davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I have been in the process of getting full custody of my daughter since XX/XX/2022. I sent an attorney that I was refered to {$450.00} on XX/XX/2022. With that payment he was suppose to be filing paper work and getting my case started per his email with all the details of what he would be doing. I waited to hear back from him with a update of some sort. I emailed him on XX/XX/2022 asking what the status was, he then reattached the plan of action which stated I had to pay him 2 weeks prior to a court date. Also it was noted in the paperwork that emailing, texting or calling with questions would come with a charge. So I tried to keep minimal contact until he would reach out to me. After he sent me the email with the attached plan of action my wife and I sent the {$600.00} on XX/XX/2022 so that we could ensure he would finish with the case, after that I did not hear from him. I waited a month and on XX/XX/2022 I emailed again asking what is going on and I just needed an update about the case considering we have now sent {$1000.00}. After some time of not hearing from him. We contacted wellsgargo and started a claim they stated we could not file a claim on the {$600.00} due to it coming from our account and not through a debit card. They started a claim for the {$450.00} and asked for proof and documents about what the attourney was suppose to do. We sent everything. WF sent us XXXX credit while thye investoigated Months later wellsfargo stated they could not do anything due to us waiting too long to start a claim. And stated they spoke to the attourney and he did do that work. I asked if they had proof which they said no. Wellsfargo has not kept our money safe and continued to allow charges to come through even after our account was in the negative due to this while claims process. Since then we have removed all our money from WF and our account is still in negative due to charges they have charged us. I will never bank with them every again. I dont care about anything other than closing that account and just them clearing us out of the negative. I dont want a thing from them. They are horrible. Also VA sent me school money for books and supplies and due to my account being in the negative because they took that XXXX credit back after I had taken all my money out of WF. I contacted WF and asked them to send the money for books back to VA so that they could send it to my new bank they refused. VA told me that WF had that ability to send it back but they refused and also sobody named XXXX ( WF customer service ) told me not to call back again asking the same questions, that it was a waste of his time and mine. I have never dealth with a more terrible bank or customer service in my life. So not only am I out all the money from this attourney but WF will not send my money for school back to the VA. HORRIBLE COMPANY. This is not how you treat people especially someone who has had an account as long as I have. AND a veteran at that. Disgusting.
Consumer complaint received 2019-12-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

This company furnished my auto, which that auto was totaled and this loan was paid by the insurance company. This company has inflated fees and cost, I have asked the company several times to provide me with original contract, with my signature and consent, and a breakdown of payments and what the insurance company paid them, and they keep responding to my dispute as verified as accurate. Ive asked them to also provide me with how they verified the information, Ive received no response.
Consumer complaint received 2020-06-10
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. (CA)

I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (MN)

On XX/XX/XXXX I opened a checking account with Bank of the West when there was a promotion of {$250.00} bonus for doing a doing a direct deposit of more than {$1000.00} over 3 months. 

I correctly opened the account by applying online on their website. Below the " Apply now '' button on their website it said that the promotion code is automatically applied. Please see attached screenshot of the same. 

I also met the promotion terms from XX/XX/XXXXto XX/XX/2019. 
Further when I contacted the bank on XX/XX/XXXX, they are saying that the promotion code was not applied in my case and so they denied the bonus. 

I request the bank to kindly issue the bonus of {$250.00} as I applied correctly and met the terms. It is an issue with their website / system itself.
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

Hi, Coinbase has locked our account since XX/XX/2017. They had requested that I provide proof of residency documents, which were submitted right away. I have attempted multiple times to contact them and have been unsuccessful. They have been unresponsive to the support ticket and requests to get an update. I have money in my digital wallet with Coinbase and need them to restore my access. 

Thanks, XXXX XXXX
Consumer complaint received 2022-10-05
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. (MI)

Filed a FTC report and reached out to the reporting agencies for validation of debt shown on report in XXXX. I asked if validation could not be provided to please remove from report. I have not heard anything back. I do not recognize this debt and it is reporting as a charge off which is unlawful. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. Also 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. 

As defined by the IRS, even if you didnt receive a Form 1099-C, youMUSTreport Canceled Debt asGross Incomeon your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.
Consumer complaint received 2019-12-22
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (PA)

This company furnished my auto, which that auto was totaled and this loan was paid by the insurance company. This company has inflated fees and cost, I have asked the company several times to provide me with original contract, with my signature and consent, and a breakdown of payments and what the insurance company paid them, and they keep responding to my dispute as verified as accurate. Ive asked them to also provide me with how they verified the information, Ive received no response.
Consumer complaint received 2022-10-05
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Transunion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed ( XXXX  XXXX Acct # : XXXX late payments of XX/XX/2017, XX/XX/2017, XX/XX/2017, XXXX, XX/XX/2017, XX/XX/2017, XX/XX/2017 ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission XXXX  furnish theses accounts.
Consumer complaint received 2020-06-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing the same account for about 6 months now and I have not received any results to resolve my issue. 

XXXX XXXX has charged off an account, but there is still a balance being reported. 

If in fact XXXX XXXX has charged off this balance then I would owe nothing, because this account has been charged off. 

I have also disputed this account multiple time and there is no indication that XXXX  has placed a " in disputes '' comment. 

How is this account coming back verified?
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

This complaint is against ProCollect. I received a settlement offer in the mail dated XXXX XXXX for the amount of {$320.00}. The settlement was to be paid before XX/XX/2022 and the debt would be deleted from my credit. I made 2 payment online as agreed {$200.00} XX/XX/2022 and {$120.00} XX/XX/2022. Ive called the company to check on the status of the debt being removed from my credit several times, but unable to speak to the only person XXXX XXXX who could access my account. The representative informed me that it would take at least 30 days from the last payment of XX/XX/2022. Ive sent emails to XXXX XXXX, but have not received a response as of yet. Ive disputed this debt several times, but it remains on my credit report. ProCollect has not kept their agreement to delete this account from my credit, if the agreed settlement amount was paid.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I just noticed a few issues with the bankruptcy on my credit reports. From my understanding all reporting to your company is supposed to be 100 % accurate, but for some reason, the accounts listed inside of this bankruptcy is not reporting correctly. They are reported wrong. Please investigate the accounts listed below -- PUBLIC RECORD CREDITOR : US BKPT CT CA XXXX XXXX ACCOUNT INFO : REFERENCE NUMBER : XXXX -This is not my account.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase bank transfer funds from my account to an unknown XXXX  XXXX account. The amount is in excess of XXXX XXXX. After contacting Chase bank they instructed me to fill up many forms. This did not stop the transfers, so I personally went to the branch and after visit, calls, forms they stop XXXX  XXXX from taking any more money. 

After 3 months I am still waiting for Chase Bank to refund the money taken from my account without my authorization.
Consumer complaint received 2018-03-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I WAS BANKING WITH XXXX XXXX XXXX XXXX, XXXX, ON THE SAME BLOCK I LIVE ON. BUT SERVICE WAS SLOPPY AND AT OTHER BRANCHES THE CASH COUNTING MACHINE WAS UNPLUGGED AND IN BACK AT THE XXXX BRANCH. 

I RECEIVED A {$300.00} OFFER TO BRING MY CHECKING AND SAVINGS ACCOUNTS TO CHASE, IN XXXX, CA. 
I WENT TO THE BANK AND A YOUNG TALL XXXX MAN SIGNED ME UP. HE FORGOT TO TRANSFER MY ACCOUNTS FROM XXXX XXXX XXXX XXXX, SO I HAD TO ASK THE CHASE BANK OFFICERS FOR DAYS AFTER. 

AFTER MONTHS, I ASKED IF THE {$300.00} WAS EVER CREDITED TO MY ACCOUNT. I WAS TOLD ONLY {$200.00} WAS CREDITED. 
THIS FRAUD IS UNACCEPTABLE.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

The debit HUNTER WARFIELD is holding for XXXX XXXX XXXX in XXXX, TX. Is FRAUDULENT, first and foremost XXXX XXXX is being investigated by the FTC for fraud ( FTC report number XXXX ) and the debt is being increased by HUNTER WARFIELD monthly WHICH IS ILLEGAL! You can't have the amount keep going up on a broken lease for an apartment and I dont live there anymore!!! I havent lived in that apartment complex for 2 years and the debt collection company keeps raising the amount.
Consumer complaint received 2023-03-09
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: ALLY FINANCIAL INC. (OK)

My mail was stolen back in XXXX, and a credit card was opened with ally fraudulently. I have contacted ally and they know it was fraud and closed the account. Can you please note my account and make sure this doesnt affect my credit. 

Thanks XXXX
Consumer complaint received 2019-12-31
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: BROKER SOLUTIONS, INC. (OH)

XXXX XXXX and /NEW AMERICAN FUNDING pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, XXXX XXXX and new american funding came back with a false reading they stated my XXXX  was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  at XXXX. I want XXXX XXXX to remove the hard inquiry on XX/XX/2019, and XX/XX/2019 I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again XXXX XXXX and new american funding is not reporting credit score correctly
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Management, Inc (AR)

I notified Professional Credit Management that since this debt is medical, the claim needs to be filed with my insurance ( XXXX and XXXX ). I owe no deductible for this debt as insurance will/has pay/paid in full. PCM appears to be trying to collect from me and from my insurance for a double payout.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group (WA)

Current Creditor is listed as : XXXX XXXX XXXX XXXX website provided does not return to this company. XXXX ph : XXXX Original Creditor is : XXXX XXXX, I have never heard of or done business with this company. 

XXXX XXXX is collecting this debt even though XXXX XXXX XXXX XXXX XXXX is listed as the " Current Creditor '' - see attachements. 

XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX will not provide any information as to the original debt to include invoice numbers, dates of service, location of services, etc. Their website is not secure. XXXX This DEBIT IS NOT VALID, I have never heard of or done business with XXXX XXXX XXXX.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

I tried to reach Experian via phone call to close my account multiple times on XX/XX/XXXX, but the answering machine had me waited for an hour. I XXXX about the issue and found out that there are many customers who are in the same situation as mine.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Applied for refinance with Quicken loans. Excellent credit score in 800s, over 20 % equity in home. Had foreclosure in XXXX which did not stop the purchase of my home in XXXX, but Quicken Loans said they can not do the refinance even though its been 5 years. XXXX XXXX was aware XXXX and I paid for an appraisal for {$400.00}. He said if it didnt go through I could talk with the client relations team so my {$400.00} would be refunded. Now Im told that my {$400.00} will not be refunded. Very deceptive
Consumer complaint received 2018-03-03
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)

Experian displays 3 delinquent accounts on my credit file that has been disputed/challenged a year and a half ago, ( XXXX ), ( XXXX ), ( XXXX XXXX ), those accounts have been listed like that on Experian for more than a year and a half, they have all been removed from the other 2 credit bureaus, ( XXXX  & XXXX ). Despite my several attempts to correct these issues with Experian, they never comply and, their action caused to be denied credit access. They failed to follow the FCRA requirements. They still as of today have the above mentioned account listed as " Item disputed by Consumer '' for more than a year and a half. The screen shots submitted were captured today Saturday XX/XX/2018.
Consumer complaint received 2018-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

Refer to attached registered letter for details ( this is in regards of mishandling claim in loss draft department do to Fire ) there holding monies XXXX already paid and not paying contractors causing me to pay out of pocket to contractors causing late mortgage payments stating I-am under special monitoring???????? and they have not approved the rebuilding of my house which already been half rebuilt, the fire and the mortgage company that held loan is different, XXXX Mortgage Bought Loan In The Middle Of Construction From XXXX XXXX XXXX. ;
Consumer complaint received 2019-12-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NC)

Loan has been transferred several times after a modification was approved by XXXX XXXX in XX/XX/XXXX. With a first payment to be due XX/XX/XXXX. Then the loan was transferred to XXXX XXXX. they said to continue to make modification payments but they hadn't set it up and stated that I hadn't sent my trail paperwork back on time which was not true as I have fax transmissions to show that I sent the documentation. A representative was advised of this and states that the fax transmission was not proof that I sent the documentation but that's how they asked for the documentation to be sent. Shortly after this my loan was transferred again to Midland Mortgage. Midland Mortgage  says that XXXX XXXX didn't send over all proper paperwork and are waiting on a title clear and that's what was holding Midland Mortgage up from sending the paperwork for the loan modification. I am now facing foreclosure on XX/XX/XXXX as nothing has been done and it seems that I am getting the run around with no assistance.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WA)

This complaint is effectively to reopen complaints numbers XXXX and XXXX against Comenity Capital Bank. Please, use the attachments to these 2 complaints. 

Complaint XXXX involves incorrect fees/interests Comenity Capital Bank charged to my account. 
Complaint XXXX involves the reports made to four Credit Bureaus based on the above incorrect fees/interests. 

So far, Comenity Capital Bank has responded to complaint XXXX with "... Credits have been applied to bring the balance to zero .... '' but there was no mention of the reports to the four Credit Bureaus. Hence, the reports to the Credit Bureau remain an open issue. I request that complaint XXXX be reopened. 

I need a written response from Comenity Capital Bank to address specifically the reports it made to the four Credit Bureaus. This response is needed for me to take further action to repair my credit history.
Consumer complaint received 2023-01-20
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. (FL)

In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/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