davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX  data breach & may have got into the hands of the wrong person.
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

Good day, I need to reopen my claim number XXXX. I never received the funds payment. The check was never received. 

I have since moved to a new address so please reissue the check to the new address below. I have attached a copy of my electric utility bill showing proof of my address. Please send it via trackable mail service. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-09-30
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. (NY)

On XX/XX/XXXX of 2020 I wrote TransUnion credit reporting agency a letter informing them that they are reporting inaccurate information about a Bank XXXX XXXX account ( {$6000.00} ) that do not belong to me. ( Plz see XXXX ). In my letter I asked them to plz validate the information with XXXX and for them to provide me with copies of any documentation associated with the alleged account. 

On or around XXXX of 2020 I sent a XXXX attempt letter to TransUnion to give them another chance to delete all of the inaccurate/unknown accounts that do do belong to ma. ( Plz see XXXX & XXXX ( b ) ). 

From or around XX/XX/2020 I made a XXXX request for Trans union to delete the fraudulent information they are reporting about accounts that do not belong to me. ( Plz see XXXX XXXX & XXXX - ( c ). Their response was that they completed their investigation and that they believe that the accounts belong to me. TransUnion never sent me any information that would validate this. I demanded for them to validate these alleged debts also to show how/the method which was used to validate. Also, I asked TransUnion how did you validate the alleged debts when the actual so-called creditors couldnt verify nor validate the debts themselves?
Consumer complaint received 2022-09-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NFM, INC (NC)

When applying for the loan we disclosed we had childcare expenses. 

We were preapproved, and not long after we put an offer on a home and it was accepted. 

Our lender sent us disclosures the childcare expenses werent on there, when I asked him about it he said it didnt matter that they were wrong, we just needed to sign the forms to move forward, so we did. 

Well now on XXXX theyre saying we do not qualify for the loan and we would need to pay down points and debt to qualify. 

My issue is they knew about the childcare well before we put an offer on a home, and they didnt figure it in to our loan amount. 

They are unwilling to work with us, at this point weve put {$2500.00} down for due diligence, weve paid inspections and had the appraisal done. 

I dont know if they were trying to be shady about the childcare or what, but we did everything right and everything we were supposed to and I do not feel they acted in good faith. 

I feel like they purposely excluded the childcare to get a sale, and once it came down to it, they got caught when they realized they actually legally need to Include it, but instead of blaming themselves or fixing the situation theyre trying to make us fork over almost $ XXXX just to qualify. 

This is not okay, we dont know what to do. I spoke to my lawyer and she told me to contact CFPB. 

I hope someone can help us. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I was in contact with XXXX in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. XXXX has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo stopped sending us paper statements without our authorization. We rely on paper statements to know when a payment is due. Because they chose to stop statements without our authorization, we missed one payment and didn't realize a payment was missed. The following month we realized we haven't received a statement for that month so we went ahead and sent a payment digitally not realizing the month prior was missed. This was back in XX/XX/2023. Weve since been sending monthly payments through our bank despite the fact that we havent received paper statements as requested. During this time, Wells Fargo attempted to contact us at a wrong number despite the fact that they had XXXX of our correct phone numbers ( our cell numbers ) on file. They did not attempt to call either of the XXXX correct numbers to alert us. Had they tried, we would have resolved it. Instead, they have been charging us interest month after month despite the fact that no other payments were missed. We are reasonable and offered to cover a singular late fee given the missed month, but we expect the other fees beyond the singular late fee to be waived given that we have been paying the monthly mortgage on time every single month on time and given that they were deceptive in stopping statements, calling wrong numbers ( despite having correct ones ). We have been a customer of Wells Fargo mortgage for XXXX years now and this is the XXXX time Wells Fargo Mortgage has stopped paper statements, which we rely on for payments, without our authorization. It is our understanding, by law, banks must make paper statements available for credit card, bank and mortgage accounts. The Electronic Signatures in Global and National Commerce Act, or E-Sign Act, allows financial institutions to swap paper bills and disclosures for digital ones, but only when a consumer consents. We did not consent to swapping out to digital statements. We are willing to pay a single late fee, but we are not willing to pay {$1100.00} in 2 years of late fees which Wells Fargo called a XXXX  effect for missing one month in XX/XX/2023.
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On around XX/XX/ my account was information was compromised without my knowledge and used to make multiple unauthorized transfer, payments and withdrawals. I also had several payments for services never received withdrawn from my account. When i contacted cash app regarding these transactions my account was immediately closed and I was not given any further assistance. Ive been trying to receive assistance in retrieving my stolen funds and Ive run into road blocks each time.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2019-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because XX/XX/XXXX refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.
Consumer complaint received 2022-10-17
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXL Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-17
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. (MA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX Account Number : XXXX ; XXXX XXXXccount Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2022-10-17
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXXRegions # XXXX 15 USC 1681 section 602 A 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 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-17
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. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

The collection agency has damaged my credit by placing this collection on my account after buying this debt or receiving it by assignment. The law clearly states that XXXX ) There must be prior consent given directly to the debt collector and there was no prior consent of the consumer given directly to this debt collector or the express permission of a court of competent jurisdiction and XXXX ) if a consumer notifies a debt collector in writing that the consumer refuses to pay the debt collector the debt collector shall cease communication. The debt collector continues to communicate as The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from the delivery company XXXXXXXX XXXX XXXX the Scammer ) and lost XXXX XXXX of my hard-earned funds. I advised Coinbase of this fact on XX/XX/XXXX, and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the financial institution never took that into account. Financial abuse includes criminal conduct such as fraud, theft or obtaining financial advantage by deception. However, what occurs may be improper conduct rather than illegal because : the act or omission may not be deliberately abusive or malicious, or a relationship of trust or dependence may cloud the question of consent. A fair and reasonable investigation would generate the following questions : 1. Did the financial institution make an error by processing the disputed transfers? Clearly, I was the victim of a scam, I was referred to the scammers after expressing an interest in investing online, I realized sometime after making the disputed transfers that everything was a scam and I was being scammed. In providing its services to myself, the financial institution is required by law to exercise the care and skill of a diligent, prudent financial institutioner. In this case, this means the financial institution should not turn a blind eye to known facts pointing to a real possibility their customer ( myself ) is being scammed. In other words, the financial institution must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known I was dealing with a scammer. 2. Did the financial institution breach any other obligation it owed to the complainant? I appreciate it is very challenging for front line financial institution staff to be alert to facts suggesting a real possibility a customer is being scammed. However, it was apparent instinct that transfers of the sort were not okay. As any prudent Banker should have doubted the circumstances and therefore contacted me, if for the sake of the argument they did indeed contact me and they were not confident in what to ask or tell myself, they could have transferred me to another employee ( such as a manager or someone from the financial institution fraud area, ) who could have questioned me further and had an appropriate discussion with me about the risk of being scammed. If I had still insisted on going ahead with transferring the disputed transfers after such a conversation, the financial institution would not be responsible for any resulting loss. I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money.
Consumer complaint received 2022-10-17
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. (SC)

XXXX XXXX XXXX Account XXXX I have no knowledge of this debt I did not receive notice of debt. I did not receive notifications of this debt. I no written contract with this agency. No validation of this debt. 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 2019-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I was browsing the Internet for a monetary exchange for an in game currency called coins and I came across this guy. After a short chat he seemed trust worthy and wished to exchange XXXX XXXX coins for {$100.00} ( 99 euro ) and I sent it to him using goods and services on PayPal ( offers buyer protection ). He told me that I needed to send it over Friends and Family ( no protection ) because there was some kind of hold on his money so I did because I have never had any problems with sellers in the past. So I sent 3 payments, XXXX, XXXX, and XXXX and after Id sent them, he kept stalling and did eventually ceased contact with me
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (TX)

My draft wasnt coming out but all the messages I received on there website claimed it was coming out I wasnt contacted about it until after XXXX days of being late no calls emails etc I was assessed several XXXX and late fees do to this I spoke with XXXX XXXX # XXXX he lied to me about his badge number XXXX so I told him I would trace the call so hopefully that is a badge number he first said they tried to reach me by email and then claimed they called XXXX when I asked if I produced my phone records and proved they never called he said I could send it but the decision was already made and I wouldnt be refunded. He refused to let me speak to his supervisor and said that he word was finall. I should be reimbursed for the fees and XXXX charges this company lied and keeps lying even when you have proof. I tried to produce emails and phone record to prove they never called they still wouldnt do the right thing and reverse the fees they just continue lying At this point its not even about the money its about the principal that a company would continue to lie and not try to correct their wrongdoing. Im assuming the webpage is automated and automatically said payment received even if it wasnt but waiting XXXX days to tell me payments werent going through and its close to being sent to collections and having to pay XXXX  months all at once to keep for going to collections because they neglected to inform you and there own website claims payment received. Never use XXXX the loan rate was average but customer service was horrific its by far the worse company Ive ever dealt with the is my first time reporting a complaint but its the principal they know they did wrong and lied and refused to correct it even when you can prove they didnt call email or try to notify you until after XXXX days and almost too late to pay I honestly believe they were hoping it would go to collections so they could use it as a tax write off