davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute a chapter XXXX  bankruptcy ID # XXXX  listed o my credit for over a year now. I keep getting notifications from Experian, XXXX and XXXX stating the information has been verified from XXXX XXXX  and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX  about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

Just over a month ago my wife and I had money stolen from us as part of an apartment scam. Its evidently more common than you realize. Financial transactions were processed using Venmo, making it a facilitator and resource for both fraud and potentially money laundering. When I realized that we had become victims, I immediately filed a report with my bank, filed a police report and called Venmo directly to make them aware of the fraud and request that the transaction be stopped. I was told point blank that there is nothing they can do and that they dont hold liability for transactions made through their app. Their support team told me that they never give refunds per company policy. This seems ridiculous and makes you wonder how many fraudulent transactions are being made through Venmo and PayPal? 

Most importantly I just want the money that we lost back. Im currently on unemployment, and the money that we were cheated out of was from my unemployment benefits, adding another layer of deceit on the part of this corporation which clearly doesnt care about its users, nor protect them from fraud. Ive contacted them many times via both their website and phone to no avail, only receiving the same answers with zero empathy or actual support. And theyve chosen to ignore the fraud and maintain a NO REFUNDS policy across the board instead. Ive made every effort to resolve this matter with the company over a months-long time period, and theyve consistently denied to even talk about it with me. They also told me that I can not file a complaint with them and that I should contact my bank, although my bank only sent the money to pay for the transaction, but didnt actually process it itself, instead using the third-party app. The bank also wont offer any type of refund and they deny any responsibility, placing the blame solely on Venmo. So, there were a lot of fingers being pointed when I first started reaching out about this. 

Im seeking reimbursement for my wifes and Is money lost through the fraudulent Venmo transactions totaling {$1100.00}. This has been a tremendous financial burden for us. I have screenshots showing transaction information, as well as the police report numbers and other supporting documentation. 

In desperation, Ive reached out to a few organizations that protect consumers in hopes of receiving a refund. I also hope that that at least one of these consumer protection organizations further investigates Venmo to determine how rampant fraud is, and whether transaction laundering and money laundering is occurring through Venmo transactions regularly.
Consumer complaint received 2018-08-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

I had to take my car for inspection and it failed costing me over 300.00 to fix. I was unable to make the monthly payment to XXXX XXXX and reached out to them for help and I was told I could not defer the payment for XX/XX/XXXXand was informed I would receive late fees. The was explained to them several times. On Friday XX/XX/XXXX I received 21 phone calls from XXXX XXXX. I stopped taking their calls because I informed them that as soon as I was able to make the payment I would do so and that since the account was opened I have made all my monthly payments on time. I have gone as far as blocking their number and they would just call from another number. I dont know how many times I have to explain why the payment was not made.
Consumer complaint received 2018-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2018 PayPal advised me that Id have access to my available balance of {$500.00} 72 hours after I withdrew {$250.00} in two separate withdrawals to the same bank.

It was cancelled and reversed for no apparent reason but them gaining interest on holding the funds in reserve and not instantly transferring them like the advertise on there website. So I tried to withdraw my balance again a few days later for {$430.00} and the same exact experience that was happening to me, happened again, now I filed a dispute and then they decided to close my account and tell me I have to wait 180 days and theyll let me know when I can withdraw my property of money earned by me as a small business owner, Im fed up, I want them held accountable for false business practices and scamming people.
Consumer complaint received 2018-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

In XX/XX/2018 I disputed an inaccurate item on all three of my credit report, XXXX, XXXX, XXXX. The item I disputed was XXXX XXXX Account # XXXX. All three of the credit Bureaus reported back by saying it was verified. In XX/XX/2018,,, XX/XX/2018 to be exact I wrote a certified letter to XXXX XXXX to the address listed on my credit report as XXXX XXXX XXXX, XXXX, SC XXXX requesting validation made pursuant to the Fair Debt Collections Practices and the Fair Credit Reporting Act. I requested the original contract of the original account contract and for it to be sent to me,, I am allowed to see the original contract by law. I was requesting that competent evidence bearing my signature, showing that I have contracted obligation to pay the debt. Well today is XX/XX/2018 and XXXX have yet to provide me with copies of the original contract signed by me XXXX XXXX. they have violated my rights. they have failed to respond to me by sending my proof that I own this account. they received and signed for my certified letter on XX/XX/2018 and todays date is now XX/XX/2018 and XXXX XXXX has yet to send me my documentations by mail. THIS ITEM IS NOT REPORTING ACCURATE ON MY CREDIT REPORT AND XXXX IS NOT FOLLOWING THE LAW, VIOLATED MY RIGHTS BY NOT RESPONDING AND SENDING MY PROOF AND SIGNED CONTRACT,, I HAVE ENCLOSED COPIES OF THE CERTIFIED MAIL RECEIPT AND A COPY OF MY LETTER I SENT TO THEM, COPIES OF THE DELIVERY TRACKING CONFORMATION, XXXX XXXX is being non compliance they have violated federal, law and is liable for the non compliance
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been a loyal customer of XXXX since XXXX when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with XXXX again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX  and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to XXXX was effective on XX/XX/XXXX for the full loan amount, but to my surprise, XXXX has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted XXXX to inquire about this misunderstanding, and after an hour on the phone, XXXX stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from XXXX nor seeing any improvement in my credit, I contacted XXXX again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting XXXX  and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, XXXX that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

Dear CFPM official, I opened an checking account with HSBC in XXXX, 2019. The bank advertised a promotion that if XXXX is directly deposited into the bank for three consecutive months, there will be {$750.00} sign on bonus. I set up the direct deposit immediately after the account opening and ever since saves more than $ 70k. I was also informed by the HSBC customer service in writing that the requirements for the bonus has been met and I just need to wait to receive the bonus.. 
I have never received it. After repeated inquiry, I was informed by another HSBC team that I was not eligible because one of the requirements is the first $ XXXX must be deposited within the 1st " calendar '' month after the account opening. This is a ridiculous requirement since the account was opened in the middle of a month and the payroll of my company, or probably any company, need time to process the change of the destination bank of the direct deposit. I consider this requirement unethical and intriguing. I kindly request HSBC to grant the reward. 
My checking account number is XXXX and my name is XXXX XXXX Thank you.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TN)

CitiBank closed my credit card account ending in XXXX which is a direct violation of 12 CFR 1026.11 TREATMENT OF CREDIT BALANCES ; ACCOUNT TERMINATION. 

I transferred my rights and interest in the original instrument to CitiBank for offset and authorized the release funds held in escrow to offset the balance. 

UCC 3-103, TN Code 47-3-203 both give me the power to transfer my rights CitiBank for them to release the funds held in escrow pursuant to 12 CFR 1026.11.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (CA)

The inconvenience that I'm having with CMRE is that I have a medical bill that they're collecting on, thing that I didn't knew it was that I still owed that when I thought that everything was already paid since I had paid other medical bills, The problem is that time later I check my credit report and there is a medical bill from them and I never got a notice or warning at all and then I call CMRE with the intention to pay to get it removed out of my credit report but they refused to because apparently they do not remove or request deletion to the credit bureaus once they get their accounts paid, but I explained the situation very clearly that I never got any notice of this bill ( literally how do they expect me to pay them something I didn't even knew I owe before it was placed into collections! ).
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

On my previous home refinance, Wells Fargo home mortgage recorded documents on the sales incorrectly, putting in their document the wrong page and numbers on the Deed of Release, dated XX/XX/2011. 

Per our Title Agent, the data entered by Wells Fargo was : Book XXXX, Page XXXX The correct information is : Book XXXX, Page XXXX This error by Wells Fargo is now impacting my upcoming home sale closing date. This is a mistake I was entirely unaware of, and now Wells Fargo admits the error but says it will take 20 days to correct. This error by Wells Fargo with a lack of timely correction will have a financial impact on both me as seller and the prospective buyer of the house.
Consumer complaint received 2018-08-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I called Experian XX/XX/18 to ask why Experian was violating FCRA guidelines by displaying inaccuracies in my credit file. A supervisor at Experian " lied '' and said that XXXX answered the dispute on XX/XX/18 the same day the dispute was initiated. I asked again " When did XXXX respond to you and say the closed accounts were open ''? And Experian said XX/XX/18. Experian blatantly lied to me and said that XXXX sent an updated response when in reality that was a lie. Experian should be investigated because they got criminals on the phones lying about everything. XXXX is also criminal because they're paying Experian to lie about inaccuracies.
Consumer complaint received 2022-07-25
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. (IL)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated of XXXX  - Account # XXXX But how is this possible if the following information has come back inaccurate : Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. 

This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

We have sent in the entire short sale packet to Wells Fargo including the offer as of XX/XX/XXXX. The negotiator actually acknowledged the file being complete as of XX/XX/XXXX. Then we received a letter from the Homeowner stating that Wells Fargo is foreclosing on his house on XX/XX/XXXX. We have actually been sending short sale documents ( homeowner 's documents ) to Wells Fargo since XX/XX/XXXX but recently got an offer in XXXX. The offer was acknowledged and we are actually undergoing a value dispute review at the moment which we were told, could take up to 10 business days to complete, so it is completely strange that Wells Fargo would put a foreclosure date less than 37 days before the date they assigned and then sent the letter to the Homeowner less than 30 days before the foreclosure date. We were told by Wells Fargo that they can't help us postponing the foreclosure date despite the fact that we are in the middle of short sale negotiations and to reach out to the Foreclosure attorney. Knowing that this is not how foreclosure processes work, we are appealing to CFPB in order to assist in postponing the foreclosure date. On top of this, the homeowner is dealing with a very hostile tenant and is undergoing a difficult tenant-landlord situation.
Consumer complaint received 2018-08-18
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. (CA)

Account not in collection since 2013, information is wrong and should be deleted. Account paid off. I have already submitted proof ( a receipt ) that the account was paid off however, it still shows in collection ststus.
Consumer complaint received 2018-08-17
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: Experian Information Solutions Inc. (TN)

It has almost been a year, since XX/XX/XXXX, where I have sent in my first round of dispute letters ( i.d theft affidavit and police report ) for you to remove the fraudulent information from my credit report in violation of 15 USC 1681.

This is my second time since XX/XX/XXXX on contacting the Consumer Financial Protection Bureau, and since then I still have no results on the fraudulent information being deleted from my report. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application.

On XX/XX/XXXX, I certified mailed Affidavits of Truth and Facts to all 3 bureaus about removing the left on fraudulent information from my report. You have not provided me a copy of any original documentation that you have on fine. Under section 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified.

On XX/XX/XXXX, I mailed a second written request to all 3 bureaus, under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These 3 bureaus have had well over 60 days to complete these actions.
Consumer complaint received 2018-04-14
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: WELLS FARGO & COMPANY (UT)

Victim of fraud. The person committing the fraud was charged, and found guilty. Even with nearly 200 documents of police reports, and evidence showing I was the victim of fraud, the creditor is still unable to relieve of the responsibility of the debt.
Consumer complaint received 2019-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (VA)

Commonwealth Financial Systems added several account to my credit report. I requested a letter of validation in XXXX and they have fail to send me any documentation proving that the debt is mine. Ive also ask them to remove it from my credit and they still havent.
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

disputed with company on in XX/XX/2018 company recieved my disputes that same month according to certified mail. It is now XX/XX/XXXX and i have yet to hear back from company. the FCRA gives the company 30 days to respond, i have not gotten a response.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.