the next day, the day we made the transfer. It was XXXX. 
However I only received {$10000.00} instead of the {$10000.00}. I do understand that there might be a difference in exchange rate the bank uses, but the difference is {$270.00} which is extreme. 
I talked to several associates and managers at my bank who all insisted they did receive only {$10000.00} and the conversion was done before it hit their bank. 
My sister also talked extensively with her bank and they insisted that they did not do the conversion into US . Both bank said there was no intermediate bank they used. 
I finally got a statement from my bank after a lot of calls. I will attach it. 
I dont know what else to do. I dont know where who and why I received {$270.00} less. 
Please help!
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (MI)

I do not recognize the alledged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXXXXXX XXXX XXXXXXXX. This account was recently closed and then reopened after disputing it previously.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I disputed fraudulent inquiries on my credit report to Equifax and attached a copy of my police report via postal mail. I contacted the company on XX/XX/20 to check the status. The representative told me there's was nothing that could be done and that I would have to wait 30 days. I then asked could I speak to a supervisor. The sup came on the phone and basically said they are not going to do anything about the fraudulent inquiries until the creditors reach out to them and inform them that they are in fact fraud.