davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

ALERT ... ALERT ... ALERT... : THIS IS NOT A DUPLICATE COMPLAINT! 

I. " Someone '' marked all duplicate and original complaints as being closed and resolved. 
a.Neither is true. This is a tactic I am familiar with, in the case of my experience with nortoriously criminal banks. The complaint is marked duplicate, closed and never addressed.

II. Wells Fargo is trying to contact me by phone, then filed a form-letter type response, publishing a long-long credit-card user agreement. 
a. I just got a letter stating they would contact me within 10 days of my Complaint, dated XX/XX/22 ; this was not filed at the portal, according to mandate. 
III. I need them to follow procedure and respond through the CFPB portal only -- NOT by phone. 
a. Banks exploit interstate phone recording laws ; I do not want to have any telephony with bank reps. 
IV. This entity points out that I filed for XXXX XXXXXXXX Bankruptcy protection a number of times ; however, these cases were dismissed. 
a. If I had gone through with them, ALL my credit card debt would have been wiped out. Instead, Wells Fargo decided to pretend to be magnanimous and forgive the credit card debt. 
b. When it was impossible for me to rescue my family home of almost 40 years from an illegal foreclosure action, I moved to filed Bankruptcy. With the stress of the impending home invasion and my XXXX, I was unable to file in a timely manner : hence, the number of filings. At the 11th hour I realized, bankruptcy was not an option financially. 
c. Well Fargo Bank, then went back on their promise to forgive my credit card debt. Again, they breached a contract; sold my debt to an anonymous entity and claimed a loss on their taxes. 
V. Since this bank feels it does not have to obey banking regulations, I will contact the IRS to report this breach of IRS Law. With Wells Fargo Banks unscrupulous history of credit card fraud, I am sure the government would welcome an expansive tax audit
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2022 I was asked by a friend to cash her Social Security check. The check was in the amount of {$750.00}. I had her sign check over and went to my local branch and deposited check into ATM as I do with all my deposits. The check was not made available ( did not clear ) for 7 days. Once cleared I withdrew cash and gave to my friend. 

on XX/XX/XXXX I called to check my balance and my account was negative over {$750.00}. I called the bank to see what happened and I was informed that this check was previously cashed by another bank and they had deducted funds from my account to cover. I immediately grabbed my friend and visited the branch office to speak with a manager. There was none on duty, however, the tellers proceeded to tell me this was my problem and nothing I could do. I asked for a copy of the cancelled check which I was given. On the back of this check there is no other evidence of a prior cashing activity. I was given the name of a XXXX bank that was the entity that cashed the check prior, but no further information was given. Since then I have spoken to a branch manager over the phone, and visited three different branch locations to attempt to get help with this issue. I was treated poorly and consistently told there was nothing I could do. 
I then decided to research the federal reserve laws on line and came across a law put into affect to aide in disputes from mobile and ATM deposits called the Check XXXX XXXX. this states that the initial bank did not make " known '' the check was cashed, therefore, they would be responsible for the duplicate cashing not me. I brought this to the attention of my bank and I was told to get a lawyer. I am not rich, can not afford a lawyer. My account remains negative for 24 days while I have tried to resolve this issue. I have incurred bounced checks and fees from my creditors as well as the through my bank itself. They are now proceeding with collections and collections calls. I have no information to report fraud, or make claim with police because no one will tell me anything. I would like all of my money back including all fees both with in account and from my creditors charging me bounced check fees. 

In my experience an check put on hold for 7 days is so it can be investigated that it is ; 1. a good check. 2. Has the funds available to pay!! Once it is " cleared '' it should be all set. Three months later with no prior notice, all of a sudden there's an issue. My bank could have taken a year to clear this check if they needed to. Once clear the customer ( me ) should be able to use those funds with out fear of later recourse and all because of technology and mobile deposits and ATM deposits. If the checks can not be verified they should not be accepted in this manner!!!! Please HELP ME!
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX I went into a PNC branch in XXXX XXXXXXXX, PA to get a personal loan for debt consolidation. I personally was denied, which I expected, and due to the loan being a co-borrower loan, was told to come back with them and redo the application. 

When I came back I got a different employee and was told that there is no difference between a co-signer and a co-borrower loan. 

Because in this employee and branch managers mind, that there is no difference between these terms, they dont enter the information in in the correct order for their system. 

The first employee knew I needed to go second on the application ( EVEN THOUGH THIS IS A JOINT CREDIT APPLICATION for monthly responsibilities not just co-signed in case of default ) because PNC advises in this branch at least, there is no difference between these types of loans, which is factually not true, the application needs to be structured like a co-signer loan with the bad credit last. 

So a lack of basic financial knowledge from employees and the branch manager is causing people to not get loans they qualify for, and teaching uneducated consumers dangerous financial lies that there is no difference between co-signer and co-borrower. 

I dont care thst I didnt get the loan, its PNCs loss, but after being denied the loan due to them not understanding their system and basic financial terms they then suggested that Im pre-selected for a credit card while Im there for debt consolidation. 

So I question the intent of the denial and the legality of giving false financial advise as an accredited financial institution. 

Theyre structuring an application under one set of rules and handing you paperwork for another to mitigate their loan risks.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

I lease a XXXX through Kia Motors Finance. I have always paid on time without issue. I am enrolled in auto-pay for my bills with electronic statements so I don't need to give my payments much thought. In XX/XX/2020, unbeknownst to me, Kia included a charge for " property tax fees '' in the amount of {$280.00} on my statement. Kia never sent me an email about this. Kia never sent me a letter about this additional charge. Kia never left me a voicemail about this additional charge. My monthly auto-pay continued each month. I never heard a word from Kia. 

Due to the pandemic, I had changed residences temporarily. My mail was being forwarded to another location while I was living at a different residence. Thus, my mail was delayed. On XX/XX/2020, I finally received a letter from Kia, dated on XX/XX/XXXX, that I owed property taxes on the vehicle. I immediately paid the amount owed as this was the first time I had learned of it. In fact, I paid the property taxes, and I paid for an extra month inadvertently. Thus, Kia owes me {$170.00} currently. 

Kia never informed that I owed this money until the account was already severely delinquent. They are required to notify me of my debt and make a good faith effort to collect the money. They never did this and merely reported me unfairly to the credit bureaus. 

The money I owed Kia was not even for the car payments. It was for taxes owed on the car. This is something that is outside the contract. The account was not actually delinquent. As you can see in the payment history, all my payments were made each month. I was never charged a late fee. These were for property taxes. I can not be reported to a credit bureau for late payment of property taxes. 

As a result of this, my credit has been severely damaged,. I am in the process of trying to purchase a home, and this will cost me thousands of dollars,. My once pristine credit has been destroyed. I gladly would have paid this debt on time if Kia had just picked up the phone and called me. I gladly would have paid this debt on time if Kia had just sent me an actual letter in the mail notifying me. Because I was set to auto-pay, I don't look at my statements. I continued to make payments regularly on the account without knowing there was this additional fee. 

It is unconscionable that Kia would destroy someone's life and credit over {$280.00} in the middle of a pandemic. I had the money to pay {$280.00}. I don't have the thousands of dollars it will now cost me for a subpar mortgage due to the damage that has been done to my credit. 

Please, I am begging Kia, to remove the delinquency from my credit report. You never notified me about the debt. If you had just left me one voicemail or sent one letter before reporting me as delinquent, I would have paid. I have been a reliable customer, always paying my bills on time. The only reason I didn't pay this fee is because I didn't know about it. 

Please help me.
Consumer complaint received 2022-06-24
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. (AZ)

I requested the removal of account to be removed from my report. I disputed XXXX XXXX the accounts are reporting incorrectly and the servicer transferred account to another servicer. XX/XX/XXXX Equifax complete4d investigation stating the account is accurate and will not be removing. XX/XX/XXXX I called Equifax to discuss all accounts with US Department of Education that needed to be deleted. I called US Department of education before calling Equifax and they sated they sent letter stating to delete all accounts. I requested the letter and put it in a dispute on Equifax to submit proof XX/XX/XXXX after talking to Equifax representative that stated they were not on my report and maybe my home lender has not requested a new report. XX/XX/XXXX checked my Equifax report and noticed the XXXX accounts remained on report and my lender confirmed that there was no changes. I called Equifax and the representative said the later states one account and it clearly say all loans with US department of Education. The employee refused to assist me in the matter and I requested a manger. The manger refused to acknowledge my request and as well as the letter and said nothing could be done. I later received a notification there was a dispute submitted. which I never requested a dispute and theses accounts should have been deleted from the XXXX dispute. They are hindering my report and keeping from buying a home.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (FL)

XXXX XXXX made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. XXXX XXXX received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

On or around the second week of XXXX I went to agency in question with the total sum amount, intent on finalizing transaction. I however was convinced on continued installments, not wanting to make a fuss of the matter for I was recently widowed with a slew of health concerns coupled with my senior citizen status. I just wanted the best outcome, I felt overwhelmed so I acquiesced to their coercion. In hindsight I realize my actions were quite erroneous because now present day they are employing predatory practices
Consumer complaint received 2022-06-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Got pre approval for mortgage in XXXX XXXXWent under contract with new build in XXXX. Builder required commitment letter within 30 days. Fifth third never provided it. Close date on home expected in XX/XX/XXXX th 2022. It is now 1 week before closing and still no commitment letter from fifth third. They only look at case once a week and request additional info every Friday. I promptly provide info requested within 24-48 business hrs and they take another week to look it over and come back with additional info requested. I am now 1 week from closing, and builder is unwilling to push back closing date. I will lose the house, with no place to go. I am out {$16000.00} deposit to the builder in addition to application and appraisal fees fifth third has charged. I escalated issue to managers and supervisors, they are non responsive. Worse experience of my life. I bought a house years ago and never went through such a horrific experience. They are the worse. Worse of all lawyers wont take the case since even though they believe in my case simply because its not worth it to them. Something should be done about this
Consumer complaint received 2022-06-24
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. (AR)

While reporting these accounts, the reporting companies are violating my rights according to the Fair Credit Reporting Act. My federally protected rights to privacy and confidentiality have been violated by reporting agencies according to 15 U S Code 1681.My rights have also been violated by the lender because they never gave me the option to opt out of this information being reported. 15 U S Code 6802 clearly state that any financial institution that share information with third party affiliates are required to give the consumer an option to opt out of their information being reported. That option was never giving to me. 15 U S Code also states I have a right to privacy, and going on to say that reporting agencies can not furnish reports without my consent. I have tried time after time to dispute these items but the continue to be reported by two consumer reporting agencies. 
Account # XXXX US DEPT OF EDXXXX Amount {$44000.00}
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

On XX/XX/2022 my cell phone stopped working and XXXX admitted I was a victim of XXXX card swap. This is where Coinbase comes in. I followed proper security measures with all passwords on my Coinbase account. Due to Coinbase negligence someone stole all my funds ( {$5600.00} ) in my Coinbase account. I filed a complaint with Coinbase ( XXXX ) and they said they can do nothing about it. I filed a police report ( XXXX ) and they said to go after the company who stole the funds. I just want to be reimbursed for the stolen money. It's a lot of money when you trust passwords to work and they don't. There is no security anymore especially with Coinbase.
Consumer complaint received 2022-06-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

This is NOT a duplicate to complaint # XXXX In XX/XX/2015, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, and servicer to me since XX/XX/2015, was placed under supervisory restrictions by the XXXX referenced by XXXX # XXXX XXXX # XXXX and # XXXX. 

XXXX XXXX made financial profits at my expense and to my detriment, when they should never had been in business with me ( sppecifically servicing a mortgage ). 

Reference XXXX  ID # MIN : XXXX Note Date : XX/XX/2015 XXXX  Status : Inactive Servicer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, KY Investor : XXXX XXXX XXXX specific restrictions outlined below and a copy of the order from XXXX is attached to this complaint for reference : ( 1 ) no execution of new contracts or the amendment or renewal of existing contracts beyond current loan volume specified in existing contracts for the acquisition, by the Bank, of residential mortgage servicing, residential mortgage servicing rights, residential mortgage loans with servicing, or residential mortgage origination business entities without prior XXXX supervisory non-objection until termination of the Consent Order ( this does not apply to originations or refinancings by the Bank, contracts for new residential mortgage loans through the Banks broker or correspondent channels, or other contractual relationships where the Bank does not ultimately service the loans, and this is not intended to disrupt any of the Banks existing residential mortgage servicing related contracts ) ; ( 2 ) no execution of new contracts for the Bank to perform residential mortgage servicing for other parties without prior XXXX  supervisory non-objection until termination of the Consent Order ; ( 3 ) no residential mortgage servicing related activities may be outsourced or sub-serviced to other parties without prior XXXX  supervisory non-objection until termination of the Consent Order ( this is not intended to disrupt any of the Banks existing residential mortgage servicing related contracts, outsourced activities, or obligations pursuant to legal settlement, nor prohibit new contracts to outsource activities that are currently outsourced ) ; ( 4 ) no new off-shoring of residential mortgage servicing related activities without prior XXXX  supervisory non-objection until termination of the Consent Order ; and ( 5 ) no new appointments of senior officers who have responsibility for residential mortgage servicing, residential mortgage servicing operations, residential mortgage servicing risk management, and residential mortgage servicing compliance without prior XXXX supervisory non-objection until termination of the Consent
Consumer complaint received 2022-06-24
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. (VA)

On XX/XX/XXXX my XXXX Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX removing a remark. XXXX XXXX Bank was also included in my XXXX XXXX XXXX as of XX/XX/XXXX. This account is also over 7 years old and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all XXXX of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX bankruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action ASAP.
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.