davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019, I completed a sales transaction for an XXXX I was selling through a third party app ( XXXX ). However, the consumer stated she wanted to use the banking app XXXX ; a cash app that is available in the mobile banking. I was skeptical of the transaction, so I called Wells Fargo where a representative told me it was a secure app to use as long as the funds reflect on my account and instructed not to leave if the transaction was " pending ''. Therefore, I asked the consumer if she could XXXX me XXXX cents to make sure it would go through giving her my phone number to complete the transfer. She made the transfer and it reflected on my account, so I made the drive to complete the sale. We met, she loved the product, then she used XXXX to make the transfer of {$290.00} to cover the amount making the total purchase of {$300.00}, in which we agreed. Therefore, I transferred the {$300.00} dollars to my savings account and that's where the funds were up until XX/XX/2019. Until I noticed my Online Banking was frozen ; but unsure why until I made the call where I was told that {$300.00} was debited because she ( the consumer ) reported to her bank ( XXXX ) that she never made that transaction and was fraudulent, which is false. After hours and dozens of fraud claims department representatives, I was told the same thing. " File a police report, its out of our hands at this point ''. This would be a reasonable ; had they notified me at all about the situation, but NOONE at Wells Fargo or any representative called or texted me at all to let me know about the claim against me. I was told that they ( Wells Fargo ) received the claim XX/XX/XXXX and judgement was ruled and I was debited XX/XX/XXXX, which makes absolutely no sense. I was even told that they notified me by mail ( which was mailed out XX/XX/XXXX ), but I made my calls XX/XX/XXXX when I found out. I didn't receive that letter in the mail until XX/XX/XXXX. Wells Fargo made no attempt to contact me to make an appeal of some sort. I don't feel safe with my funds being banked at Wells Fargo no longer, after I was instructed that it was safe to use their app to complete cash transfers. I was also told out of sarcasm ; that if I bought multiple items on third party apps -ie. XXXX, XXXX, XXXX, etc., and I reported as fraud as well that I would get my money back the way she ( the consumer ) did to me. She ( the consumer of my XXXX ) now has my phone and her money. I am extremely irate, and I feel Wells Fargo handled this situation unprofessionally, and I feel Wells Fargo should be held accountable.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (FL)

I have made multiple good faith attempts to pay this balance. Once in XXXX for a little over {$12000.00}. Sent via check that they never cashed nor was ever returned NSF. I had over $ XXXX in my checking account when I sent that check so the funds were good. That payment was sent in response to one of their regular monthly statements under what they categorized total amount to reinstate. The payment was sent well before the due date. 

If they would allow online payments after a person gets 60 days behind, this would not have been an issue. They cut off online payments so they can earn additional fees and late charges. 

Again I made a good faith effort to pay when I sent a bank wire on XX/XX/2023, per instructions from the Selene ( loan servicer ) representative, only to find days later that they returned the wire. No explanation. 

Here is the acknowledgement from my bank that the wire was sent. 

For account ending in XXXX : A Bank Wire disbursement from your account ending in XXXX to your bank was successfully completed on XX/XX/2023. Please remember that funds are made available based on your bank 's funds availability policy. If you have any questions or believe this is an error, please call XXXX. 

When I called back another representative agreed that she found the recording of the call where the previous agent gave me instructions to re-instate. She agreed that the wire was received on time, agreed that the amount was correct and the funds were deposited. She said unfortunately they did not process the payment because a reinstatement letter had not been sent so my payment was rejected. 

Now they want {$31000.00}. This includes {$230000.00} principal and interest which I am not disputing. They also want me to pay an additional {$8300.00} for fees incurred by them because of their loan servicing agent 's failure to accept payment. 

Following are details associated with this complaint : Borrower : 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 XXXXXXXX XXXX NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF XXXX ACQUISITION TRUST Your Servicer is : SELENE
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX XXXX  you furnished alleged transaction ( s ) on my XXXX, TransUnion, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Without Recourse UCC 1-308
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX you furnished alleged transaction ( s ) on my XXXX, Trans Union, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

A creditor can not treat a payment as late without complying with this section of the law! 

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know you are not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). 

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Without Recourse UCC 1-308
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WA)

Tried to apply for a Heloc with Mr Cooper and was denied an application. I was advised of several " missed '' or " late '' payments. I denied this as my XXXX credit reporting companies do not show this. I have made all, that I can recall, payments inside the month that they were due, directly on the company website. I have some screen shots. I have also spoken to customer service who assured me, if I was getting close to the end of the month, that if made INSIDE the due month, it would not have negative consequences. Turns out, not true. They have based their response on when they actually process the payment. These we electronic, same day with confirmation of receipt of payment and no warning that it wasn't valid. 
On XX/XX/XXXX this year, their system was shut down. No payments could go in, phone or online. I have screenshots and phone records that I tried to pay and an email from them that assured me that I would not face consequence of a late XXXX payment. They have just informed me that their system was not down until XX/XX/XXXX. That is a total Lie. I have the screen shots to prove it. I am current with ALL of my mortgage payments to Mr. Cooper.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX at XXXX XXXX  I was on a recorded call with experian representative. 
who told me that she was unable to temporarily lift my security freeze due to conflicting information on my consumer report. Once I told her that this was an inconvenience to me and what I needed to do. For reasons that have nothing to do with me I am unable to access my consumer report The vendors are unable to access my consumer report. This puts an involuntary freeze on my life. This is a federal crime on multiple levels and a federal lawsuit. 

Next internal information connected needed to be combined, this would take 3 to 5 business days. I explained to the rep. that 3 to 5 business days absolutely holds up progress in my life. She also stated that she put in a complaint as well. 

This also explains why the first rep hung up on me and why I have not been able to access my account online for months.
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

on XX/XX/2023 I sent a certified letter to XXXX, XXXX, and TransUnion credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. XXXX, XXXX and Transunion failed to provide the requested information.
Consumer complaint received 2023-11-29
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. (MD)

on XX/XX/2023 I sent a certified letter to XXXX, Equifax, and XXXX credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. XXXX, Equifax and XXXX failed to provide the requested information.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Please see the following timeline : XX/XX/XXXX : I received a letter from XXXX in response to my dispute with Experian which included an Identity Theft affidavit for me to complete and send back for processing. ( See exhibit XXXX ). This was completed and sent back to XXXX. XXXX required the affidavit to be notarized at my expense for which I did pay. As of the date of this letter, I still have not received any follow-up regarding this review. 

XX/XX/XXXX XXXX : Due to the response that XXXX  submitted to Experian regarding the dispute, I submitted a Request For Debt Verification letter to Resurgent on XX/XX/XXXX which they received on XX/XX/XXXX ( See exhibit XXXX ). 

XX/XX/XXXX : I received a letter from XXXX advising that they have initiated a review. ( See exhibit XXXX ) XX/XX/XXXX : I received two separate letters from XXXX stating that an account summary was enclosed which was their response to my request for Debt Verification. On both letters they enclosed the account statements from XXXX and XXXX that provided no information that satisfies my request to verify the debt. There is no information provided to show how the account was opened or what documentation was provided to authenticate the identity of the unknown individual opening the account. On the same day, I submitted another letter to XXXX stating that the documentation that they provided does not satisfy my request and therefore the matter is not resolved. This letter was received XX/XX/XXXX ( See exhibit XXXX ). 

XX/XX/XXXX : I received four letters from XXXX. The first letter just stated that a review had been initiated, which is the same letter that was already sent previously. The second letter was another request to complete the same Identity Theft affidavit that was already completed and notarized from XX/XX/XXXX. The third letter again was a duplicate response which enclosed the same account statements from XXXX and XXXX. The fourth letter was a collection letter requesting payment. 

In summary, I disputed a derogatory reporting with Experian in which a response was given by XXXX that the reporting was valid. In response, I submitted to XXXX a request for XXXX XXXX in which they provided copies of two account statements from the fraudulent account from XXXX and XXXX. There was no information provided to me that reflected any investigation on how the account was opened nor what documentation was submitted. XXXX did provide me with an ID Theft affidavit requesting for me to complete, notarize, and return which I did. However, there has been no response or follow-up from XXXX regarding what was done with that document. The last correspondence that I received from XXXX was a request for payment. I am seeking assistance with getting this file removed from all credit bureaus. 
A police report with file with the XXXX Police Department on XX/XX/XXXX. The report number XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After looking over my credit report and notifing theCredit bureaus of unaurthorize inquires on my report I contacted XXXX, TransUnion and XXXX. I explained that these inquires were not of my knowledge, nor doing and ask to have removed. Bureaus did not help with my situation. After learning that some companies practice bad financial practices by running crdeit multiple time through multiple channels, and without the consent from me, a consumer endures significant damages to their credit. Under the FCRA 15 U.S.C. 1681 there should be not be any damages on your credit report. It's a defamation to your character.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I am disappointed in how Citizens One manage my account from year XXXX to year XXXX. 

I am disputing over the way how my payments been going more to fees ( and interest ) than principal ; when my interest rate is 6.730 %. 


I noticed, if I make payments directly from my Citizens One account on their website, it will take 4 days to go through my checking account. 

That's why I stop paying it through Citizens One website. 


I've explain to Citizens One 's representatives over the phone what was going on in my life. 

If I was recorded, there should be no problem to access what I was saying to Citizens One 's representatives over the phone. 

Now, I pay from my bank that takes it out same day, send it out next day to my account at Citizen One.