davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (CO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (NJ)

I sent certified letters to them explaining that I have no idea what this was and that this debt was not mine. They could not verify that it actually belong to me yet they refused to remove the negative info from my credit report. I have yet to establish any credit but would like to start but can not because of the wrong info on my credit.
Consumer complaint received 2023-01-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I truly believe when my husband passed away and I spoke with Wells Fargo about a loan modification to help me because I was struggling with the payments they did not treat me fairly. They added more time on the years I needed to pay for the house for at least another 15 years. I don't know if their calculations were right. I may be wrong but I just feel in my heart I was taken advantage of in some sought of way. I would really like for someone to look into this matter. This has been about 7 or 8 years now.

I am not understanding if the house was refinanced if it was I never got any money out of it. I really just want to make sure no one has taken advantage of me because since my husband passed I have been taken advantage of so much from home repairs and other things. 
Thanking you in advance
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

Have attempted multiple times to submit Freeze on Equifax website, following their online instructions. When I attempt to submit I get a message telling me that I can not submit a Freeze at this time. 

I have attempted to call equifax and can only get to a voice message that instructs on how to get a Credit report & how much it will cost.
Consumer complaint received 2020-01-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (TX)

I was contacted by my bank as they were concerned that some of the recent transactions on my account were not done by me. 

After reviewing my account I confirmed that several transaction on my account were in fact fraudulent. 
The transaction details led me to this company as the processor of the fraudulent transaction. 
I contacted them to let them know that my card information was stolen and used with their company to processes fraudulent transactions. 
They were not willing to help at all and even claimed I sent them a copy of my ID to prove it was me that sent the money. I was able to get the phone number and email address that was used by the criminals and neither of which belonged to me. 
I asked for a copy of the ID they claim I sent and the IP address where this transaction originated but they refused to provide it. 
It is very clear that they are party to the fraud and they are more interested in protecting the members of their fraud ring instead of preventing fraud They are treating me like the criminal and the criminal like the victim.
Consumer complaint received 2020-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (GA)

I applied for the loan to pay off a higher interest loan. I have all the calls recorded. The original loan was with XXXX XXXX. XXXX XXXX said they would honor the date of the check. Lending Club failed to send a paper check. It took an additional 12 days for them to figure out the funds were denied. They then sent the loans directly to my account to pay off XXXX XXXX. In those 12 days I accrued {$240.00} in interest. I have called several times. I have been told someone would call me back. I have been told a manager will call me back. Lending Club said they would not provide proof of payment and they would not refund me the XXXX. XXXX XXXX from the customer advocacy department called me once. She left a voicemail. I have called her 4 to 5 times now leaving voicemails every time I have called. They have since sent me a {$50.00} credit. Which I have not cashed. I was told today once again someone would call me back. I was also told that nobody was available. I told them I would rather wait. The representative told me he would be ending the call.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.
Consumer complaint received 2020-01-14
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: Santander Consumer USA Holdings Inc. (CA)

I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed XXXX inquiries that should not be there. I already sent in a few for XXXX  and XXXX  but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
Consumer complaint received 2020-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (MI)

I am writing, again in regards to an issue with Second Round LP. I have received a summons from the courts regarding this account. I have also submitted a letter to Second around LP requesting a proper debt validation. I am attaching a copy of my dispute results from XXXX  which has deleted this account from my credit file. I am also curious as to why the court paper work showing the debt collector as XXXX XXXX XXXX XXXX. I am requesting a proper debt validation be done. XXXX  has deleted this account from my credit file. Proof is attached.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I have filed a travel insurance claim through Chase Sapphire - XXXX for Trip Cancellation. My claim was partially denied despite the transaction being covered on the Chase Sapphire Preferred card benefits. Travel insurance claim was partially denied for an amount of {$11000.00} for a set of transactions tied to a prepaid bareboat charter. Multiple requests have been refused by different representatives to provide the denied reason in writing. The only verbal explanation justifying the denied claim was due to the charter not being crewed. Representatives have promised a follow up from a Claims Adjuster to discuss the denial but no attempts at contact were made. Furthermore, representatives have been dismissive and in one instance hung up on the claimant. 

All documentation to the trip cancellation has been provided on the claim and can be provided upon request. 

The publicly available Chase Sapphire Preferred card benefits, that were also provided by a representative, state [ XXXX : XXXXXXXX XXXX XXXX  ] : Eligible Travel Expenses are Non-Refundable prepaid travel expenses charged by a Travel Supplier ( Travel Agency, Tour Operator, Provider of Lodging, rental car agency, Rented Recreational Vehicle Provider, commercial recreational excursion provider, Cruise Line, airline, railroad, and other Common Carriers ). 
- Card Benefits, Trip Cancellation/Trip Interruption Insurance , What Are the Eligible Travel Expenses Covered ( page 29 ) The card benefits go on to define a Rented Recreational Vehicle Provider : Rented Recreational Vehicle Provider - a commercial rental Company licensed under the laws of the applicable jurisdiction and whose primary business is renting watercraft, bareboat chartered boats, all-terrain vehicles, motorcycles, dirt bikes, jet skis, snow mobiles or any other motorized vehicle used for recreational purposes, unless stated otherwise or an exclusion applies. 
- Card Benefits, Definitions ( page 38 ) A bareboat charter is well defined as an arrangement for the chartering or hiring of a ship or boat, whereby no crew or provisions are included as part of the agreement. This is a widely held definition used by boat chartering companies and the XXXX XXXX XXXX ( XXXX ). 

These expenses are clearly covered under the stated card benefits created by Chase and denial due to the charter not being crewed is not consistent with the agreement. Attempts to seek even basic explanations for denial and resolution have been met with a lack of cooperation or outright avoidance in communication. The claimants intend to follow through on ensuring the agreement is upheld by the insurance provided. 

Calls have been made requesting written information about my claim on the following dates : - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST - XX/XX/2022 XXXX XXXX  PST
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation (CA)

Quality loan service corp has unlawfully foreclosed on our property today XX/XX/2019. There was a recorded message on their automated system phone number XXXX ( attached ) dated XX/XX/2019 XXXX XXXX & XX/XX/2019 XXXX XXXX with trustee # XXXX that reflected a sale date of XX/XX/2019, we relied on these recorded messages as a time frame in avoiding foreclosure with XXXX XXXX and planned to take whatever steps neecessary to avoid foreclosure according to the XX/XX/2019 sale date. Instead they have foreclosed today XX/XX/2019 giving us false information over thier automated system and not allowing us to take the necessary steps nor time to avoid foreclosure. We request that quality loan accept thier error and rescind the foreclosure sale immediately and allow us the proper opportunities needed to take as a consumer by law in order to avoid foreclosure. We request transparency in thier recorded messages as we called today XX/XX/2019 and they deny having ever recording such messages reflecting XX/XX/2019 as a sale date and state they have no record of it. They claim they will look into thier IT department to look for the recorded messages and we are now relying on thier honesty and utmost due diligence in correcting this unlawful foreclosure sale immediately.
Consumer complaint received 2022-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Resurrgent is a debt collection agency that is representing LVNV Funding. I disputed this account with the credit bureau and according to XXXX, this debt was verified. I then sent a certified letter to Resurrgent on XX/XX/2022 for debt validation of this account. I never heard anything from this company. In fact, I sent the confirmed date from the USPS and copies of the certified letter sent to Resurrgent to XXXX on XX/XX/2022. The letter sent to XXXX clearly stated to remove this debt due to the failure of the company Resurrgent not verfiying the debt. I provided clear documents to XXXX to have this removed, instead XXXX sent me another " verified '' debt from Resurrgent/LVNV Funding LLC . 
I contacted XXXX on XX/XX/2022 and spoke with a XXXX representative advised the rep the exact information as stated above and stated that Resurrgent verified twice with them and refused to delete. Pleas advised what steps are needed to get this done,!
Consumer complaint received 2020-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

After my loan was sold to PennyMac Loan Services from XXXX my monthly payment went up. I was provided with an Escrow Analysis from PennyMac and after I reviewed it I realized they make ridiculous projections in order to squeeze money out of the consumer. They had my city tax at projection less than what the previous year was. And they had my county tax projection at a 182 % increase. You would think a company who services mortgages would know how to do a proper analysis ( a simple XXXX search of my county of even using a state average would seem plausible and reasonable ). I called to get it adjusted to a proper and reasonable amount using actual data of previous tax year paid but you get connected with a customer service rep who is not qualified to deal with or understands an escrow account. And forget about speaking directly to someone within the Escrow department. After I did some research and found out that an escrow account is not required on my loan ( VA Loan ) or within any of my mortgage paperwork stating it was required I called them to cancel it. I was told they would submit a request and a approval/denial letter would be sent in the mail. The letter came as a denial due to two reasons ( 1.FICO score too low and 2.LTV ratio not met ). If they are going to make up policies and deny my request it should come with a copy of said policy. I called them again to see what either of these things have to do with me cancelling my non-required escrow account and was told it was due to the policies of the shareholders. Makes sense to me, they are a publicly traded company and focused on greed and profits. None of my paperwork states that I have to meet either of these requirements to cancel my escrow account. To further show proof they are incompetent ( or willfully increasing customers escrow account on purpose ) I switched my homeowners policy and was sent a refund of over XXXX XXXX dollars. I was told this money would need to go back into my escrow to cover my new policy being paid ( but it didn't have to be sent because of their unscrupulous business practices ). I had plenty in my escrow because I have been overpaying them to begin with.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

This is About the XXXX currency USDC transaction issue that I encountered on XX/XX/2020. As usual, I performed the transfer XXXX USDC from my personal wallet to my USDC wallet in the Coinbase account. The amount of XXXX USDC ( {$500.00} ). The method I used was capturing the QR code of the Wallet. This is the safest method for transferring XXXXcurrency, according to the XXXX  creators, since each of the address has it own unique QR code, there is no room for mistake, I did like a XXXX time of transaction using QR code scanning.

Right after I made a transfer, I figured something wasn't right, here. My Coinbase USDC wallet wasn't received anything as It supposed to. So I went back to check the transaction detail, I was at shocked when looking at the recipient address was not my address, trying to calm down to figure what's going on, all of the confusion and question lead me back to perform the transfer using QR code capture one more time. Then I found out, there was something odd about the QR code ( on the USDC Coinbase address ) the QR code probably modified so that it all turned to the USDC contract address ( belongs to the USDC creator ). So I contacted the Wallet provider I send the fund from. After the checking, the support of my sender wallet confirm that COINBASE has modified the QR code different than the rest of the wallet provider standard QR code.

I have contact the USDC creator, The Coinbase support, for 3 years, they refused yo pay me back XXXX USDC. Ckaiming it was my fault that send the fund to the Contract address, it irreversible. That the fund was lost. I have enough proof to show, it wasn't my fault, it was USDC Creator, in this case the Coinbase has done something that lead to the fund sent to their wallet instead of mine. 
Transaction detail on Block : XXXX XXXX XXXX I even left the comment in there.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

Have attempted multiple times to submit Freeze on XXXX  website, following their online instructions. When I attempt to submit I get a message telling me that I can not submit a Freeze at this time. 

I have attempted to call XXXX  and can only get to a voice message that instructs on how to get a Credit report & how much it will cost.
Consumer complaint received 2023-01-17
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. (TN)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 2020-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DE)

I opened a Citibank checking account on XX/XX/XXXX under a promotion to earn XXXX AAdvantage miles if I deposit {$15000.00} in new funds ( within 30 days of account opening ) and maintain the balance for 60 calendar days. On XX/XX/XXXX, I contacted Citibank at ( XXXX ) XXXX to inquire about the status of the promotion. A bank rep reviewed my account and stated I have met the requirements but it will take about 90 calendar days of meeting the required activities before the bonus points is posted. I waited until XX/XX/XXXX and the points still have not post. I call Citibank again to inquire on XX/XX/XXXX. The rep reviewed my account and stated I did not qualify for the bonus because I did not deposit $ XXXX within 30 days of account opening. I asked the rep to ( a ) review my account notes as to why the prior phone rep have confirm my promotion qualification and ( b ) check the external history record where it show a $ XXXX was transferred from an external financial institution. The rep could not locate any notes from the XX/XX/XXXX conversation. She viewed my account and said that although I deposited $ XXXX by XX/XX/XXXX, as a new bank account the hold period take longer and funds were not available until XX/XX/XXXX. Since XX/XX/XXXX is beyond 30 days beyond account opening, I do not qualify for the promotional bonus. 

According to my bank record, I deposited $ XXXX by XX/XX/XXXX and Citibank should not use fund availability date for calculation to deprive my account of the bonus. The terms of the promotion state " deposit {$15000.00} new-to-bank funds in the Eligible Checking Account '' not funds availability. Copy of screenshot of promotion terms attached.