davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A )  of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (KS)

{ Cell PhoneThis is an XXXX debt { Cell Phone } that I did not create or have anything to do with. I first learned of this XX/XX/2019 via a collection call, I informed the person at that time, this was not my debt, and I had nothing to do with this. i told the at this time if they would send me all info I would pay this and than turn it over to/ an Attorney I did not hear anything for monthe until I wa ssinformed by Our Tax preparers XXXX XXXX about this being turned into collections, at that Tiem I notified the Credit reporting agency the facts about this debt, and this was taken off of our credit report records. about 20 days ago, almost two years after the face I received a notice from credence, I sent them the info steted and toldm them if I heard anymore about this I would thrn this over to an attorney. this is ridiculous This is not, or ever has been my Debt.
Consumer complaint received 2020-11-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

In XX/XX/2020 we entered into an agreement with Freedom Mortgage to refinance our home utilizing an IRRL. From the onset, we discovered that the loan estimate was incorrect, as it included collection of property taxes, when we were not subject to property taxes, due to exemption for XXXX XXXX VA XXXX. We asked to have it fixed, it was never fixed. 
We were contacted over a period of weeks reference the errors, by underwriting and we provided all the necessary documents and presumed the issue was resolved. We were contacted in early XXXX to set a closing date, XXXX XX/XX/XXXX. At that time we expressed the need to have final disclosure documents. We were assured we would receive them, so we set a closing date, but did not receive final disclosure documents. 
The night before our scheduled closing we were contacted by the notary and we cancelled closing, based on the fact that we had not received final closing disclosure documents. I placed a call to Freedom Mortgage and was referred to an Escalation Specialist, XXXX XXXX who took our concerns and agreed to have the errors fixed. She asked for a week, and a week turned into months ; no action was taken. 
In late XX/XX/XXXX, XXXX XXXX, the loan originator reached out to us and said he had received news that we wished to withdraw our loan application. We expressed to him that we had not, and explained we were waiting on Freedom Mortgage to fix the errors we had described. 
On XXXX XX/XX/XXXX we received notification our loan was approved and that we should schedule closing. Therefore we called to schedule closing. We expressed to the agent that by law we should receive the final disclosure documents no later than 3 business days before closing. We were told by the agent, that it was not by law, it was by request and we needed to request those documents if we wanted them. We made an appointment for closing on XXXX XX/XX/XXXX. Later, we were transferred to XXXX XXXX and placed our request for the final disclosures. She assured us, that we should receive final disclosures by XXXX XX/XX/XXXX and she agreed to call us on XXXX XX/XX/XXXX to go over the disclosures. We did not receive disclosures or a call from Ms. XXXX. 
On XXXX XXXX we were contacted by the notary, to verify closing. We informed her, that we had not received final disclosures and that we would not be closing on XXXX XX/XX/XXXX, as scheduled. On XXXX XX/XX/XXXX, we sent an email to Freedom Mortgage withdrawing our application to refinance our home loan with their business.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CT)

I attempted to make 2 western union bill payments for the amounts of {$2400.00} and {$2400.00}. They were rejected by the bank I was sent them too. The bank has transferred the money back to Western Union, but Western Union refuses to refund me the money.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I contacted select portfolio, explained that a repayment arraignment would not work I needed a modification. I was told additional documents were needed. I received a request in writing of the documents with a date needed by. Prior to this date I receive another repayment plan. When I called and told the customer service agent what happen they said thats all I was getting, I explained all documents that were requested had not been submitted I was told " not neededI already have what they are offering ''. Please help
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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 2024-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (IL)

Hi - Ive had Gemini for about two months and today I tried transferring my crypto to a hardware wallet. It was the correct address, I verified my device ( it somehow didnt recognize the same device id been using it with for 2 months ) and then inputted the Authy code that was generated. It said your transfer requires additional review and can not be completed at this time. 

I emailed customer service to ask why this was. Is that the only way to reach them? 

Then, I ignorantly clicked to add approved addresses only to see if that would fix the issue. And inputted the correct hardware wallet address. Then it said I wouldnt be able to withdraw crypto to this address FOR SEVEN DAYS! XXXX! And clicking disable approved addresses only said the same thing - cant withdraw crypto for a seven day hold time! 

XXXX is going on with this company? Non-existent customer service, not open on weekends, delayed replies, a customer service phone number that doesnt even work. 

What do I do? Please help. I just want my Bitcoin and money back. 

Support Ticket IDs : XXXX and XXXX
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I had a Wells Fargo Home Mortgage from XXXX and started having financial troubles and missed a payment and they made it impossible to catch up, the only option presented was a deed in Lieu foreclosure which we were forced to accept. It is my understanding they have settled for their illegal practices and I feel we were a victim also.
Consumer complaint received 2022-03-02
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. (IL)

This is an ongoing dispute with Experian for two accounts that have remained on my credit report even after the Chapter XXXX bankruptcy public record was removed from my credit report. The public record was removed by dispute from my credit report due to inaccurate information listed on or around XX/XX/XXXX. Since that time, I have disputed exhaustively, to have the accounts deleted from my credit report for the below accounts. These are the accounts and dates disputed for each : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. Each dispute has come back accurate and verified, I would think from the respective creditor, but who really knows how it's actually being verified. If in the event it is actually being verified by the creditor, then their information is still incorrect. The account status and status date must match, and the status date that is being reported is incorrect and would actually need to match the filing date of the Bankruptcy that was removed.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Im not sure where else to turn. I tried to connect my citi Costco card to XXXX XXXX and tried to pay for dinner on XX/XX/2024, and they denied it and put a fraud alert on my card. I spoke to the fraud department, the said they couldnt verify my account when I told her I only had one telephone number connected with the account, then said they could not verify me and I will have to wait for a verification code. I never received anything in my email or mail. This was last Tuesday, they refuse to do anything else for me unless I give them access code. So Im never able to use my card again because I tried to pay for dinner? This is very confusing and I have no idea how to resolve this issue.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (OR)

This is the third time in the past two years that a collection agency has taken this same tactic to collect {$1800.00}. I am assuming it is again a subsidiary of XXXX XXXX XXXX that has falsely claimed that I used their services and owe them debt. I have disputed and cleared the previous two errors ( or so I thought based on meaningless follow-up communications ). I would try again to work with this new debt collector, but this problem is too pervasive. How can XXXX XXXX XXXX and XXXX ( which was just sold this past week ) create erroneous billing records and then knowingly sell the unverified debt? 

I called Enhanced Recovery Co L at ( XXXX ) XXXX. I could not get past the virtual operator, who kept demanding account numbers ( that I do not have for this erroneous claim ) as well as my complete social security number ( not just the last XXXX ). I would never trust these people with my social security number. 

The debt collection agencies change in name, but use the same abusive tactics of submitting minimal, unactionable details only to the credit reporting agencies to damage credit scores in the hope of forcing some type of payment even though nothing is owed ( legitimate or verified ). 

I have never received any tangible, actionable details in writing or via a call from Enhanced Recovery. 

How long is this ridiculous practice going to go on? Why don't they have to provide actionable details before they inflict meaningful damage to credit scores with erroneous information? Will I ever be able to make XXXX XXXX XXXX to clean my details out of its system. By the way, I have not used any any XXXX XXXX XXXX  service in more than 20 years and I never will again either. I realize that XXXX was sold this past week, but any past billing matter would have been under XXXX XXXX XXXX 's ownership.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

A Capital One 360 checking account was closed out several years ago in 2018, closeout check was never received, appears lost/stolen, no funds received to date. Capital One rep, XXXX XXXX, attempted to reply by inferring the person whom may have intercepted check/cashed it, is related which is irrelevant.. The check was sent via XXXX while I was on vacation, intercepted, cashed by a third party, signature forged. I believe Capital One reps are well aware of this, refuse to reissue check in amount of {$4200.00} and or reissue affidavit. I was referred back to cashing bank, XXXX XXXX, in which case they requested another affidavit. The rep replying on behalf of Capital One, XXXX, has referred back to XXXX XXXX but refuses to reissue affidavit. XXXX also refuses to do the same, another rep replying on behalf of Capital One.
Consumer complaint received 2018-05-07
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. (VA)

On XX/XX/2018 I asked Equifax to remove 3 fraudulent accounts that appear on my credit file. These accounts are now closed but they still are damaging my reputation as a consumer. I have Identified this accounts as follow. 

Account : Account No. Account Status XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX closed XXXX XXXX XXXX. XXXX closed XXXX XXXX XXXX has removed this accounts from my file within 4 days after I notified them. 
I will ask Equifax for the 2nd time to remove this fraudulent accounts from my credit file. 
by not removing them Equifax is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) (  a ) Block. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 
I have included in my first dispute a copy of XXXX XXXX County Police Department Case Report - XXXX which I am attaching to you as well. In response to my first dispute, Equifax is saying that they need to verify identification I enclosed my Virginia Drivers license and Social Security Card which I am attaching to you now. 

the bottom line is Equifax is giving me the RUN-AROUND and are failing to follow federal law FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have identified this fraudulent accounts that must be blocked within 4 days after you have received my complaint. it's being almost a month and you continue to report this accounts in my credit file. 

Please, either provide me with strict proof that this is my account such as a signed application or contract or recorded telephone call or delete the accounts immediately. If you ignore this letter and do not delete the fraudulent account or do not provide strict proof this is my account I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this Matter. 

I have attached the following Documents. 
1st. Dispute Letter to Equifax. 
Equifax response to my dispute XXXX XXXX County Police Department Case Report Virginia Driver 's License and Social Security Card
Consumer complaint received 2022-06-14
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: Velocity Portfolio Group (OH)

On XX/XX/2022 collection agency ( CKS Prime INVESTMENTS ) add a derogatory mark on my credit report per experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( CKS Prime INVESTMENTS ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2018-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NH)

In XX/XX/2018 I received a minor bump in pay. I did the right thing and asked XXXX to recalculate my monthly payment. Their website and recalculation application failed to mention anywhere that they would recalculate monthly income based on a person 's regular pay but also any overtime earned that month. My monthly payment amount skyrocketed. 

I contacted an agent who told me to resubmit using my tax return. I received no response after doing this. I called again and another agent informed me that the prior agent 's information was incorrect. They advised that I needed to wait until I had a paystub that didn't have overtime and resubmit again. 

In late XX/XX/2018, I resubmitted a new paystub for recalculation. I then received two letters less than two hours apart that contained two different recalculation amounts. No explanation was provided in either letter. I emailed and received a response on XX/XX/2018 indicating that the first letter was based on the income tax recalculation which was incorrect. The second letter was for the correct amount. 

On XX/XX/XXXX & XX/XX/XXXX I again received two letters with different recalculation amounts and no explanation for why I was receiving either one. I emailed multiple times and received no response. I just spoke to another agent and was told that the response from the agent on XX/XX/XXXX was incorrect, that this 3rd letter I received was an error and now the 4th letter with an even higher amount was correct. 

XXXX needs to improve their transparency with customers, their communication, and train their agents better.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

We have been fighting to get a modification on our loan since XX/XX/XXXX originally with XXXX XXXX XXXX XXXX.. long story, short, they did nothing until we filed complaint with BBB and finally offered a modification, which was n't great but we did not want to lose our home. We signed, paid them XXXX that did not go to fees, principal or anything at all and for 3 months all was fine ... then they breached the modification and said they made a mistake with escrow amount and the monthly payments went up approx 2k per month, which is the amount they knew we could not afford. We ended up in litigation with a Consumer Protection attorney for 5 years until XXXX was forced to cease operating by the US Justice Dept for disreputable practices. Our loan was then given to Ocwen, of which we have been trying all over again to obtain a real modification since XX/XX/XXXX ( 11 modification packages so far ) ... to no avail. Same thing all over again. We send documents over and over ... some lost, some ignored ... then a few months ago while getting another modification, we also are served foreclosure documents. We hire a lawyer and so far have been sent 2 more modifications ... we ask 2 key questions regarding the terms and they refuse to answer, then say the modification is being " pulled '' because we did n't sign and send money immediately. How is that legal ... do we not have the right to ask questions regarding legal terms that will be binding if we sign? Our attorney had a few conferences with the Judge in XXXX XXXX County, who he says simply feels we should sign anything they give us as we have n't paid the mortgage ( which we have been trying to work out since XX/XX/XXXX) ... There is a trial date set for the end of XX/XX/XXXXand we are told if we go to trial we will lose. So we are being sent another modification package and pray we will be given anything to modify, despite all reservations about the murky terms, principal deduction, balloon payments, etc we have already been advised of. Ocwen is no different than XXXX. We understand they are being sued currently for disreputable practices by 22 states as well as CFPB. We need help. We need guidance. We do not intend on losing our home. We have been working towards a solution with XXXX and now Ocwen for almost 9 years ... the truth is that they deliberately give us the run around ... and do not ever really want to help to modify a loan. I think their aim is simply to foreclose no matter what. Please help us. We can pay a mortgage, we want to work this out and to be able to even sell in the future if need be. Right now we can do nothing but continue to let attorney deal on our behalf, but are losing faith in that too. Thank you in advance for any help you can offer.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I'm currently applying for a pre-aproval mortagage loan. The company helping me with this process request a paid credit report from the 3 agencies EXPERIAN, XXXX, XXXX. XXXX and XXXX already release my credit information on XXXX XXXX. EXPERIAN still no release any credit report. 
I had been trying to speak to an agent calling their number ( XXXX ) XXXX for 2 days. Ofcourse it is totally impossible to speak with some one, the web-site does not have any email or other feature that can be used to resolve my problem. 
I'm a first time buyer and I'm afraid EXPERIAN is blocking my opportunity which is totally unfair.
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I advised XXXX XXXX XXXX that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. One of the items is for {$58.00}! When calling the company today they advised they will not remove the debt and I need to pay it or charges will be filed against me. I want all 3 items removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.