davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: eToro USA LLC (CA)

On XX/XX/2023 I was trying to purchase crypto with XXXX and eToro popped up at the top. So I signed up and gave all my information to deposit my funds and buy my ETH. After I bought my ETH I realized there was no " send '' button to send my ETH to a new wallet. So I sold the ETH and looked up how to transfer ETH out of eToro and followed those guides. I bought ETH again making this the XXXX trade with any warning or signs that my money would be held. After trying to send it out like the guide showed, I finally came to a page that stated I wouldn't be able to transfer my money out of eToro for XXXX days. After all that there was not XXXX single message, fine print, or warning before and after purchasing the crypto that it would be held for X amount of days. I spoke to representative and XXXX was good but still very unhelpful because they couldn't do anything to help at all.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened onXX/XX/2019 with a credit limit of {$3000.00} -This is not my account.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX I advised Experian ( XXXX ) that my report ( Report # XXXX ) has an closed/transferred account for XXXX XXXX Account number XXXX which originally had a delinquent payment in XX/XX/XXXX. Per Experian 's website ( https : //www.experian.com/blogs/ask-experian/how-long-past-due-remains/ ) " In your case, the account is paid off and closed, so the entire account will be removed XXXX years from the date of that missed payment, or XXXX years from the original delinquency date. If the late payment occurred in XXXX of XXXX, the account should be removed no later than XX/XX/XXXX. '' However the manager indicated that this will stay on my report until XXXX! He indicated although XX/XX/XXXX was the initial delinquent payment, there were subsequent on time payments which " resets the clock ''. This is not what is written on their website. 
Furthermore this is not what is indicated under FCRA guidelines : " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, or bankruptcies that are more than 10 years old. ''
Consumer complaint received 2022-07-13
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. (VA)

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. 
XXXX XXXX XX/XX/2022
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

On a conversation on XX/XX/21 @ XXXX it was agreed that once a payment of {$1700.00} is made the deferral will be approved without any doubt. 
Payment was made and I called mr cooper the very next day and inquired about the deferral in place. 
I was told that the deferral isnt guaranteed. 
I made sure my bank would bounce the payment.
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I was contact by someone named " XXXX XXXX '' via a dating app, saying that she would give me money via checks to be a relationship. She had sent over four checks and provided a bank account number to pay off a Wells Fargo Credit card balance. She had sent the checks via email on XX/XX/22 to my XXXX  email address. There were four checks sent to my email the amounts following, {$1000.00}, {$1000.00}, {$1500.00}, {$2500.00}. I unfortunately fell victim to the scam and tried to deposit said checks and attempted the credit card payment with the information provided on XX/XX/22. The checks ended being reversed as well as the credit card payment. She had requested that I send her two payments of {$400.00} and {$500.00} via Wells Fargo 's XXXX Money Transfer service. These two XXXX payments were successfully sent over to a XXXX XXXX on XX/XX/22, ( who I believe is based in XXXX, CA, for the email containing the checks showed XXXX, CA in the email ). I sent over both payments, this " XXXX XXXX '' claimed the payments were for her Jewelry business. Then she requested that I send another {$1000.00} via XXXX, which was declined and did not go through. She then asked me to send a XXXX to XXXX XXXX, which XXXX prompted me to verify the last 4 digits of the person 's phone number, the first 4 digits provided did not work, but the second set of digits provided did work, and XXXX sent the {$1000.00} to this XXXX XXXX on XX/XX/22. Currently as of XX/XX/22, my checking balance sits at - {$1300.00}. I have since ceased all contact with this " XXXX XXXX '', but she still tries to reach out to via email ( XXXX ) in attempt to give me more money via check to resolve my situation. 

Following all of this, I realized I was scammed, and contacted the Wells Fargo Fraud Claims department to file claims on all three transactions, in a attempt to get my money back on these charges. After the claims were filed on XX/XX/22, I spoke with Wells Fargo 's Fraud Claim department again on XX/XX/22, to follow up on my claims. The one transaction on a {$400.00} XXXX payment was reversed, but the other {$500.00} XXXX payment and {$1000.00} XXXX charge were not reversed. I contacted XXXX on XX/XX/22 to file a claim on the {$1000.00} XXXX payment, but I was told since I do not have payment protection, there would be very little chance to get my money refunded.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I noticed this account when I viewed my credit report on XX/XX/2020. On XX/XX/2020, I sent them a letter through certified mail requesting validation proving that I am indeed the party they are seeking for to pay this debt, and if there's some contractual obligation that is binding on me to pay this debt. They received the letter on XX/XX/2020. They then sent me a letter that i received on XX/XX/2020 with insufficient validation. I'm requesting that all references to this account be deleted and completely removed from my credit files and a copy of such deletion shall be sent to me immediately. 

Thank you.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Caliber Home Loans, Inc. (TX)

My mortgage was originally being serviced by Caliber Home Loans. My loan number was XXXX. I have PMI on my mortgage, but I applied to get it removed based on a significant increase in my homes value. On XX/XX/23, I sent the application, along with the {$100.00} check needed to order the BPO on my property. On XX/XX/23, Caliber cashed my check. However, on XX/XX/23, I received an email notifying me that my loan was sold to XXXX XXXX. Caliber never provided me with a BPO report on my property, but still cashed my {$100.00} check and did not refund me. I tried multiple times to call Caliber and get in touch with an actual human agent ; however, because my loan was inactive, the automated system would hang up when any inactive loan numbers or phone numbers are entered. I then tried logging onto my Caliber account and using their messages portal, in which I sent messages on XX/XX/23 and XX/XX/23 notifying them of my issue. The only response I got from this were messages saying this was an issue for the PMI team, and my message was being forwarded to them, and I should expect contact soon. I never received any follow-up contact.
Consumer complaint received 2023-02-03
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: TD BANK US HOLDING COMPANY (CA)

In accordance with the fair credit reporting act this creditor, has violated my rights.

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (FL)

My card was lost on XX/XX/ some unauthorized activity occurs I called them soon as I noticed and reported it. A few weeks later the money was reimbursed but soon as it was reimbursed my account was restricted its been over a month. And only thing they could say is they don't know how long it will be before the restriction is removed. I would like for them to either remove the restriction so I can access my funds or just close my account as soon as possible. I've been extremely patient and there customer service isn't any help. They are even in breach of our agreement which states I could close my account at anytime. I asked them to do metha favor politely but no one considered helping me.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2020-01-17
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. (NY)

I made an inquiry about mortgage refinance online through XXXX   XXXX  and was contacted by XXXX XXXX from XXXX XXXX XXXX. After many emails from him I asked what information did he needed to move forward. He replied with some questions which I answered to the best of my ability. However he didn't asked me for my SSN and never indicated he would do a credit inquiry on my credit report. I was under the impression that with the few questions I've answered, he would be able to give me a pretty good idea of what to expect in which he did but, after he realized I was not a veteran he apologized for the confusion and said that based on my income he would not be able to assist. I questioned if perhaps a HELOC was a possibility but never got an answer. Instead I got an alert about the credit report. He never disclosed any guidelines about credit inquiry nor did he obtained my consent or permission for it. With this complaint I intend to have the credit inquiry withdrawn along with any personal information I may have provided to XXXX XXXX and XXXX XXXX XXXX and it's affiliated Companies. I've only communicated with XXXX XXXX over emails which I can forward them if needed.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

Chase bank decided to close my checking account after I requested to speak to a supervisor over a stop payment request. The stop payment request was made XXXX  XX/XX/2020 the check was then cashed by the company whom claimed to have not received the payment. Which is the reason I requested chase bank stop payment. Chase bank specialists ... although she was very nice lady. Found it to be a funny situation and Chase bank said oh well sometimes the system goes down and you have to take a loss. Even though several employees admitted the company is indeed at fault. I am forced to take a {$530.00} loss. In addition, I have to jump through hoops to obtain my remaining funds due to identity theft. XXXX having police report numbers. On XX/XX/2020 I was even threatened by an agent named XXXX. The employee told me if I did not release my new checking account number to my new bank account I would not receive my funds to my pending account. Claiming it was standard procedure, which wasnt true. As an identity theft victim and having Chase make a huge error on my account its terribly unprofessional.
Consumer complaint received 2022-02-24
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. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXL Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Personal Information : EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

I received a loan for {$1000.00} dollars on XX/XX/2021. However, the loan documents was not received until one month later. Once, I receive the document I saw that the interest rate too high but called and asking what will be my payout their told me additional {$930.00}. I told them that was too high and I will file complaint against unfair interest rate. However, I did not know this a payday loan I thought it was banking institution.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/23, early morning, I activated my EDD card of my account in Bank of America sothat I would go to the bank and withdraw my money that day. By XXXX I was in the bank and when I tried to with draw the money, the teller told me that someone had already with drew {$5000.00} from my account that very morning in XXXX transactions ; XXXX {$4500.00} and later {$500.00}, and my card had also been blocked. Immediately, i called bank of America to ask them about who had withdrawn my money and what I needed to do next. 
They told me that a claim has been put in for my stolen money and that I should give them XXXXdays to work on it. At that time my account was only remaining with {$2900.00}, so I asked them whether I should with draw that balance that very day and they told me that I should wait to receive a new card because the one I had, had been blocked. In XXXXweeks, I called the bank again to know about my claim, the person I talked to said she couldn't tell me anything about my claim unless I go and call them again when am inside the bank. When I asked her why i had to call from the bank, she told me that because the bank has to request XXXX IDs from me to be sure am the real owner of the account I was calling about. The next day I went to the bank with my XXXX IDs and called again. They just told me to wait until XXXX days. Surprisingly, on XX/XX/2023 they sent me a letter, stating that their research confirmed it was me who authorized the withdraw of the {$5000.00} from my account and for that reason, they denied my claim. Its on that note that I write my claim here, seeking for justice of my {$5000.00} that was stolen from my account in Bank of America.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/XXXX I opened a TD Convenience Checking account. The offer said exactly. All you need to do is open a new TD Bank Convenience Checking and set up direct deposit totaling {$500.00} or more monthly into your account within 60 days upon account opening. Once the offer criteria are met, the {$200.00} bonus will be credited into the new personal checking account no later than 95 days from account opening. I complied exactly and XXXX XXXX at TD bank in XXXX XXXX agree all details were met. Balance was maintained, direct deposit was made in time, etc. He also tells me I qualify but I need to wait 188 days. My offer said 95 days. I printed out the offer page. Sent several emails through my account only for them to respond with another offer, had no idea what I was trying to say. Called the customer service number several times no help said they would send it up, no reply. Stopped in TD Bank in XXXX XXXX NJ XX/XX/XXXX and did a follow up call a day later he just says 188 have to wait possibly. Again, the offer said 95 days.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AVANTE (FL)

THIS IS MY THIRD TIME CONTACTING XXXX  ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

On or around XX/XX/XXXX, my father called USAA Federal Savings Bank to request that I be allowed to call in to USAA on his behalf to help him handle financial matters with his USAA credit card. I spoke to the representative that day and was never read any financial disclosures or told that I was being made financially responsible, as a secondary, on the credit card. I never signed anything nor gave my permission to be financially responsible. I found out months later that the representative indeed added me to the card as a secondary/cosigner. I called USAA and reported this and asked to be removed. I was told that they couldn't remove me and there was nothing they could do to reverse the action. My father passed away in XXXX of XXXX. At that point, USAA made me the primary responsible party for the credit card and the debt was transferred to me. I again called USAA to complain and seek a resolution. I was told by several representatives that my name was never on the credit card application and that they couldn't find any record of me accepting or signing my approval to be held financially responsible for the credit card. However, USAA refuses to concede and says I am responsible for the debt on the card. Their representative in XXXX committed fraud and I should not be held responsible for that. I am a wartime veteran and have been with USAA for 18 years now. I will be closing all of my accounts with them. I am seeking legal counsel.