davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXXXXXX Balance : {$1600.00} This complaint will be a follow-up to notify you to fix the listed accounts immediately.
Consumer complaint received 2023-03-10
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: NAVY FEDERAL CREDIT UNION (TN)

I have reached out and filed a dispute in reference to the incorrect items on my credit report. It has surpassed the 30 days and I haven't received any investigation results.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/, I filed a case with PayPal Credit ( Dispute : XXXX ) due to the item ( glasses frames ) I received being fraudulent and a fake. When I went to contact the seller about the item, there was no option for this to be handled nor a way to communicate that the item was not real. The seller took well over a month to get the item to me and due to delays with XXXX XXXX I wasn't able to finally start using my glasses until late XXXX. I filed my claim with PayPal Credit and they stated I needed to get them additional information but I had no information to give them. I showed them screenshots that there was no option for me communicate with the seller and that the frames were showing degradation ( which should not be happening when worn for less than a week ). I don't know what more I could have supplied PayPal when they requested more information. In the end, PayPal denied my claim stating : " We have reviewed this transaction ( s ) and are denying your case ( s ). The decision was made because we did not receive a response from you with supporting details for the case. '' I gave all the details in the initial complaint to them and had nothing additional to offer.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (MD)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
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
Consumer complaint received 2023-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

Speedy cash is a predatory lender that added in extra fees and only applied payment to interests. I should have never been able to receive a loan. 

Company refused to allow early payment and continued to add interest once I requested to close the account.
Consumer complaint received 2023-06-09
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. (PR)

I received my credit report on XX/XX/XXXX XXXX and noticed there were hard inquiries that don't have permissible propose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681 B. I have also attached the inquiries that don't have no purpose to be on my credit report.
Consumer complaint received 2023-05-22
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE ONLY BEEN ASSOCIATED WITH ONE ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

I did a letter on XXXX and sent it on XXXX to Equifax tracking # XXXX, XXXX  tracking # XXXX, XXXX tracking # XXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I have received three phone calls now from representatives from XXXX XXXX XXXXXXXX. The calls all start the same where the claim to be calling on behalf of a medical provider I have never heard of. When I ask them for details they provide none. They then tell me the balance is something like {$1500.00}. I tell them there is no way I owe a random medical provider I have never seen {$1500.00}. They then tell me that is actually a different amount. Then they back pedal and try to talk in circles to confuse me and start bringing up other medical providers that have nothing to do with the medical provider they initially said they were calling on behalf of. I explain that this seems wrong and unethical and request a call back from management as I feel as though they are misrepresenting themselves intentionally. Im told management will call me back, they never do. I've asked them to provide documentation showing who the provider is, the alleged date of service, a detailed list of services and charges, and proof that they are authorized to collect on behalf of the provider and that they are licensed to do so. I am assured this will be sent, it's never been sent. Its been months of this. 

On the most recent call, last week, we went through all of the above but the agent on the phone proceeded to provide some details, but the details also made no sense. She brought up a doctor I havent seen since XXXX, and who has been retired since XXXX, saying the date of service was XXXX XXXX XXXXXXXX. She then brought up other dates that I wasn't even in the country for. Brought up insurance I didnt have. And then tried to collect {$1500.00} for a provider that I have never seen or heard of in my life, and then when pressed on the total changed the narrative that she was actually calling for someone else. 

XXXX XXXX XXXXXXXX is intentionally misrepresenting themselves in an effort to trick and deceive consumers.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Send money through money gram to a person that ended up being a scammer. 
XXXX XXXX took over {$50000.00} dollars over 5 year period through various names and locations
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

Hello, As of XX/XX/2024 I no longer have access to XXXX ETH and XXXX USDT which are my assets in the Coinbase Wallet. I changed my XXXX taking necessary backup of the phone itself but never understood that the Coinbase Wallet would need a separate back up of 12 seed phrases. I never used them as I created my wallet recently and only had access through the bio-metrics of XXXX. In fact never knew about 12 phrases. Coinbase support told me I no longer have access to my XXXX usd! 
I believe that Coinbase Wallet should compensate me or help access my assets. 
XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CT)

BILLING ISSUE ( 1 ) The TOTAL BALANCE and MINIMUM PAYMENT DUE amounts displayed on my ONLINE statement are different than the amounts shown on the HARDCOPY statement. This financial and system error was experienced ( notice ) by the customer once or twice in 2023. However, when I addressed the issue the CSR at TD Bank simply explained that I did not make the full payment. However, for months and the financial information displayed is may not have been clear. The person did not catch the system issue. This could result in payments that are " short '' and lead to payments that are categorized and reported as " late '' to the credit bureaus. This results in negative information being reported by the credit bureaus, decrease of credit, denial of credit. This system error and financial reporting should be corrected immediately. This is the reason why the monthly minimum payments I made in 2023 only satisfied the ONLINE minimum payment due and not the HARDCOPY statement ( minimum payment due ). The financial information being displayed could not be validated. 

( 2 ) There were several customer service, delivery, and billing issues reported in 2023. All outstanding issues were resolved by Raymour Flanigan/TD Bank except for adjusting the MINIMUM MONTHLY PAYMENT to a lower, reasonable amount that the customer can afford. 


My Issues : ( a ) My credit limit was decreased with other creditors ( XXXX XXXX, XXXX  XXXX and XXXX  credit cards ) because of inaccurate and negative reporting submitted TD Bank to the credit bureaus for my TD Bank account. The negative reporting submitted by TD Bank were due to Raymour & Flanigan customer service and billing issues in 2023 and not the fault of the customer. TD Bank inaccurately reported both late and delinquent payments in 2023 due to furniture and credit delays. 

( b ) My credit account was closed with other creditors XXXX XXXX XXXX and XXXX credit cards ) because of inaccurate and negative reporting submitted TD Bank to the credit bureaus for my TD Bank account. The negative reporting submitted by TD Bank were due to Raymour & Flanigan customer service and billing issues in 2023 and not the fault of the customer. TD Bank inaccurately reported both late and delinquent payments in 2023 due to furniture and credit delays. 

( c ) In light of all the customer service issues and delays with shipping, billing, credit, and call center conversations please advise if my minimum monthly payment can be reduced to below {$200.00} per month.
Consumer complaint received 2023-02-27
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. (CA)

Experian deleted the car hop account that was paid and left the one on saying it was a collection account stating that it was o instead of deleting this like all other credit bureaus and then they put the debt back under a regular late payment account to put the debt I don't owe back on my credit report and I'm getting tired and I am going to take legal action
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, I received an email from Synchrony Bank stating that I will be charged a fee of {$1.00} monthly for each billing statement that I am sent through the mail in regard to my Lowe 's credit card. In order to avoid this fee, they are requiring me to sign up to receive paperless billing. 

A number of years ago, my personal information and social security number were breeched, and I have had to freeze all three of my credit bureaus. I currently receive all of my bills through mail as I do not prefer to put my personal information on a company 's website where it can be taken again by someone else. 

On XX/XX/XXXX, I contacted Synchrony Bank to ask them for an exception to this fee because of the issues I have had in the past with my information being protected. They told me the only way to avoid the fee was to sign up for paperless billing or opt-out and close the card. I asked the representative to have a supervisor contact me back. No one ever contacted me back. 

On XX/XX/XXXX, I contacted Synchrony Bank again to find out why no one ever contacted me back. They told me again that they will not exempt me from this fee and the only way to avoid it is to sign up for paperless billing. Again, I asked to speak with a supervisor. I was placed on hold with the representative. When she came back on the line, she said that the supervisor said the same thing. The supervisor refused to speak with me. 

At this time, Synchrony is charging me 28 % interest. Over half of my payment each month is being applied to interest ; roughly {$110.00} a month! Not only are they going to charge me a fee of {$1.00} monthly, but that fee will be added to my balance, and I will be required to pay 28 % interest on that fee each month.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NORTHWEST BANCSHARES INC (PA)

on XX/XX/2023, Northwest Bank Routing number XXXX XXXX, PA. 
Northwest used Right of Offset on a Joint Account without my knowledge ( I was not the at-fault account holder ). I called an explained the situation and the supervisor, XXXX, said it's their right to obtain their money anyway possible, even if it causes overdraft fees. The amount they took out was over half of what was in the account, less than {$1000.00} in account at the time. He didn't care and said if the autopay bills overdraft, I will be responsible for those fees as well. I explained I was not notified of any Right of Offset and he said I will be receiving notification in 3-5 business days AFTER the fact. I asked why I wasn't notified because I am an account holder, and he said the business is with the other party and I'm not subject to that information. This is unethical! I should be notified of any penalties BEFORE any actions are assessed. I wasn't given a chance to get my name off the account or any other action. Furthermore, I was not aware of the other account holder 's delinquency with a previous account. This should not be allowed by ANY institution. I feel victimized in this process and will now be held liable for any additional fees the bank decided to help themselves in obtaining KNOWING FULL WELL the Right of Offset would cause the account to become delinquent. I was not treated fairly, with respect, as a member in good standing, or as a citizen of the US. If the bank has issues with the other account holder, those issues should have been handled in a different manner and leave me out of it. Now, I'm out over {$500.00} and probably more. To be clear, XXXX basically said too bad, take the money out of another account if you don't want more fees. This is unprofessional and unethical.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NY)

I would like a direct answer to my question be provided by Wells Fargo which to date has been dodged for two complaint rounds. 

What payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? 

In Wells Fargo 's response to complaint # XXXX XXXX XXXX XXXX  : " You've continued to assert there was no payment delinquency. There is no evidence to support your assertion. '' Wells Fargo needs to answer my first question what payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? 
After the missing payments are identified, by Wells Fargo, then it will be up to Wells Fargo to provide evidence that I did not pay the missing payments. 

Note that the market rate value of XXXX XXXX XXXX, XXXX NY XXXX is valued atXXXX XXXX {$650000.00} $ XXXX : as of XX/XX/XXXX. 



Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PR)

For manny years I have the problem with my debt to not repor properly to the agency in this case my credit report of Equifax are incompleted and not included many account that action affect my credit history and credit profile. 
I need resolve this manner as soon as posible. The following debtor to not report to a Equifax are : XXXX XXXXXXXX XXXX ( mortgage ), XXXXXXXX XXXXXXXX XXXX ( Auto loan and Personal loan ), XXXX ( credit card ), XXXX XXXX ( credit card )., XXXX XXXX ( credit card ).
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Applied on XX/XX/XXXX for a capital one card. They pulled my credit ( all 3 bureaus ), i made one charge, paid it and today on XX/XX/XXXX, theyve closed my account after charging and Ive paid my annual fee of {$390.00}. 

They wouldnt give me any reasoning other than terms and conditions. 

This is unacceptable. So now my credit went down because of 3 hard pulls, Im going to show an account opened and impacting my ability to get other credit cards with other issuers, and they have my money without receiving ANY of the perks. 

Had they just declined the card, thats fine. They can not want to do business with me : but to open an account and then less than 2 weeks close it without any reasoning is unacceptable