davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

On XX/XX/2021 Paypal permanently limited my I account and will not release it for 180 days, there was a despute which I always fix immediately to avoid limitation to my account but they still went ahead and permanently limited it. On the day that I found out about my account limitation on XX/XX/2021, I immediately messaged them but all they did was answered me with auto-generated answers which doesnt really help at all. 180 days is such a long time to wait for the money, I would have understood it if it was only 3 months but 6 months is such a long time, no consideration for the pandemic either.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (NY)

spoke w/CS Rep XXXX XX/XX/XXXX about XXXX XXXX : Second time I have contacted XXXX. ( Also twice had contacted XXXX of XXXX, ND. ) Received letter in mail from XXXX that my APR would be increased from 9.99 % to 14.49 % starting XX/XX/XXXX on Purchases. Reasons for bad review were four from XXXX, and, as I understand the words of the standards, all did not apply to my account. For years I have had one account, and I was now informed, 1-I have too few accounts currently paid as agreed ( I am told monthly that I only owe payments of $ 40- {$60.00}, yet I pay $ XXXX- {$400.00}. XXXX, itself, showed that all my months from XXXX XXXX to XXXX XXXX were " OK '' with this method used. ) 2-There is a lack of recent installment loan information : I do not use the credit card for any loans. It has been most heavily used for car repairs on a XXXX XXXX, which is now becoming VERY expensive junk. 3-Too many accounts with balances : XXXX said she saw only one account, XXXX, and no others. How can there be many accounts with balances, unless they belong to someone else? 4-Ratio of balances to credit limits on revolving accounts is too high : This one I was not sure of, but, since the information of XX/XX/XXXX used a credit score of XXXX, and it was used as a XXXX FICO XXXX Bankcard Risk Score, and XXXX informed me that the bad review was based on the date and version of my Credit Bureau report, and risk scores can be from 300-850, I am contesting this because XXXX gave me a credit score of XXXX on XX/XX/XXXX, which it labels as " Exceptional. '' I have had no bankruptcies, no late payments, no collections, and 100 % on-time payments, according to XXXX. Now, with this false evaluation from XXXX and XXXX, I am informed I have to wait six months for another review! That means the bank will rob me for six months!
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

I had accumulated {$14.00} in 'Rewards cash ' on a Wells Fargo CC , but while the account was still open, I no longer had an actual card to actively use the account. In XX/XX/2019, I received a letter from WF informing me that - if I did not use the card again within a specific time frame ( 60 days or so, I believe ) - WF would close the account and upon closure, I would lose the reward I had accumulated. 

Over the next several months, I called WF at least twice and sent numerous emails requesting that a card be sent to me. WF did send me a CC, but it was attached to another account I had with WF. I informed them of their error, and asked again that they send a CC for the account in question, and that they not close the account without first doing so. 

WF never sent me a CC and - in spite of their promise not to close the account when I specifically requested that they not close it - the account was closed and my rewards cash 'disappeared '. Subsequent emails requesting this error be corrected have been answered with denials of wrongdoing and rejection of my request. 

WF also uses an 'in house ' email system with customers that deletes emails after a short time frame. All emails with WF are now deleted from their proprietary system. 

I would like to be reimbursed the money that - according to our contract - I earned through purchases.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ( 1. Account Name XXXX XXXX XXXX XXXXccount Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account XXXX : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of all late payments. and update the balance to current or delete the negative payment status on this account. 

3. Account Name : XXXX Account XXXX : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate XX/XX/year> Close Date : Inaccurate XX/XX/year> Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I was expecting to have my XXXX XXXX that has been sent to my coinbase account without a destination tag. It was sent to my coinbase on XX/XX/XXXX, so the suspension hasnt took effect yet. Suspension of XXXX was XX/XX/XXXX. The question is, if I am going to have it either in equal amount to other crypto or on my XXXX XXXX? 
XXXX XXXX XXXX said coinbase has it. 

It is already XXXX and I am losing hope. That is more than {$3000.00} now I tried contacting them same day the problem happened, they replied XX/XX/XXXX but their response doesnt even reloved my problem and then until now no response again from them. 

I had the same issue with other exchange platform but my token are refunded in less than 24 hours ...
Consumer complaint received 2021-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient is handling my student loans that I obtained while attending the XXXX XXXX XXXX. The school is no longer in business and I am still repaying the loans. Years later, I transferred my credits and attended the XXXX XXXX XXXX. XXXX is handling those loans, but they are currently on hold due to Biden 's direction. My issue is Navient is showing my loans are being repaid to XXXX XXXX XXXX and not to the XXXX XXXX XXXX. I have requested clarification but get no response. I fear that my payments are not being directed properly. I owe XXXX  $ XXXX and I only owe XXXX {$1500.00}. So there is a big issue if this is not being handled properly.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc. (PA)

Hi I took out a secured loan with my own money in XXXX to build my credit I paid off the balance this money my money hasnt been returned I email customer service multiple times I submitted the proper documentation no one is not responding I need my payout thru also lied and said my payout will be XX/XX/XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-12-29
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Hello, since XXXX XXXX Ihave not been able to access to my account From Coinbase has been frozen for ID Verification Issues, and then requests my personal information in a safe link, all documentation has been provided but is almost one month and they have not resolved my problem, they have been continuing not resolving my problem, they dont provide to me a timeline for resolution or any plan to return my funds My number case # XXXX
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX, I entered the PNC Bank, in XXXX, GA to make a {$9900.00} cash deposit. At this location, there are no bank tellers. I had used this branch to make a case deposite approximately two weeks prior. Following the instructions on the ATM, I was instructed by the live video teller, whose name is XXXX, to deposit the entire amount. I questioned this because I had been informed before that the machine could not handle large amounts of cash at one time. He told me to disregard that information and make the deposit anyway. I inserted the entire {$9900.00}. The machine door closed and the machine started counting the money. Suddenly, the door opened and the money was ejected from the machine. I pulled the large wad of bills from the machine, then it " spit '' several bills out. Those bills were crinkled, like the machine jammed. Then the machine went blank, and the teller was gone. The machine rebooted. 

An employee at the bank came out and we counted the money, and I only had {$9100.00}. I logged back into the machine and another teller appeared on the video screen. I explained to the teller, XXXX, what happened and she said there was no record of any previous transaction and there was nothing that could be done to retrieve my missing {$800.00}. The Branch Manager XXXX XXXX came out and we discussed the issue. XXXX XXXX said that she would handle the issue through a dispute. I asked that all of the information be provided to me in writing. I asked that she e-mail it to me. With XXXX still on the machine, I deposited the remaining {$9100.00}. In hindsight, I should have called the police and obtained a police report. 

Approximately an hour later, I received a phone call from XXXX XXXX with PNC. He informed me that it would be at least 10 business days until the dispute could be processed. He never mentioned returning my money. I asked that he e-mail me with the steps in the process. To date, I have not received anything. On XX/XX/XXXX, I e-mailed XXXX XXXX to inquire about the missing funds. She has not responded either.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-21
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. (IN)

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 Account # XXXX XXXX XXXX XXXXXXXX A, 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 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (CO)

Few refinances ago, Better.com missed a communication with the transferred company, which has created a greater problem for me. 

I refinanced with Better.com for my home XX/XX/2021. XXXX had bought my older loan, and the transfer took place as of XX/XX/2021. Somehow, from my refinance on XX/XX/2021, Better missed the communication to XXXX to tell them that I refinanced and there is a new loan. The loan with XXXX is not correct. 

Now I have essentially 2 loans, one with the new refinanced loan, which is correct, but also XXXX loan ( which was transferred ), which should have not happened. 

Now XXXX is saying the loan is still valid until Better wires them money for the loan to be paid out. XXXX call me 2-3 times a day for payment for XXXX and XXXX, which is not correct per my new refinance. So, I cant do anything till Better fixes the issue. Its been over 40 days. This is something Better should have fixed, and I am having to call all parties. This is not fair or correct! 

Most recently, Better is saying they need the wire from XXXX ( the internal mortgage company ). As of XX/XX/2021, when I talked to XXXX, they said that they already wired the money to Better. Better is saying they are waiting for XXXX. 

In all this confusion, I am the financially responsible for the mistake that Better made. Which is not fair at all. I am having panic attacks and nervous break downs because, I am so scared of what could happen to my credit and finance, when it is not even my fault. I found this issue, when it should have been something Better should have taken care of. 

I still talk to them all calmly and kindly, as I only want the issue to be fixed. It is a persons life that they all are dealing with. It is not okay. If I could fix, I would, and I am trying by calling all parties, but it can only be fixed when Better pays out XXXX. I dont know when that will happen is the scary part. Please look into this matter. I can only stress how scary this is to you guys, but I am living it. Please help. I am sincerely asking for a resolution. 

I have reached out to XXXX and Better.com frequently, as well As XXXX. Both XXXX and Better say they are looking at it and expedited, but XXXX is still not paid out. XXXX says that their is still valid, which I can not do anything till Better reaching out to fix the issue. 

Timeline : Refinanced with Better.com : XX/XX/2021 ( new loan ) Paid off The XXXX XXXX ( XXXX ) : XX/XX/2021 Transferred to XXXX : XX/XX/2021 ( this should have never been transferred, as another loan has been created. 

Loan amount at a XXXX : {$230000.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-06-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I feel that Wells Fargo discriminated against me because I am a XXXX. I submitted a loan requesting $ XXXX on my mixed use property located at XXXX XXXX XXXX XXXX NY. My property doesnt hold any loans at this time and the property has a market value about {$2.00} XXXX with plenty cash flow of $ XXXX yearly. Also my credit report is over 800. 

I sent all the bank statements along with my 2020 taxes, showing enough cash to secure the loan and I was putting the collateral as my properties and business. 

The reason my loan was denied by Wells Fargo was due to the type of collateral. I am very confused because before I submitted the loan application I discussed everything about my loan application with XXXX XXXX and XXXX XXXX from Wells Fargo to make sure that I would be able to get the loan. After providing all the information about my properties and my reason why I wanted to obtain a loan they invited me to apply for this loan.
Consumer complaint received 2019-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

On XX/XX/2019 I closed on a cash out refinance with Quicken Loans. Out of the cash out refinance proceeds an IRS lien was to be paid ( {$48.00} XXXX ). The IRS provided clear instructions on how to mark the check and make successful payments in accordance with their provisions ( attached. I was assured that the payment would be sent. The turnaround time would be about 5 weeks. 

On XX/XX/2019 I contacted the IRS to learn whether the IRS had received the payment. XXXX tracking revealed that the payoff check had been received on XX/XX/2019 at XXXX. 

On XX/XX/2019 I contacted Quicken Loans to find out whether the IRS payoff check was deposited ; it was not. I was told that they would void the check and reissue. Thereafter, I asked whether my taxpayer ID ( social security number ) was included on the check or the payoff letter ; it was not, as required by the IRS. 

On XX/XX/2019 Quicken Loans advised me that they would not void the check because the IRS charges a fine for processing a check that is later dishonored. Quicken advised that any fee for stopping payment and correctly reissuing the check would be passed on to me. However, I relied on Quicken to correctly follow the instructions of the IRS. I offered to take the check into the local IRS branch, and was again told I would bear the responsibility of the penalty if they were to issue one on a stop payment. 
( continued on additional page ) I again reached out to Quicken Loans who pointed to the disbursement disclosure as a defense to what appears to be incompetent handling of the payout to the IRS. However, nowhere in the agreement does it say that Quicken Loans, or any of its agents can send payoffs, not following instructions, and leave me liable for any potential fees or penalties as a result of their not following the proper instructions. 

Thus far all indications are that Quicken, and its agents are giving the runaround, where there needs to be resolution. 

I authorize you to speak to my XXXX, XXXX XXXX, who can also be reached by calling my number. He helped me with all of the paperwork concerning this loan. I very much would like your assistance in helping me usher a resolution. Thus far, it seems like Quicken is shrugging its shoulders. 


Sincerely, XXXX XXXX XXXX