davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

Back in XXXX of XXXX I opened a checking and savings account with Wells Fargo and I ended up moving and I changed my address on the app and they ended up closing my account because of the address change. I was able to open up another account later at the end of the year of XXXX and I was with Wells Fargo until XXXX of XXXX. During the month of XXXX and XXXX of XXXX I was ordering packages from XXXX for back to school and most of my packages were stolen from my doorstep to my condo. During this time I reached out to XXXX and they told me it was to many packages reported stolen and XXXX was giving me a hard time getting my money back because of how many packages and the value. I reached out to Wells Fargo as them being my financial institution to step in and obtain my funds back for packages I did not receive. Wells Fargo submitted a claim on my behalf that were approved even after the account was closed. I received a check in the mail for the claims that were approved. However I have been trying to reestablish my bank history with them but I have been denied. I have gone into the branch and was instructed to call the frauds department and they told me that my banking with them has been terminated but I read the handbook and I didnt violate any of the rules so I dont know why my account was closed and why my banking relationship was ended my accounts were not negative when they closed them.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

LoanCare LLC is reporting some lates payments for 2024 I ask they please remove. I had this account with my ex wife. However, when the divorce was settled she took over the mortgage and it was in the decree she would be responsible for payments moving forward. I was no longer allowed in the account and stopped receiving communication from Loancare but continued to help with the mortgage and was making the payments to her so she could make sure the mortgage was being paid. However, I recently went into my loan officers office to inquire about obtaining my own home and was told that this account had several late payments. I was confused because I was unaware. This is not my fault and didn't even know that after this divorce this would continue to report on my file.
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

Loss Mitigation packet was sent to XXXXXXXX XXXX XXXX ( your attorney ) on XX/XX/year>. 

Also tried to send you message on your website regarding the Los Mitigation package and also tried to upload the package on your message section as well. 

Lots of call has been made to the customer service but to no avail, no one is picking up the phone, I have left multiple voicemails but no one called back. 

I need to know the next step in Loss Mitigation. 

I have been trying to reach someone but to no avail. 

I have been going through really tough time right now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (AZ)

VALIDATION AND CEASE AND DESIST Collection agency name : National Credit Systems Address : XXXX XXXX XXXX XXXX GA XXXX Account number : XXXX Your Name : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX AZ XXXX Dear National Credit Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 





Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 




Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX {$6000.00} dollars was removed to a XXXX XXXX account. I have filed a police report and called Usaa repeatedly. I was told over and over even though I presented evidence that the mo day was not taken by me but was removed due to fraud. I followed everything I was told to do. I was repeatedly told that I was at fault. I was not given hardly any information and I called up XXXX and XXXX and was told it was fraudulent but Usaa would not listen to any of this and I was finally told by a XXXX that I needed to stop calling and it was final.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC ()

Servicer regularly applies payments later than they should. This happens almost every month. Example, they received the payment due for XX/XX/year> on XX/XX/year> and deposited the funds into a " suspense '' account. Now, today XX/XX/year>, the website says we are " past due '' for our payment. We called the servicer, and they said they will apply the payment to XXXX sometime between the XXXX and XXXX, and that we shouldn't worry because we are still in our grace period. We explained they have had our money since XX/XX/year> and have an obligation to apply the payment effective XX/XX/year> ( or the first business day thereafter ). Their customer service rep on the phone argued as long as it is applied before the late fee, they are okay. We disagreed and then she read language from the note, which did not support her position, but then she said it did. We asked for a supervisor, she put us on hold, came back to the call, and then just repeated all the same arguments. We let her know we would file a complaint with your organization. We want all payments they receive on or before the XXXX of the month to be applied effective the first of the month, not within the first 10 days of the month on a day of their choosing.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Altisource Portfolio Solutions, S.à r.l. (TX)

In XXXX of XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX. I had already secured my credit and financing prior to buying from XXXX XXXX. The salesman, XXXX XXXX asked if he could try and get me a better interest rate. I told him that I already had my financing secured and did not want another inquiry on my credit. I made the deal and left. When I begin to monitor my report, I see that they ran my credit specifically after I told them not to.
Consumer complaint received 2023-04-23
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. (SC)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX has violated my rights.

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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 2024-08-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

Opened no penalty CD a few months ago with Marcus by Goldman Sachs. 
XX/XX/XXXX, asked to close the account and return the funds to the XXXX XXXX XXXX account from which the funds originated. I was told it would take 1-3 business days. 
XX/XX/XXXX, receive email that the account was closed. 
No funds were deposited into my XXXX  XXXX XXXX account. 
XX/XX/XXXX, I called Marcus by GS and they said everything was fine and the funds would be deposited into the XXXX XXXX XXXX account immediately. 
XX/XX/XXXX, Funds were not deposited into XXXX XXXX XXXX account. Called Marcus by GS and they said that the funds were rejected by XXXX XXXX XXXX and now back in the closed account. I called XXXX XXXX XXXX  and they said that no one had attempted to make a deposit on that account and the account was unrestricted. Called Marcus by GS and they said there would now need to be a 7 day hold. Supervisor later said that a 7 day hold was not necessary. Funds would be sent right away. They claimed that it was " security issue '' with my husband. Husband gave the necessary information. 
XX/XX/XXXX, asked for my husband 's security information again. Still no funds in XXXX XXXX XXXX account. Called Marcus by GS and they said that it is in queue. I asked what that meant. They said that the account needs to be manually closed, and that we won't get the funds until sometime in XXXX. 
This is materially interfering with our ability to purchase a residence. 
Similar complaints are here : XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: The Wirbicki Law Group LLC (IL)

To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Intake Division - XXXX In Response to XXXXXXXX XXXX XXXXXXXX Complaint This case stems from when the XXXX XXXX XXXX XXXX XXXXXXXX, through their attorneys at XXXX XXXX XXXX XXXX, sold the same property via foreclosure to XXXX parties.XXXX  XXXX, who soon afterwards became our client, purchased the property the second time from a Foreclosure auction
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have made multiple efforts to request validation documentation regarding a debt listed on my credit report. I have requested the name and address of the original creditor ; the amount of the alleged debt, an itemized list of charges that resulted in the alleged balance ; the last billing statement from the original creditor ; the purchase agreement associated with the alleged debt ; validation of the statute of limitations ; and authorization to collect the debt. I have received none of the requested information to date.
Consumer complaint received 2024-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VT)

Filed an in-school deferment form. Called on XXXX separate occasions ( once initially to confirm form had be received electronically ( They confirmed upload function on the portal is broken, so I can't upload. Called the second time to confirm the mailed-in copy had been received. This was confirmed, and customer rep said they needed 14 days to process form. The third time was to inquire about why loans hadn't been placed on hold despite being outside the 14-day processing window. EdFinancial said the form was " expired '' without any elucidation and I'm unsure what about the form was expired since I sent it in and was just waiting for it to process. 

They recommended to re-send in the form. By this time, it has been 21 days since I initially submitted. The e-bill was sent 21 days ago and is due in ~4-5 business days. The timeline is horribly inefficient and leaves student borrowers hanging. 

XXXX. Please tell your student borrowers when a form is rejected or expired so we can know what to fix on our end ASAP. 
XXXX. Train your customer representatives to stop circumventing. Mine initially told me they didn't receive the form. Upon further questioning, they then changed their story to " the form is expired ''
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (CT)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Optimum First, Inc. (CA)

On XX/XX/year>, we started the refinancing application with XXXX XXXX XXXX for a rate of XXXX XXXX which was very good at that time. On XX/XX/year> we had finished e-signing all the papers and on the following days we received the disclosures and the loan estimate. On XX/XX/year>, we paid the appraisal of {$800.00} which confirmed the value of the house. The loan XXXX, XXXX XXXX, assured us that everything is moving along as planned. On XX/XX/year>, the same loan officer emailed me that our loan was denied, the reason being that he miscalculated my income when the loan was offered, so I would not have qualified for it. 

I requested a full refund of our appraisal since there was no fault or mistake on my side. Our financial landscape had not changed between the time we signed the loan estimate and the time the loan was rejected. The lender never refunded my appraisal. The lender should have never pursued the loan and make me pay for appraisal if I didn't qualify. Moreover, during the back and forth email discussion with the loan officer, I repeatedly emphasized the particularities of my financial situation and asked for confirmation multiple times that everything is acceptable. I can make the email conversation available if needed. 

I believe there might have been an illicit intention of attracting prospective homeowners into refinancing at a time when the interest rates were at historic lows, in order to extract money from the appraisals which might have been shared between the loan officer or loan company and the appraiser, without an honest intention of approving the loan. Considering my open and proactive approach in assuring the loan was ok, there is nothing I could have done to prevent this situation, therefore I believe they had set a trap using predatory lending practices which are illegal.
Consumer complaint received 2024-08-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (IL)

I am writing to formally complain about the actions of Persolve Legal Group, LLC concerning an alleged debt they claim I owe. Despite multiple requests for validation, Persolve Legal Group, LLC has failed to provide the necessary information as required by 12 CFR 1006.34 ( b ) ( 5 ). Moreover, they have improperly placed a collection entry on my credit report without adhering to the required procedures. I am particularly concerned about the following violations : Failure to Validate Debt : Persolve Legal Group, LLC has not provided validation of the debt as required by law, which includes details about the original creditor and account number. Failure to Afford Dispute Opportunity : I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Violation of Reporting Requirements : They have reported this debt to consumer reporting agencies without fulfilling their disclosure obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). I am requesting that you take the following actions : Immediate Removal of the Collection Entry : Ensure that the incorrect collection entry by Persolve Legal Group, LLC is removed from my credit report. Cease All Communications : Direct Persolve Legal Group, LLC to cease all forms of communication with me, including email, text messages, and phone calls, as I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to revoke these methods of communication. Provide Proof of Compliance : Require Persolve Legal Group, LLC to provide : Validation of the debt, including details of the original creditor, account number, and supporting documentation. The purchase agreement with XXXX XXXX XXXX and any related documentation showing that Persolve Legal Group, LLC had the authority to report this debt. Proof of licensing and bonding to operate as a debt collector. A certified mail receipt proving that I received proper notification regarding this debt. I did not receive the necessary communication or validation and dispute opportunities, so it is crucial that this collection entry be promptly removed from my credit report. Thank you for your immediate attention to this matter. I trust that you will ensure this complaint is addressed promptly and that appropriate actions are taken to rectify these violations.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. ()

Dear user you have an available balance of {$50000.00} but you're unable to withdraw these funds due to account ineligibility your Coinbase account isn't up to 6months and above your minimum deposit was meant to be {$100.00} and maximum {$10000.00} but {$50000.00} was deposited all at once you'd run an account bypass/upgrade so your account could be upgraded .the XXXX deposited in your wallet isn't disissue once your account is upgraded your usdt would be available for instant withdrawal OK so I understand it as the following..

1. I need to pay {$850.00} to unlock my account.

2. Then I need to buy XXXX  to transfer my money out of coin base. 

3. u have no access to my wallet 4. There is no way I can move my money to coinbase for trading.

5. That money can be in there for 6 months and I will still need to pay the {$850.00} Are all the stamemts correct You need just XXXX
Consumer complaint received 2024-08-02
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. (VA)

I have told Experian a dozen times that they are not listing a CD account at XXXX XXXX XXXX XXXX that now has over {$80000.00} in it. They have access to all the accounts at XXXX with the user name and password that I have provided. They have also lowered my XXXX score for no reason.