davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO DISREGARDED FTC RULES On XX/XX/2020 I ordered a laptop from XXXX in the amount of {$1300.00} the laptop was supposed to arrive on Friday XX/XX/2020. Exactly one week later on XX/XX/2020 I contacted XXXX about this issue they told me the package was delivered according to tracking and that I had signed for it. 

I assured them this can not be the case since I never received a package and more importantly never signed for one. They denied my claim and referred me to my card issuer bank. 

And the same day XX/XX/2020 I contacted my card this year Wells Fargo Bank. They immediately provided a temporary credit in the amount of {$1300.00}. They informed me that upon finalizing the claim that could last no longer than 90 days the temporary credit would stay permanent or fall off depending on the conclusion. This Was not the case. On XX/XX/2020 Almost 6 months after my claim was filed I received an electronic message through my Wells fargo app stating they had just reached out to XXXX 24 days prior to the letter date. They went months without doing a thing. Then on XX/XX/2020 7-8 months after I filed my claim they reversed funds I though had been resolved already. 

I contacted wells fargo and they said they declined my claim due to XXXX providing proof of shipment. Even after insisting that was not true they did not resolve it. I then proceeded to file another claim with their credit executive office on the premise of breaking FTC rules in resolving my claim in a timely manner. I did this twice. They were both declined twice with the same answer of XXXX providing proof. I would like wells fargo to take responsibility for their blatant disregard of federal rules or to charge XXXX since I never received the package. 

Thank you XXXX XXXX
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest XXXX. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX XXXX to XXXX XXXX and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe XXXX XXXX XXXX NOR XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child predators on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!
Consumer complaint received 2022-12-10
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: AFNI INC. (TX)

My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

A fraudster met me on social media and through XXXX, he shared his investment gains he made in Coinbase. He mentioned Coinbase is one of the most secure crypto storage and investment platform. With his guidance, I also invested in cryptocurrency not knowing my information was compromised. I did not authorize Coinbase to debit my funds to an unauthorized digital wallet.

Coinbase, without any warnings about possible fraudulent activities of the digital wallet, moved my funds over to a scam organization. The transactions into Coinbase was part a cryptocurrency scam. I, as a consumer, did not receive the service that was promised or described by Coinbase. I tracked the downstream wallet, which has been flagged multiple times for fraud, and Coinbase ignored the problems and did not do anything to investigate or close the fraud wallet. When I contacted Coinbase, they simply ignored my complaint.

Coinbase has a big loophole that makes easy for the scammer to do money laundering and allows scam sites to steal funds to their platforms. Such merchant contributed to fraudulent practices and did not have any safety precautions in place to protect myself and other consumers from this happening.
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

LVNV Funding has been trying to collect on alleged debt. I have sent letters and requested information. That no one with first hand knowledge has been able to answer. Yet, LVNV Funding keeps popping this alleged debt around from one collector to another. Resurgent capital services, seems to be one of their favorites. With doing so I believe they are hoping Ill drop the ball and not dispute. This has been happening for months. This might be border line illegal tactics to use.
Consumer complaint received 2024-10-29
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. (GA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MN)

On the XXXX day of XX/XX/2021 XXXX putting you on a full legal warning if the public record is not remove from my credit file in 10 business days you will suffer the Consequences of a lawsuit you have committed multiple violations of the FCRA in this includes US C 1681i failure to conduct a reasonable investigation. Acting willful and reckless and negligence with reporting I have requested specific information from you using the method of verification FCRA verification you had 15 days to respond under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 day you have failed to comply with any if not all federal laws. 10 days legal action will be applied and this will include attorney fees pain and suffering and proof of willful and reckless credit reporting you have been been sent factual base disputes showing the inaccuracies all I asked you to do is verify the information with the clerk of court with the name and phone number of who you spoke with but you just can not supply me with that information. The public record is consider unverifiable if you are unable to verify the information with the clerk of court pacer is a 3rd party vendor I have told you over and over pacer is reporting inaccurate dates how can you verify inaccurate information without going to the source? thank you for your time XXXX XXXX
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received a letter stating that I was late on a payment from XXXX around XX/XX/XXXX. I didn't know what it was as I didn't have any open accounts with XXXX so I sent a letter to them asking them to verify the account in writing in which I never heard from XXXX. I thought it was a mistake. Then in XXXX, I got an alert from my credit bureaus that XXXX said I was 30 days late XX/XX/XXXX. I then tried calling XXXX and was told that there was a mistake on how the account was closed so there was a {$25.00} fee added to the account. XXXX closed this account long before I was done with the payments and I only found that out through my credit report. The account has ALWAYS been in good standings up until they added this 30 day late on a closed account. I wasn't banking with XXXX either so I would have no way of knowing about any fees accessed. There was no notification of any fees due. The XXXX rep stated that she fixed the account and any fees were taken off and that she had properly closed the account on her end. I asked her about the 30 day late and she stated I would have to dispute the account. After talking to several XXXX representatives, I finally got one that stated I should not have receive a 30 day late and that she was disputing the late to have it removed from all 3 credit bureaus. After it was removed, then I get another alert that a 30 day late had been added again to this account for XX/XX/XXXX. There were no issues with this account until they made an error on this CLOSED account and added this 30 day late in XXXX. Now all of a sudden I'm late in XX/XX/XXXX. I was NOT late in XX/XX/XXXX. I spoke with another XXXX rep on today and he stated that it LOOKS like I was late in XX/XX/XXXX by making half a payment on one day then half a payment on another day. This is TOTAL XXXX from XXXX. I'm not sure why they are purposely trying to mess up my credit, other than not wanting to except they were wrong in the first place to give me a 30 day late in XXXX when I was not late. I feel that XXXX  is purposely trying to punish me because I fought this mistake they made. How can I go with no lates with this account since XXXX, and now all of a sudden lates are coming from everywhere on a closed account. This is not fair or ethical for a business to do. The credit bureaus also are not investigating this matter, they are excepting whatever XXXX says and reporting it. Now XXXX is showing that the account was closed XX/XX/XXXX, when it was closed years before. If XXXX  had answered my request of verification when I first asked for this in writing, none of this would be happening. Although they claim their was an issue on their end with the closing of this account, I don't see how that's possible when they closed it, as I had no access to it anymore and it was updated on my credit report as closed.
Consumer complaint received 2020-11-13
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. (MN)

I have two medical collections showing on my report from XXXX XXXX XXXX, and the original creditor for both is XXXX XXXX XXXX  As. One is for {$100.00} which shows as opened on XX/XX/XXXX. The other is for {$140.00} and shows as opened on XX/XX/XXXX. I have medical insurance, and don't owe these debts, but they're still showing on my report. This needs to be removed from my credit, as it isn't mine.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I have a current mortgage with Wells Fargo. They refuse to allow me to take advantage of a lower rate and are discriminating based on there fact that I have a new job. I have many assists to assist with backing up this loan but they would not take those into consideration and will not allow me to write down my current loan. They may also be age discriminatory as well.
Consumer complaint received 2020-11-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY not mine
Consumer complaint received 2019-03-26
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: I.Q. DATA INTERNATIONAL, INC. (FL)

The purpose of this correspondence is to obtain your assistance with an alleged debt that IQ Data International is currently reporting on my XXXX   credit report. After discovering this debt, I disputed this with XXXX I also mailed, via Certified Mail, a validation letter to the collection agency that has since been returned to me with the status of forward expired, despite obtaining the collection agencys demographic information through by XXXX credit report. I have been tracking this letter through the United States Postal Service tracking services ; the letter was returned to me on XX/XX/XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify- through the physical verification of the original signed consumer contract of any and all accounts posted on my credit report. XXXX  sent a letter stating that the account was verified. Since the certified letter I initially sent to the collection agency for validation was returned to me, I would like to know the method of which XXXX is complying with federal law to verify this alleged debt. 

XXXX failure to positively verify this account and the collection agencys refusal to respond to or accept the certified letter mailed to them regarding this alleged debt has interfered with my ability to obtain credit. According to federal law, this account must be verified or removed. 

Attached to this complaint, you will find : Copy of the validation letter sent to IQ Data International on XX/XX/XXXX Returned certified letter to IQ Data International SEALED ENVELOPE ( front and back ) I ask that you provide a resolution to this matter and compel IQ Data International to provide the information I have demanded in the validation letter or discontinue collection attempts/ negative reporting on my credit reports. 


This inaccurate, alleged debt has tarnished my credit and ability to obtain credit. Please know that I take this matter very seriously. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I am in a mortgage modification with the criminal company Wells Fargo, the terms of which was fraudulently represented to me, and have tried every remedy to change the situation, to the detriment of my physical, mental and financial health. The most recent indignity was the shocking experience was to find out that the complaint to their executive offices ( with a reference # ) which was mysteriously withdrawn for no reason. The rep helping me today was genuinely shocked and in and promised to escalate a new complaint. 

I am being stonewalled at every attempt to resolve this, by paying off or paying down or refinancing at a lower interest rate that I deserve due to my good credit and payment history, but get runarounds, form letters and some erroneous correspondence that has nothing to do with my inquiries or concerns. 

My paperwork is very organized when you need more details and figures. 
I have contacted lawyers, legal aid, bar association, etc. Our local town affordable housing rep has been of no help though I have made her aware of situation. I refuse to be taken advantage of any more.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc. (MI)

I had been a customer of Earn-up ( formerly XXXX XXXX ) since XX/XX/XXXX and up until never had any issues with " skipping a check '' during the months where I would have 3 check or withdrawals until XX/XX/XXXX. Earn-up had just taken over the activities from XXXX XXXX. So this made me wonder and I immediately requested a transaction history of payments and withdrawals. After several calls and emails, on XX/XX/XXXX, I received a transaction history of payments and withdrawals from XX/XX/XXXX to XX/XX/XXXX. I reconciled the payment and withdrawals and found discrepancies. On XX/XX/XXXX I sent a request to Earn-up to review the reconciliation, investigate, and issue a refund. I provided them with details of the reconciliation : ( 1 ) {$1200.00} more withdrawals versus payment to the mortgage companies ; ( 2 ) Questionable " One Time Deduction '' of {$11.00} ( included above ) ( 3 ) {$290.00} of Questionable ACH Fees Earn-up contacted me and promised a response. They did satisfactorily explain the {$11.00} withdrawal early on but that was all! but even on XX/XX/XXXX, I had to follow-up in writing. I went through my analysis several times with " XXXX in the Escalation Team '', have made several phone calls and followup emails, only to be told that they were working on, and I would have a resolution soon. I informed them that I would be escalating the issue legally. The " last straw '' was when I called on XX/XX/XXXX and was told that my case had been resolved and to expect either a refund or an explanation on or before Monday, XX/XX/XXXX. I received a refund in my bank account on Friday, XXXX XXXX, XXXX for {$240.00}. I rejected this amount and have asked Earn-up to explain how they arrived at this amount, but they have not. 

Earn-up told me I took part in a settlement from Consumer Financial Protection Board ( CFPB ) settlement in which I was refunded fees in the amount of {$480.00} on XX/XX/XXXX, and the settlement conditions. I have asked of proof of this. 

My complaint is that based on a more detailed breakdown analysis, I contend that EARNUP still owes me {$880.00} : A. At the time of the settlement the amount due from Pay Map was {$390.00}, which means they refunded me {$92.00} more than what they should have for this period. As you have stated this settled all amounts due at that time. 
B. From XXXX there was {$1100.00} more withdrawals than payments. Only {$240.00} was refunded which they still have provided any details or support of how they arrived at this amount, just that it was a balance in the account. The total difference is {$880.00} due for this period.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

I leased a XX/XX/XXXX vehicle it had a 36 month term. In XXXX of XX/XX/XXXXmonths before the lease was up I paid the car off. I went to DMV and obtained the lease. 

VW credit XXXX had placed a XXXX balance on my credit report. Ive contacted them numbers times regarding this balance. They say they will remove it and update the status but they never do. As a result my XXXX and XXXX  scores has dropped nearly 100 points! 

This is XXXX XXXX  and XXXX  to say the least. Ive even tried to dispute this through their websites. But there is nothing setup where I can upload the title of the vehicle. Please HELP me!