davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (CA)

I bought a Home with my daughter in Maryland and had 3 different quotes from three diffeerent brokers. I chose WFbank as they offered me a rate reduction of 0.125 % for every XXXX XXXX  that i transferred into their portfolio scheme and if I transferred in More than {>= $1,000,000} I could get a rate reduction of 5/8 % based on that offer I applied with WF for my loan and after going through multiple submission of documents I was approved for the loan. I transferred {>= $1,000,000} in My new WF portfolio in XXXX XXXX during the process of approval it appeared that the loan might not go through in time and I transferred {$750000.00} to my Escrow account in case I needed to close the purchase in cash. 
after lot of document submissions and explanation the loan was approved and I transferred another {>= $1,000,000} in the brokerage account to qualify to get the rate reduction. I was provided closing document on XXXX or XXXX of XXXX without rate reduction, I discussed this with WF agent and was told that the rate adjustment would be made on final documents which will be provided on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by XXXX XXXX XXXX, WF mortgage Agent I was working with informed me that his supervisor who was new was denying the rate reduction as it applied to Jumbo Loans only.and my choice was either to close the purchase using the loan or close it with all cash. During the whole one and half month process with all the documents, money transfers and documents no one at WF as much as even raised a possibility that I might not get a rate reduction. on the contrary I was repeatedly assured that I would definitely qualify for the rate reduction.

I have requested WF to preserve all recordings of my conversations with all parties that I spoke with about this loan and their offer of rate reduction based on opening brokerage account and transfer of money and provide me with a transcript of the same. I believe that I was a victim of false advertising or a false promise, unfair business practice and a bait and switch by WF mortgage. 
I spent XXXX extra to get an extension to close the purchase to the seller, plus spent {$1000.00} for travel to sign the closing documents as I had to make another trip due to delay in closing. 
I spoke with XXXX XXXX today and he confirmed that till Monday XX/XX/XXXX he was under the impression that I did qualify for rate reduction and that is what he was passing on to me in our numerous conversations. 
I would like the CFPB to look into this and resolve the issue ASAP or atleast hold WF accountable for its business practices. 
My loan no with WF is XXXX I HAVE ALREADY DISCUSSED THIS WITH XXXX XXXX AT WF EXECUTIVE OFFICE
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (AZ)

This was never sent to my insurance company. I have a primary insurance ( XXXX ) and a secondary ( XXXX XXXX ). I had XXXX and the and the XXXX sent the bill to my insurances, but XXXX did not submit to my insurance.
Consumer complaint received 2023-01-03
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 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 an 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 2023-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (DC)

My insurance company paid the debt to Santander Bank and someone called me to verify the account and payment. I am no longer responsible for any debt and collection agency received notice to provide proof of my signatures with in 45 days of receiving notorized letters
Consumer complaint received 2022-11-29
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. (SC)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
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 15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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 2022-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NY)

The company is Gemini Trust LLC and I had cryptocurrency in the account ( Ethereum, Bitcoin and Doge coin ). 


I received and email at XXXX XXXX  on XX/XX/XXXX XXXX XXXX, Your withdrawal of XXXX ETH has been confirmed by the Ethereum network. 


Destination address : XXXX XXXX hash : XXXX Sign in If you did not initiate this action, click here to freeze your account and please contact customer support immediately. 

Team Gemini I froze the account, attempted to fill out a form on their website asking for support, sent emails and even replied to their email... .see below : Re : Gemini is Built on Trust, Safety, and Compliance. 

Sat, XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) To : XXXX Details I loved the letter, unfortunately, my account has been hacked and I have {$15.00} left in my account. {$650.00} was taken. How was this possible? Are you going to refund my money? 

XXXX XXXX At the bottom of XXXX of their emails ( in light gray print ) was : Gemini Trust Company , LLC ( XXXX Gemini XXXX, XXXX XXXX AZ, CA, DE, FL, HI, ID, IL, KS, KY, MA, MI, MN, NC, ND, NM, OH, OR, SC, SD, UT, and VA XXXX XXXX Gemini XXXX in AK and WA ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX I called the number, but all it does is tells me how to email them!!!!!! 

Please help me!
Consumer complaint received 2021-03-18
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: DISCOVER BANK (OH)

I applied for a loan with discover Financial and decided not to accept their terms! They continue to pull my credit report I think it's been 10 times in the last 6 weeks! I've called and asked them to stop to no avail
Consumer complaint received 2022-11-26
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. (FL)

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 ( b ) a creditor can not treat a payment on a credit card account under an open-end consumer report as late for any purpose.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a.k open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-25
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-01-03
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. (KY)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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. (NV)

I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX AV XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX CARD XXXX Balance : {$780.00} ; XXXX Balance : {$4500.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX ; XXXX OF XXXX XX/XX/2022.
Consumer complaint received 2023-01-03
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A. (MN)

XXXX XXXX XXXX was sent a cease and desist letter in XX/XX/2023and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. XXXX still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. 
XXXX and MESSERLI & KRAMER PA .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which MESSERLI & KRAMER PA wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MO)

Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans. Was told by CSA that he " didn't know what a sixty-day payoff letter was ''. 
Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans and the CSA understood my request and agreed to send the letters.. We received ( 2 ) of the ( 3 ) payoff amounts on Saturday XX/XX/23. *but did receive a payoff letter for a fourth loan that had been paid off years ago and showed {$0.00} balance? 
Tried to call AidVantage on Monday XX/XX/23. First call-on hold 45 minutes without talking to a human, gave up. Second call 42 minutes without talking to a human, gave up. 
Called AidVantage XX/XX/23, 42 minutes on hold before getting to talk to a human, and explained that we had only gotten ( 2 ) of the ( 3 ) payoff letters and the CSA agent stated that her system indicated the request was made but she could not explain why it hadn't been sent and she would make sure that it was sent within 24-36 hours. 
Today is three days later and no response. Our refinance vendor is pushing for the information and if not received in time will have to reapply and will require another credit check on me. AidVantage is PREVENTING me from refinancing my loans,
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KY)

I already have a complaint opened, XXXX pertaining to flood insurance. This was opened on XX/XX/XXXX. I have only received XXXX response to this from my mortgage company, NationStar. This was dated XX/XX/XXXX and they said they would respond by XX/XX/XXXX 
I saw on this site that they responded to the CFPB that they would respond by XX/XX/XXXX. I have heard nothing, until today when I XXXX again received a copy of the original letter stating they are going to raise my flood insurance. I need to know something? What is going on? The mortgage company is not responding. Help, please I can not afford a large increase in my insurance. I thought this was settled in XX/XX/XXXX when XXXX XXXX XXXX tried to do the same thing and the CFPB had to intervene. I have not changed anything on my mortgage.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am attempting to purchase a home, and each time a lender checks my credit report, my score goes down. This is an unfair, fraudulent practice that punished people for doing their research and shopping for the best possible rates and loans. Credit reporting agencies should not be allowed to punish me for asking to view/share my credit report.
Consumer complaint received 2024-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advantage Financial Service LLC (Idaho) (AP)

Initially, my insurance covered an XXXX and I was given a copay of {$17.00}. This changed after the insurance reversed coverage without a clear explanation. We had just XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and did not receive our mail for a while ( XXXX was still locked down and it took a long time to get everything set up ). When we did see the letter, it took a lot of back and forth to get anything resolved. With time zones and international calling involved, it made everything more complicated and confusing. 

We finally learned that an administrative issue was to blame. Our doctor corrected the issue, resubmitted the request, and the coverage was reinstated. Again, we were back to only owing {$17.00} which we paid directly through our medical imaging provider 's payment portal. 

Advantage Financial Services continues to impact my credit report with a balance of {$60.00} for interest accrued based on the incorrect amount owing. I understand they have a job to do, but this issue was caused by an administrative issue, not my financial failings. It feels frustrating that I need to pay interest that is higher than the actual amount owing on my account. Please advise.
Consumer complaint received 2023-01-25
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (MO)

My mortgage company is phh mortgage l our purses house in XXXX for XXXX and now is XXXX and I owe XXXX at my account. Most of my payments have went towards escrow. Any of it went towards principal and Im not understanding it so I would like someone to check to see if thats correct because what I understand as long as Ive been in this house which is 17 years most of my payments should go towards the principal
Consumer complaint received 2023-01-25
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (WI)

I signed up to get a new credit card on XXXX. The name is Milestone but the actual company is XXXX XXXX in XXXX, XXXX. I read over the terms several times and never saw that there would be an initial fee. I was approved for a {$1000.00} line of credit. I haven't used the card yet, but got a bill on XX/XX/29 for {$250.00}. There was a {$250.00} annual fee and then a {$3.00} " credit protection fee ''. On the back of the statement, it says you can cancel before the renewal so you can avoid paying the renewal fee, but it says, " This does not apply to the initial Annual Fee charged. '' There is also a monthly fee that was not specified when I originally opened the account.
Consumer complaint received 2022-12-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NM)

I sold my home on an assumption of my XXXX XXXX. It was originally scheduled to close in XX/XX/2022. Because of errors by XXXXXXXX XXXX, the closing was not finalized until XX/XX/2022. In speaking with people from XXXXXXXX XXXX, the delays were because the company had lost all of the people who knew how to handle assumptions. I was required to make the mortgage payments and all utilities for XXXX, XXXX and XXXX. I was on an automatic withdrawal from my checking account and Freedom Mortgage withdrew another payment for XXXX. The closing date for the sale was XX/XX/2022. 
I have been trying to get a refund for the payment they were not authorized to take for the last XXXX weeks. Every time I have called them, I get various routings of my call and have been told to contact Loss Mitigation by email. When I send the email outlining the problem, I only get an automated reply, telling me to call the same number I have called dozens of times.