davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (IN)

XX/XX/2024 I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana inquiring was it their method of reporting bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MN)

Coinbase ( Financial Institution for Crypto Trading Platform ) has the ability to link bank accounts for quick, easy transfer of cash to and from a customer 's bank account and Coinbase. Coinbase previously has my joint account linked for years- no problem. Cash to and from was fine and trading was fine. I tried to link a new joint account of mine and my husbands to Coinbase to continue trading but Coinbase exclusively used the XXXX app to verify bank accounts. After XXXX would not link I contacted Coinbase directly. Coinbase requested documentation- bank statements and checks to verify that I am a joint owner on the account. Coinbase reviewed and agreed that I am an owner to conduct business with the bank account. However, Coinbase refuses to link the accounts saying that they " can not verify '' my account as I am a joint owner and not the first XXXX listed. Under XXXX rules, I am a joint account owner can conduct business with a bank account. I notified them of this error and they still refuse to allow me to utilize my bank account. I am filing this complaint with the CFPB for a change of business practices with Coinbase ( and possibly XXXX for that matter ) and notify of potential discriminatory behavior.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (FL)

Today, Wed XX/XX/2024, I went to a citibank XXXX to order a cashier 's check in the amount for {$48000.00} to pay for a car I bought. I provided my ID and went through all the verification process they asked me to, including receiving a pin to confirm my email and another with my phone number. the agency asked me to call customer service to do the verification again, which I did from the agency. After almost an hour, the bank refused to issue to cashiers check, claiming security concerns. Yesterday, Tuesday XX/XX/XXXX I funded the account by transfering {$50000.00} from one of my other accounts and the money is in the account, however I'm unable to access it. I was able to talk to the dealer and I wrote a personal check instead of the cashier 's check. I called customer service twice to ensure the cash would be paid and to my surprise the representative said the check would not be paid and I'm unable to even withdraw cash on an ATM. 

This is my money, that I won through honest and hard work and by making investments on the stock market. A bank should not have the right to sequester my money and not give me an explanation on why they are doing this. This account also has my paycheck direct deposit, which means any money that gets into the account is unaccessible to me and I won't be able to cover my living expenses, and I won't be able to change the direct deposit for the next XXXX weeks. Their customer services representative were not helpful, and at the agency one of the employees said the bank has the right to withold my money and not explain why, which if it is true makes me wonder how and why we trust the banking system. I'm now having concerns that Citibank is facing liquidity issues and is trying to avoid withdraws. They are saying a response from their teams will take between 24 to 48 hours, which doesn't assure I will have access to my money.
Consumer complaint received 2024-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

I was alerted by XXXX that I had a received a negative mark due to a debt collector named Phoenix financial services, assigning a debt to me. I spoke to a phone rep from experience who let me know some general information. Representative let me know I would need to contact Phoenix Financial Services as they would decide if debt was valid. I asked what kind of debt it was and they told me it was a medical procedure. 
I then spoke to a phone representative from Phoenix financial services, and she seemed very sympathetic to my cause. She noted that there mustve been an error as the address of the debtor was different than mine his name is XXXX XXXX mine is XXXX XXXX and we share the same birthday I later found out. I was told to wait 30 days to see what final decision would be rendered. I received a letter from XXXX that Phoenix financial services had verified that the debt was mine, even though what they said over the phone to me was the exact opposite. I can provide verification from my employer that the date of the service rendered I was at work in a different city. It seems they are lazy and not doing due diligence in collecting debt from actual debtors.
Consumer complaint received 2018-11-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ladera Lending, Inc (WA)

In the beginning of XXXX we inquired about a home equity loan from Ladera Lending. The loan was changed to a refinance and a previous lien on our property was discussed due to a commercial loan for our family company. The loan proceeded without any future conversations about the lien, only noting that it would need to be paid off first. However, after we received the appraisal, the loan was changed, my business debt was added to the loan ( against my request and better judgement ) and the commercial loan with the lien was removed from the refinance list. Still the process continued and we signed closing documents on XX/XX/2018, with a contract that the loan would be funded on XX/XX/2018. However, late XX/XX/2018, we were contacted about the commercial loan with the lien and a denial of knowlege about it. Next, we were asked to contact the company for the commercial loan to ask them to temporarily remove the lien so the refinance would be in the first position but that company 's policy is to file paperwork for subordination. The refinance company said that they couldn't do that, FHA wouldn't allow for it. After several personal and Ladera Lending attempts and conversations with the commercial loan company, over a period of now more than three weeks, the lien is still there and the loan has not been funded. No paperwork for the lien to be removed was ever filed or proper procedure for that to happen was followed. Meanwhile, we were asked to stop automatic payments and not to send in XXXX payments on our mortgage, auto loans, and all credit cards ( including business credit cards ) as they were to be paid with the refinance. We did everything asked of us but now we are being contacted constantly by credit companies, our mortgage is late ( for the first time ever, ) as well as our auto loans. Not to mention the detriment this has caused to my company. A serious payroll delay, 3rd quarter L & I payment, insurance, utilities, and lease payments are among the damages I have been facing during this situation. If the loan will not be funded, we would like to seek restitution for the damage that this situation has caused, including letters to credit bureaus taking responsibility for the late payments. As well as, any legal fees required to resolve this matter. This did not only impact our family personally but also the reputation of a company and business owner.
Consumer complaint received 2019-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (NY)

I tried to get all credit bureau to get those collections agencies to verify that I owe the debt multiple times, by having those collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. 

Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

What is their authorization of law for their collection of information? 

What is their authorization of law for of their collection of this alleged debt? 

Please evidence their authorization to do business or operate in the state of New York. 

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies.
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP (OH)

On or about XX/XX/XXXX I called US bank line of credit to know why I can not borrow from the line of credit, even though the line of credit showing {$1500.00} of credit line. The associate I was on the call with, confirmed US bank is accepting only payments from me. borrowing option is closed. After the call, around tow or three business days the account was reflecting what the associate was saying, {$0.00} available to borrow. So this appears US bank actually closed my account without letting me know. US bank used to say in the Ad, that they are the most ethical bank. Well, this is unethical and deceiving if you did not let me use the account and accruing interest and fees at the same time. I believe it is because of no financial institution can charge or add interest on a officially closed account. Also talked about a one time {$20.00} fee amnesty. The associate assured it would be reflecting within 48hours, which never happened. This is unethical. Thanks.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I used my Capital One account to receive around XXXX of money from my friends because I needed money to pay for my credit card and I sold some of my jewelry and shoes to them. 
on XXXX, Capital One restricted my account from any withdrawals. I tried to call the number they provided and they told me that it was because I used my account to do business with XXXX, which violated their definition of personal XXXX usage. I questioned that receiving money for used items was not defined as a business by the IRS nor XXXX, and Capital One told me that they'll review my account and probably close my account and give my money back by check. 
It has been 6 weeks and Capital One still hasn't returned my balance on my checking. 
The case reference number provided is XXXX.
Consumer complaint received 2024-01-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SC)

I received this card as a gift on XXXX. I activated this car on XX/XX/XXXX and tried to use it on XXXX XXXX and XXXX. the card says it is declined and to contact the card user despite me not using the card and entering the correct information. I contacted American Express and they said to give it XXXX hours after activation and it should work. It has been XXXX hours and it still does not work. No online location will take this card not XXXX XXXX, XXXX, XXXX, or XXXX.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank of America tons of phone calls went into the branch to fax necessary paperwork to submit a claim reg a check to XXXX .they did the check electronicly and then ran it as a paper check. I was not aware until I looked at my acct. Dated on XX/XX/2018.bank gave me tenp credit and then removed it 0n XX/XX/XXXX. I had faxed sent to the bank the required affidavit they needed.truly been a nightmare. Nothing is being done .they keep lieing to me over and over again. I need some help with this asap please. I had the branch managers doing it for me. They claimed they never received it. Also constantly being told wrong info and sent to wrong depts over and over again. I need this credit of XXXX plus any additional fees to be credited back to my account. Even being hung up and disconnected all the time. Really getting sick of this. Service is horrible.very disappointed.of Bank of America. I even had to overdraw my acct to get access to funds.etc.
Consumer complaint received 2024-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AZ)

I recently reviewed my escrow analysis for this year and I found 2 payments one made XX/XX/2023 for hazard insurance and XX/XX/2034 additional hazard but the name was XXXX XXXX  for the amount {$4000.00}. I reached out to freedom mortgage insurance and I stated I dont acknowledge this payment nor approve it. Since my home is a single family property. I asked for Breakdowns of what this has covered and time frame since this is a large amount of money. The gentleman declined to send me any documentation. He stated this how they coded the property as a condo but we its not! 

Also the gentleman reached out to homesite for past policy information and which he found was this policy was paid late by freedom mortgage and the insurance company had canceled the insurance policy. ( On their recorded line I must say ) Which I had no acknowledgment or this would have not been taken so long resolve. Until recently as XXXX I received a letter stating we did not have proper insurance coverage for the property and needed to update the policy. Which I did so and is current.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (PA)

I HAVE RECEIVED AN UNAUTHORIZED XXXX TRANSACTION IN MY WELLS FARGO ACCOUNT. REPORTED IT RIGHT AWAY, ASKED THE BANK TO CANCEL THE TRANSACTION AND REFUND THE SENDER BUT IT CLAIMS THAT DUE TO MY MY ACCOUNT BEING OVERDRAFTED, THERE WERE NO SUFFICENT FUNDS TO REVERSE TRANSACTION. WHICH IS LAWFULLY ILLEGAL TO MY KNOWLEDGE. 

I NEED THE BUREAU TO HELP M
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I am trying to close my XXXX 's trust account at Wells Fargo. I have spent over twenty five hours and mutiple appointments trying to complete this process. I have had appointments at Wells Fargo XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filled out mutiple forms that were notarized and given excuses and reason why the account could not be closed each time with promises to call me. They never call I always have to go see them in person. This is an insane process to close an account that most Americans would not be able to handle. Wells Fargo is taking advantage of my time and patience to close this account. I see no reason for them not to close this account for the beneficaries of my XXXX XXXX trust except to earn interest of the interest free checking account. Please make them explain how normal Americans would deal with the process I have been put through.
Consumer complaint received 2024-01-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I received a prepaid Amex gift card. I cant use it to make purchases anywhere. They keep getting declined. Ive tried six different stores. I reached out to the company for help and could not speak to a live person. I was able to find one store that accepted it. I went back to that store to use it again and they tried four times to get this card to work. So ten different times this card has been getting declined. Ive seen on social media that others are having this issue. My balance on the card is {$93.00}. I just want to be able to use it or get a cash equivalent. Its a lot of money to my family.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (NY)

in accordance with the fair credit reporting act this creditor ( BEST EGG ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

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
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I closed my account in XX/XX/2023. I payed everything in full as stated in the statement balance XXXX XXXX XXXX  and XXXX. Then in XX/XX/2023 I was charged an interest charge of XXXX XXXX XXXX and XXXX  and also charged a late fee of XXXX XXXX  in XXXX. I called and asked why?? I let them know that I have never had this problem before. They can go back and check my account ; I have excellent payment status. I am being XXXX! nothing was done. They said it could not be fixed and that I had to pay regardless!
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: STATE EMPLOYEES CREDIT UNION (NC)

I work for a company that participate in 1 day early direct deposit. On XX/XX/23 I awake to 18 over draft fees. I contact the bank by phone but due to weekend, I was advised to go into bank to discuss. I when to bank on XX/XX/23 and was advised that there wasn't nothing that they can do to help. And I needed to be mindful of my spending. I when again on XX/XX/23 because I received another overdraft fee and also informed that my account of 13 years has been closed due to the overdraft fees. I was advised on XX/XX/23 after being at the bank for 2 hours that all my overdrafts was for items that was posted on XX/XX/23. I explained that my regular pay date is XX/XX/23. My check was available on XX/XX/23, so I don't understand by I received all the overdrafts. Due to all the overdraft fees, all my credits payment didn't go through, which has cause late fees and over the limit balances.
Consumer complaint received 2024-04-18
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. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX  complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the XXXX complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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: AMERICAN EXPRESS COMPANY (NY)

I asked XXXX to investigate the negative account with American Express and provide a copy of a contract that I agreed to do business personally with them but they have failed XXXX  to provide such information. 
They have not responded provided any details of their investigation and they just update the XXXX  information. 
This is causing me tremendous harm as I XXXX  not able to get a XXXX loan which is much needed at this time.
Consumer complaint received 2023-06-12
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. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX