davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On Tuesday XX/XX/2021 I received an email from Venmo at XXXX XXXX est. notifying me of a phone number change. At XXXX another email stating that a sign in was made from a new device, at XXXX a debit card was added to my account and at XXXX the first transfer of two transfers was made out of my account in the amount of {$1000.00}, to XXXX XXXX XXXX DBA XXXX XXXX XXXX. XXXX, at XXXX another debit card was added, and the second transfer made in the amount of {$1100.00}. The moment I was aware of this ( XXXX XXXX ), my account had already emptied. I was unable to access my account as the phone number had already been changed. I also was unable to report this to Venmo in a timely fashion as their phones are not answered past XXXX EST. I did notify Venmo, through their chat function, their auto reply indicating it would be 5-7 business days before I receive a reply. At no time was I notified by Venmo, via phone, of unusual and costly activity on my account, depending instead on email and a reply with in two minutes time. In this time they allowed these transfer to be made. Their lack of communication was paramount in facilitating this fraudulent occurrence.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, Re : Letter to correct Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX ) XXXX You claim that I am 30 days late but you also reported the last payment date is XX/XX/XXXX. That is a whole another year. That is inaccurate I would like it to be updated to pays on time. 
XXXX ) XXXX the report states that I am 60 days behind and the last date reported was XX/XX/XXXX but that can not be accurate when your report also states that the last payment date is also XX/XX/XXXX. Please update to pays on time. 
XXXX ) XXXX report states that I am 60 days behind and the last day reported was XX/XX/XXXX but that is not accurate when your report also states that the last payment date is XX/XX/XXXX. Please update to pays on time. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and reported as pays on time on report. It is my understanding that you will recheck these items with the creditor who has posted them. Please correct any information that the credit can not verify as pays on time. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (AK)

Your withdrawal has been canceled Withdraw Again Your withdrawal for XXXX BTC to XXXX has been canceled for the following reason : You currently only have XXXX BTC available ( {$0.00} ). 

If applicable, please make necessary adjustments and try again.THIS IS WHAT I HAVE Available Qty XXXX of bitcoin Balance XXXX i tried to withdraw the funds today XX/XX/2021 this is the second complaint with this company
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc. (NJ)

This collection agency, who had failed to respond to my 2014 debt validation request ( which they acknowledged receipt of, copy attached ), and stopped contacting me for 1 year ... Then, 1 year later, still without responding, they " transferred my file '' debt to another collection agency ( from Diversified Consultants to Diversified XXXX ), WITHOUT notifying the predecessor collection agency, that they received and did not respond to, a validation request. This is obviously illegal ( and an EVEN MORE EGREGIOUS violation if " Diversified Consultants '' and " Diversified XXXX '' are related entities ). A debt collection agency can not " transfer '' a file to other agencies after failing to respond to a validation request ... and start contacting the consumer again, forcing the consumer to respond to MULTIPLE debt collection agencies about a SINGLE alleged debt that is invalid. Instead of responding to debt validation letters, this agency just " transfers '' the file to another company, and resumes collection activity to fully circumvent the federal law requiring that collection activity STOP UNTIL the requested validation information is provided.
Consumer complaint received 2021-03-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

when I purchased my home thru wells fargo in XX/XX/XXXX I was required to purchase flood insurance and it was required that it be included in escrow, This year XX/XX/XXXX I got contacted by my flood insurance company XXXX that wells fargo said they didn't escrow flood insurance and would not renew my policy on the renewal date I called wells Fargo and talked to the insurance department and was informed on recorded line that flood insurance was no longer required on my property and they were issuing a refund of extra escrow, i asked for a document stating this well fargo then called me back as a result of my inquiry and was told that i was required to have flood insurance and was sent a letter dated XX/XX/XXXX I had flood insurance and escrowed and they were to pay it, they let it lapse, and now I am without flood insurance since XX/XX/XXXX, I reported it to company and they are doing a internal investigation but will not give me names contact info or anything in writing regarding this mishap on their part they let my flood insurance lapse and get canceled, now they are telling me i must provide flood insurance
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MI)

Collection company called from XXXX regarding XXXX  debt with Wells Fargo checking account. Refused to email or mail me verification of debt, said they have done this before and it didn't help. I have not received anything from this company or Wells Fargo in 10 or more years. He threatened to sue me and take a lien on my moms property. When I told the debt collector she had passed away, he nastily said something to the effect that " I am a debtor ... and she would be rolling over in her grave. '' He hung up on me the first time that I told him I was aware of my rights and that this is a time barred debt. He said this does not apply to checking accounts.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Its been over 30 days the creditor hasnt update the information on my report or provided proof/ documents in regards to a late payment with the consumer XXXX XXXX XXXX ACCOUNT OPEN IN XXXX late payments reported on XX/XX/XXXX and XX/XX/XXXX. This must be deleted soon as possible. Under the federal law they had 30days to complete there investigation and fail to do so. I would like this be delet off my XXXX, XXXX, equinox. Report. This is a violation of 15 USC1666B which is a violation of my rights
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

Hi, I've had a recurring hit on my credit report and multiple attempts by different debt collectors related to a falsely charged debt with XXXX XXXX XXXX. Seemingly the company kept my name on an account after I had repeatedly attempted to clarify the mistake and the next tenant did nothing to rectify the error. The following tenant was enjoying free services after I had written and called attempting to close these services with XXXX XXXX XXXX multiple times. 

The collection has been thrown out several times by different collectors and continues to make the rounds, this time with IC Systems. I've been working on this for close to a decade with no results and have filed multiple disputes with Transunion.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a auto loan that was included in my Hardship repayment plan with NFCU personnel finance management program. They have continuously charged me numerous late fees and charges erroneously. I have never missed a payment I have paid them on time. I have attached documentation to attest to the fact that they are practicing and conducting illegal practices and misleading and misrepresenting their loans.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Each time I contact my mortgage servicer regarding an issue with my account they refuse to assist. I have been working on a refinance to get away from Mr. Cooper for the past month and scheduled my closing around their escrow payment date that was shown on my on-line account as well as verified by a customer service representative to have Mr. Cooper not make the escrow/tax payment on XX/XX/XXXX as they stated it was scheduled for. I have contacted Mr. Cooper several times through their customer service telephone number and each time I ask to speak with management to file a complaint, after 40 minutes to over and hour each time I am not permitted to speak with management. The tax payment took 8 days for them to process once I was able to get to the right person to accomplish the task. I have called the Mr. Cooper Corporate telephone number listed on line and it advises their corporate hours ( which I am calling during the time they are open for business ) to have the calls immediately transferred to the customer service queue. My mortgage servicing was transferred to Mr. Cooper in XXXX and they have made 3 major errors on the servicing in that short period of time as well as holding payments in suspense for no reason instead of immediately processing them. The first major error was applying my first payment to them to principal and then advising I had not made a payment on the account, the second they applied monies sent through their website specifically as an escrow shortage payment to principal, the latest was not paying my taxes on or before the date they showed on line as the payment due date which as I stated was verified by a customer service representative that the payment was being made on XX/XX/XXXX. I want to speak with someone in management and I am refused access to management. Mr. Cooper 's customer service is terrible, unprofessional and unacceptable!
Consumer complaint received 2021-03-11
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: CL Holdings LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXJEFFERSON CAPITAL XXXX XXXX ... XXXX XXXXXXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (WI)

On XX/XX/XXXX I was notified by the Veterans Affair US Treasury Dept. that a direct deposit of {$110000.00} was sent to my XXXX Netspend XXXX checking account. The deposit did not post. I have called Netspend by phone everyday. I have emailed them also.In addition to my emails, I forwarded the email from the Veterans Affair government office on Friday, XX/XX/XXXX to Netspend as additional documentation per their request. On Saturday, XX/XX/XXXX Netspend responded with an email to me claiming that the documents sent were " illegible and insufficient. '' " Kindly refer to the information below regarding the documents we need to verify your pending direct deposit. 
There is a pending direct deposit on your account ; however, the amount of the deposit exceeds the maximum value of your card account which is {$15000.00}. Therefore, this deposit requires additional review and may be declined. '' On Monday, XX/XX/XXXX I emailed Netspend again and requested that they post the money to my account and to contact me if there is a problem. Unfortunately, as of XX/XX/XXXX Netspend continues to hold my deposit hostage and keeps giving me the run around as to why the funds have yet to be released. Whenever I ask to speak to a manager, I am kept on hold for over an hour. Moreover, they refuse to give any corporate contact information by stating " they are not allowed to give that information out. '' My frustration level and XXXX XXXX is dangerously high. I have XXXX and other health problems that require a caretaker. My caretaker needs to be paid and I can't do it, because Netspend will not release my money. How dare they treat and disrespect a XXXX veteran like this? I have complied with everything they have asked of me in order to release the pending deposit. This is not the first time Netspend has done this to me regarding a large deposit from the VA. They made me jump through hoops once before and I believe they are demonstrating racism and discriminating against me. I submitted valid and legitimate documents i.e., copy of social security card, drivers license and they still won't release the money. At the onset of this problem with Netspend I called the VA 's office and we had a conference call with Netspend. They made no attempt to resolve the problem even with the VA representative. Needless to say, countless complaints have been filed against Netspend with the XXXX
Consumer complaint received 2021-03-11
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: Sequium Asset Solutions, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX ... SEQUIUM ASSET SOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (NJ)

I inquired with XXXX XXXX of Highlands Mortgage regarding mortgage rates for various investment properties I was considering buying. Specifically I emailed him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, with specific properties I was considering at the time. I then asked him a few follow up questions via email. I had not yet given him any personal information, credit information, or applied for any loan. I also did not give him any information on the properties I was considering, other than a general price range and cities. All of a sudden, the evening of XX/XX/2021, he sent me the following vague and unhelpful email : " The XXXX XXXX is going to respectfully remove itself from consideration on these loans. 100 % understand and respect the investors need/right to secure the absolute best rates/terms/service you can find. But we wont be the right fit in this case I believe. We wish you great success in all your RE pursuits! '' Thinking there was a misunderstanding, I sent him a follow up email to ask him what the concern was. The next day, XX/XX/XXXX, I again emailed him to confirm that he was not discouraging me from applying for a mortgage. I then submitted an application on his website on XX/XX/XXXX, and provided him all of my personal information and documents that he would need to make a decision. All of these emails have gone unanswered. The application I submitted over XXXX business days ago has not yet started processing and he has not done a credit check. I have not received a GFE or a denial, or even any reason for his vague email. 

Because at the time of XXXX XXXX 's email, I had given him no personal information about myself, including my SSN or financial information or documents, there was no legitimate business reason for his XX/XX/XXXX email discouraging me from applying for a mortgage with him. The ONLY information he had about me was my name and the fact that I was rate shopping, neither of which is a permissible basis under the XXXX and XXXX B for discouraging a mortgage application. Further, by not providing me a GFE within XXXX business days of my application, XXXX XXXX is in violation of the XXXX. By not providing me any rate information for the past few days or taking any action on my application, he has caused me to miss out on a beneficial mortgage, with a discriminatory purpose.
Consumer complaint received 2017-04-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

In XX/XX/XXXX, my attorney submitted all required documents to Carrington Mortgage for their review for a Short Sale. Carrington set the file up on Equator for processing. In XXXX, they demanded that a junior lienholder supply a payoff statement In 7 days, and it took us 8 days to get the document, so they reset the file. We submitted the file again, and they negotiated with us to submission for approval. While waiting for investor approval, we were informed that they had forgotten to put the file through a " waterfall '' process, and had to start over, in XX/XX/XXXX. After weeks of calling and getting unclear or contradicting answers, all documents were confirmed received in XXXX and we were told to wait 30 days, until the " waterfall '' was complete. On XX/XX/XXXX, we were told the " waterfall '' was complete, and that we could proceed with a short sale, but that the foreclosure sale date was 10 days away, and they would push that out to XX/XX/XXXX Today, they said that participating in the short sale was no longer " in their best interest '' and that they would let the property go to foreclosure on Friday, XX/XX/XXXX. Attached, however, is the Conditional Approval Letter they sent in XXXX, when they had first completed the waterfall process. They lied to us, strung us along, and dropped the file just close enough to the foreclosure date that we could not restart. This is a systemic issue.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC (TX)

The Credit Card Company Refused to Close the Credit Card Account on XX/XX/2023 and have charged the Cardholder late Charges. 

The Credit Card was requested closed by the Cardhold and the Person Filing the Complaint. The customer service worker refused to completed the Cardholder 's request. The Credit Card has been paid off and only the open account monthly fees were billed, similar to debit card fees. Keeping the account open was nolonger useful and Frivolous spending. The Credit Card Company charged the Cardholder 's Account twice for latest fees while available credit for the monthly fees were on the Cardholder 's Account Balance. On dates XX/XX/2023 available credit of {$55.00}, was taken for a {$41.00} monthly payment and a late fee was charged to the Cardholder 's account. and XX/XX/2023 available credit of {$45.00} was taken for a monthly payment and a late fee was charged to the Cardholder 's account by the Credit Card Company. I am not sure of the accuracy, it should show on the monthly statements. The Credit Card Company never returned the available credit.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

I have a business, personal checking & personal savings account with TD Bank I have 3 tenants that have paid the same amount for years, and the deposits have been missing from the statements. They show up in activities and months later they disappear I've complained to the manager, and I still don't have an answer. 

I also have a TD Visa  that I have a problem with. 

TD Bank is not trustworthy and I need your help