davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION (NV)

XXXX equity advertised 12 % return on money invested with them if held for 1 year. I agreed to invest the min amount of {$10000.00} ( XX/XX/2021 ) then later another {$10000.00} ( XX/XX/2021 ). The company was serve a cease and desist. They promised to return my investment but disappeared and never responded via phone or email. The company scammed me of {$20000.00}, I transferred the money to the scammers through Zions Bank
Consumer complaint received 2022-12-29
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. (FL)

On XX/XX/2022, I sent a letter for the inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information : XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX : account was supposed to be credited XXXX dollars for an incorrect charge. They credited XXXX instead and kept telling me it was corrected for 7 months. 

XX/XX/XXXX : I deposited {$2700.00} into my account. The cash was originally posted then taken back from my account. I attempted to call the branch and corporate on XXXX different occasions and they kept telling me I never deposited
Consumer complaint received 2023-01-20
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: PNC Bank N.A. (FL)

PNC issued me a credit card and I was on business travel and the credit card was not even activated few days later they decided to close the credit card due to non activity and reported it to the XXXX XXXX credit that the account was closed which had been on my credit report even though t it was not my mistake and now they are not willing to fix it
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Circle Internet Financial (IL)

On XX/XX/2020, In my account with Circle, I verified my bank account information by sending them a domestic wire in the amount of XXXX US Dollars. This process was to add and verify my bank account to the Circle account. My bank details were verified. 

On XX/XX/2020, I have transferred in XXXX USDC Token to my Circle account. On the same day, I have redeemed XXXX USDC for XXXX US Dollars and initiated a domestic wire transfer to my bank account in the amount of XXXX US Dollars. 

I have contacted Circle support center and exchanged emails regarding this issue. XXXX from Circle support said that it takes some business days for funds to clear that I should wait. I waited, in the meantime, contacted my bank about the transfer. They did not see any incoming wires, again. My bank opened an investigation along with the intermediary bank to resolve this issue. They could not identify such a transfer made to my name with my bank account information. 

On XX/XX/XXXX is the last email I have received from Circle support stating that my case has been escalated to the treasury team. Today is XX/XX/XXXX. It has been 40 Days. I do not have my funds or a response from the company.
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My mortgage loan was on Mortgage relief program due to my source of income got affected by Covid 19 at pandemic. Mortgage relief was called Foreberance. Therefore we are temporarily excused to pay our monthly dues for at least a year or until we can able to pay again our regular monthly mortgage. We temporarily stopped paying from XXXX to XX/XX/XXXX, however I call Flagstar Bank regular to give them an updated regarding my financial status and update them regarding my job status. 
On XX/XX/XXXX, before the said year ends, I notified them that I will be able to resume my monthly mortgage starting XX/XX/XXXX since I already got a regular job and that my financial status is already stable. Flagstar Bank sent me all the required paperwork to fill out and sign and notarized them before I send it back to them. After about 4 weeks, I followed up with them if my mortgage loan status I already current, Flagstar Bank confirmed that my mortgage loan status is back to current and that FHA has released them the money to cover all the dues during the months that I havent been able to pay. According to the paperwork that I signed, I now owe dues to FHA and not Flagstar Bank, and wil have to pay FHA loan on year XXXX or the loan can be deducted if we decided to sell the property someday. The total amount is {$29000.00}. Therefore, this amount should not appear anymore in my monthly mortgage statement since FHA have already released the money to them but Flagstar Bank is not cooperating until to clean my records. I have called them multiple times already since XX/XX/XXXX to clean my record and stop sending a separate statement under the A company name called XXXX XXXX that states I have a due of {$29000.00}. The loan statement is give to to me separately from my regular monthly mortgage statement that I should pay {$2600.00}. Whenever I call Flagstar Bank, they only tell me that they will fix it and let XXXX XXXX know about the problem and that I should not worry about it. I cant stop worrying about since they told me that it will be for 90 days. That 90 days have passed and Im receiving a statement from XXXX XXXX. It looks like Flagstar Bank doesnt seem to do what they are supposed to do. Since all my calls are recorded, they should have all the recording of all the conversations between me and their representatives. I have attached the latest copy of the statement from XXXX XXXX for their reference.
Consumer complaint received 2022-01-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MO)

Applied for a XXXX XXXX and they forgot to include my large down payment on the loan. This further delayed my loan process and because of this I was advised to go the conventional loan route to speed up the loan process. Paperwork was filed and they waited till the week before our scheduled closing date to schedule the appraisal. They delayed another two weeks, then waited till the week of closing to finished the paperwork to send to the underwriter and contacted me to give them the number to contact my HR and verify employment ( which I gave them already ). Now, they are refusing to release the VA case number associated with the loan. Without this, my new lender can't initiate a XXXX XXXX  unless Freedom Mortgage releases it. Loan officer XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-09-05
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. (CA)

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.

I have never opened any of these accounts. Please review this and remove this as soon as possible.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2022-08-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My name is XXXX XXXX I have been receiving calls from Specialized Loan servicing center. They have been calling me over my dads acct. I know its a mortgage because they disclosed some of his information on a acct I have no part of. My dad never gave them my number called them twice to tell them to remove my number XXXX company is rude and refuse to stop harassing me over a loan I do not owe
Consumer complaint received 2022-12-29
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. (FL)

On XX/XX/2022, I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2022-04-14
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. (NC)

n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX  # XXXX, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXXXXXX  # XXXX, # XXXX, # XXXX ) Account ( XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  # XXXX ) Account ( XXXX  XXXX  ( Original Creditor : XXXX  # XXXX ) Account ( XXXX/XXXX  # XXXX ) Account ( XXXX XXXX XXXX XXXX # XXXX ) 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
Consumer complaint received 2022-12-29
Product: Credit card or prepaid 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: Affirm Holdings, Inc (CO)

On XX/XX/XXXX we purchased a couch and 2 chairs from XXXX XXXX using financing through Affirm ; the amount of the furniture totaled {$5100.00} ; we started making payments toward this debt starting on XX/XX/XXXX with the understanding that the furnishings would be delivered in XX/XX/XXXX. 

In XXXX we received a notification that the furniture would not be delivered until XX/XX/XXXX ; given that this delivery window remains well-outside the delivery window our order was premised on we canceled the order ; the vendor, XXXX XXXX, sent us a notice of cancellation with a promise of a full refund early this month ( XX/XX/XXXX ). 

Affirm has refused to work with us regarding processing the aforementioned refund and releasing us from our obligation to make payments on the furniture we are never going to receive ; they have insisted we keep making payments ; they also claim ignorance when we provide PROOF of the cancellation and refund notice by XXXX XXXX.
Consumer complaint received 2021-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

Advance financial is really taking advantage of people who are poor and uneducated about their practices. 

Many of us that have to borrow money temporarily to make ends meet would sometimes turn to loan sharks like Advance financial not knowing that they have compound interest and daily charges that makes the person unable to pay in the long run. Sometimes an individual may end up paying up to three times the total amount borrowed and there is no clarity to lenders about the expected charges. This company keeps people in perpetual financial bondage. A person desperate for funds would seek their help thinking that it would ease the stress but they compound on the overall issue. 
I am wanting to make complaints about Advance Financial Unclear Rates to uninformed consumers and their unauthorized bank drafts that puts consumers in a bind. They are not regulated well and have access to peoples accounts while being fraudulent. 

This service can charge a person more than {$35.00} or more a day in interest to someone who had no idea. Then when they set a minimum payment that only clears the interest while the principal is growing and interest is compounded. It should be unlawful to be that cruel to the unsuspecting. In addition, they set up stores at locations where poor and uneducated people usually live and they make it their goal to lure customers. 

Please help.
Consumer complaint received 2019-12-18
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. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Consumer complaint received 2022-12-29
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXXXXXX Balance {$7200.00} ; XXXX XXXX Balance {$9300.00} ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX Inquired on XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2021-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CA)

My payments are frequently not reflected on my account. Wells Fargo associates tell me that the funds were " returned. '' I submit proof of payment and it leads to an investigation that does not go anywhere. They frequently deactivate my ability to pay online. During a pandemic, I need to be able to use my mobile banking app to make payments. I do not have time to call them and spend hours on the phone trying to fix their mistakes. They frequently transfer my calls to other departments, I end up getting switched back and forth to the point where no one can help me. They are going out of their way to make it impossible for me to make payments on time. They are constantly threatening me with a charge off stating that I am not making payments and that I am not communicating with them. I am on the phone with them several times a month. I make the minimum payments every month. 

Today I have spoken to several people, including XXXX, XXXX and a man whose name I did not catch. They kept transferring my call, putting me on hold stating that they had to reach out to someone else, or disconnecting the call entirely. I have been on the phone with them for an hour already either on hold or having to call back because I was hung up on. 

This customer abuse during a pandemic is horrendous. This financial institution is a disgrace to the financial industry. Wells Fargo is actively engaging in fraudulent behavior and practices. They are doing everything they can to put student loan borrowers in default. My credit score is ruined thanks these practices. I have been trying to make payments and they are doing everything they can to make it difficult.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the XXXX time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited XXXX on XX/XX/2019 and was told that my funds would be available on XX/XX/2019 on the deposit slip with plenty of disclaimers. 
As of this morning XX/XX/2019 my funds were unavailable. The above mentioned check cleared the account it was drawn upon on XX/XX/2019. This is verified. 
I have bills to pay on time in order to keep up my credit rating and when I personally tried to talk to an employee of Chase I was told that the funds would not be available until XX/XX/XXXX. 
After sitting at the bank for XXXX minutes to no avail then next talking on the phone with Chase for almost XXXX minutes my funds were finally released. 
Can a bank legally hold funds for 9 days as they did today or worse for 13 days as they tried to do today? 
I have been a Chase customer for over 25 years!