davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

XXXX is inaccurately reporting late payments on my personal credit report. I am requesting removal of all late payments reported starting from XX/XX/XXXX and ending on XX/XX/XXXX, in accordance with applicable laws and regulations. These false claims have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. I highly recommend that you generate verification that the Credit Bureaus have been reporting accurately in accordance with the Fair Credit Reporting Act regulations. I am also requesting documentation proving the validity of the late payments reported by XXXX. At this time you are in violation of 15 USC 1666b. I was never 30 days/60 days/120 days late on any of my payments. I would also like to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we have both agreed upon. I would also like to pursue a refund for my original down payment of {$2000.00} paid to XXXX XXXX due to fraud pursuant to 15 USC 1635 and 15 USC 1662. I am requesting investigation as soon as possible and confirmation of the resolution. Thank you.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$80.00}
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I am writing because I have disputed this information several times to no avail. Equifax continues to " verify '' a tax lien that is inaccurately reporting on my credit report. I have also requested method of verification which I never received. According to FCRA, Equifax has 15 days to provide method of verification or they must remove this inaccurate information from my credit report. Furthermore, tax liens are to be removed XXXX years from the date it was filed. According to the most recent Equifax report, this tax lien was filed XXXX XXXX, XXXX. This tax lien should have been removed last month on XXXX XXXX, XXXX. Please remove this inaccurate public record from my credit report immediately and send me an updated copy of my credit report once this has been completed.
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (ID)

IN XXXX 2016 I PLACED AN ORDER TO XXXX. ADDED TO THAT ORDER WAS A {$300.00} XXXX. I RETURNED THAT PART TO XXXX. I HAVE A THICK FILE OF PAPER WORK TRYING TO GET THIS RESOLVED. ON XXXX/XXXX/16 I RECEIVED THE 4TH LETTER FROM MY CREDIT CARD CO. TELLING ME I WILL PAY THAT AMOUNT TO THEM. ON XXXX/XXXX/16 I RECEIVED A EMAIL FROM XXXX STATING THEY REIMBURSED MY CARD CO. PLEASE HELP.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-07-20
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. (MI)

In accordance with the fair credit reporting act XXXX  account has violated my rights. 

XXXX : Account # XXXX 15 U.S.C 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 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-05-08
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

This compliant is about Coinbase. I fully appreciate the risks of trading cryptocurrencies, however their false and misleading information caused me to lose money, and their lack of accountability is unacceptable for a publicly traded firm. 
By way of background, I sent XXXX ( XXXX, also known as new XXXX or XXXX XXXX ) to my Coinbase wallet, to the address provided by Coinbase in my account, which was confirmed on XXXX. When the XXXX did not show up in my Coinbase account, I started looking what might have happened. Apparently, Coinbase only supports XXXX XXXX  ( referred to as XXXX on the XXXX website - https : XXXX ). XXXX underwent a swap to XXXX and has a different logo. Coinbase uses this new XXXX logo and symbol XXXX, but apparently, they only support XXXX. 
After many attempts to contact Coinbase ( all you can get are automated replies ), I finally got an agent who said that the coins would likely be available when Coinbase swaps XXXX to to XXXX ( the new version ). Per Coinbases website, this was to occur by the end of 2021. I have a copy of the webpage stating this as well, but they have now changed the page to remove the 2021 notation. 
I asked Coinbase to either return them to the Metamask wallet from which they were sent or liquidate the XXXX to Ether or USD within my Coinbase account. They said they could not do this, which is incorrect as they are working on the swap of the coin and do have access to my wallet, so whether internally or using third-party programs, they could effectuate the swap. 
After filing a formal complaint with Coinbase ( and it taking them over a month to respond ), they said that they owed no responsibility, citing Section 2.3 of their User Agreement which provides that Coinbase only supports certain cryptocurrencies and is not liable when you transfer unsupported cryptocurrencies to your Coinbase. This is a legitimate position on their point if the issue were that I just sent the wrong coins to my wallet, however the issue here is not that they do not support the cryptocurrency it is that they displayed false and misleading information about the cryptocurrency that they do support, which compelled me to transfer the wrong coin, and then they claim it is out of their control and lost ( which is in conflict with them also saying the coins will be available once they complete the swap to XXXX, which was supposed to be done by the end of 2021 ). 
I am happy to talk through the situation with a representative who understands crypto and how transfers are made. As noted, I would usually take full responsibility for sending the wrong crypto or sending to an incorrect address, but that was not the case here. Coinbases false and misleading information led me to improperly transfer the funds, and they should be help accountable. 
Thank you for your assistance. 
XXXX XXXX
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest US banks. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

my mortgage holder people wanted me to give them illegal information on mt tenants rental application & rental agreement and I told them that I was not to jail for them because that is against the law and they called me and told they ca n't complete my modification with those XXXX items. so here we are.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (GA)

I transferred {$8000.00} to Binance US in XXXX and XXXX. I got a new phone number and can no longer complete phone verification of my Binance US account and no longer have access to my account. I have put in several support tickets with Binance and they do not respond to their requests for help. They need to send me my money or call me to assist me with my account.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I have recently checked my credit report and I am showing XXXX late payments on my account due no fault of my own. I requested that my statements be mailed as soon as possible to a different address due to me leaving town on an emergency and not having computer to pay for it online as I usual do. I was informed that this understandable and that all payments were received on time as arranged with the reps. I do not understand why I have XXXX late payments showing on my report when I made a payment arrangement each time and was told I had nothing to worry about and everything was taken care of.
Consumer complaint received 2022-07-20
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. (TX)

This is NOT a duplicate issue, XXXX XXXX is not taking the collection off my credit report. It clearly shows they have it under a collection account. IT WAS AN AUTO LOAN AND NEVER A COLLECTION. They will NOT change this and its affecting my credit trying to purchase a home. The account is now XXXX XXXX XXXX and I just want them to acknowledge it and delete the account, they can do this, they can make this right.
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (OR)

I made a check deposit on XXXX/XXXX/2015 at Wells Fargo bank in XXXX oregon yesterday and because the bank created an overdraft two times in 6 months they put a 10 day hold on the check we checked the account the check was drawn on and the check was paid. I called wellsfargo and informed them that the check was paid last night and that I wanted the money made availe I was informed that was n't going to happen. 

Yesterday as every month I made payments to my credit card it was noted and pending yesterday but today the payments are not there the bank said I did not make the paymentsAnd that my balance is XXXX+ this is how the bank causes an overdraft they force this by deceptive practices This has got to stop it is unfair that a bank can keep me from paying my bills with my money and that a draft that they have gotten paid on remains on hold this was never disclosed to me at the time of opening the account.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is NOT a duplicate issue, XXXX XXXX is not taking the collection off my credit report. It clearly shows they have it under a collection account. IT WAS AN AUTO LOAN AND NEVER A COLLECTION. They will NOT change this and its affecting my credit trying to purchase a home. The account is now XXXX XXXX XXXX and I just want them to acknowledge it and delete the account, they can do this, they can make this right.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (SC)

This is my multiple endeavor to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please remove all these accounts in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$290.00}
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MT)

HELP! for two years, my mortgage company has been dragging me through the XXXX XXXX XXXX claiming they're "... doing everything to help. '' A SALE DATE HAS BEEN SCHEDULED FOR XX/XX/XXXX, THIS MATTER IS URGENT! 

In XXXX of XXXX, when the country shut down because of coronavirus outbreaks, my primary source of income and employment disappeared. I worked as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructor with the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. When stay- at-home orders were put into place, work disappeared. As the pandemic progressed, most of the studios closed permanently, and university cutbacks eliminated many adjunct positions. 

In XXXX of XXXX, I contacted Selene Finance about Loss Mitigation. I initiated the application process, which began my two-year journey with that dysfunctional company that has destroyed me mentally and physically. AND NOW I MAY LOSE MY HOME! 

I have hundreds of documents that record this heartbreaking experience. Phone calls that begin as chastisement then end with admissions, on their part, of how poorly organized and unprofessional they are. " It's like talking to a XXXX XXXX XXXX, '' complained XXXX XXXX, a Selene employee assigned to my case as a mediator to help wring some answers from the black hole that houses their underwriters. You ask a question, and the answer is so cryptic and unhelpful that it might as well say, " Not today. '' Once an inquiry crosses the XXXX XXXX, an answer never comes back. 

When the process began, they said to call every couple weeks, to check on the progress of their assessment, but they have 30 days to make an initial decision. You can call the DAY THEY MAKE THEIR DECISION, to make sure they have everything they need. They say everything is correct, then a week later, they send a letter stating they didnt have what they needed. Im denied BECAUSE I DIDNT SUBMIT DOCUMENTS.

This process happened over and over again. They said to try sending everything via email, fax and USPS, so they wouldnt lose anything. I did. I highlighted, initialed, labeled, color-coded, and more, but nothing works. The Housing Assistance Fund for Montana could help, but they need a No Help letter from Selene, which they wont give BECAUSE THEY SAID THEY CAN HELP. But the letters always say Im non-compliant, so I cant get assistance, from anyone. Im their hostage, and now they have my home, which Ive lived in for 20 years. My XXXX mother and my son, who is dying of XXXX XXXX, are also victims of Selenes deception, manipulation, I dont know what word to use. I just know its wrong. 

This XXXX  feels intentional. Its heartbreaking because I would have had the entire amount to pay off the past due, but these delays sink my even deeper in debt. + Ive attached the latest set of documents that I just sent to Selene Finance. I have two-years-worth of documents. Ive also included the sale notice, which makes me cry every time I think about it.
Consumer complaint received 2015-10-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I were looking to get approved for a FHA loan to purchase a home. I was recommended to XXXX XXXX from a co-worker. I called him and asked him questions on if we are eligible for an FHA loan with Wells Fargo. He told me yes and I even have an approval email from him stating he can get us approved. Next my wife and I filled out XXXX + pages of paperwork signed back to him. After 2 weeks I did not hear from him so I emailed him for an update. He states we were denied and he could not help us. He did not disclose why were were denied. My wife or I never met him in person and when asked to do so he declined. After this experience, my wife and I was approved by private mortgage company. Since then my wife and I have experienced many identify fraud alerts. I feel XXXX took advantage of us and our sensitive information. I am worried about the sensitive information that was shared with XXXX may be used illegally.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that maXXXX exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I filed a XXXX XXXX Bankruptcy, in which my loan was reaffirmed with JP Morgan Chase .The reaffirmation agreement amended the terms in my XXXX modification agreement. 

My annual Percentage rate of interest was 2.3750 % variable prior to bankruptcy 2.3750 % fixed rate with the reaffirmation agreement. 

I did not realized that Chase was not applying the correct interest rate until XXXX of XXXX, when I started the process of refinancing my mortgage. At that time I reached out to Chase to rectify this error. I submitted the reaffirmation agreement which clearing shows that my interest was reaffirmed at a fixed rate. 

I requested multiply times a refund of overpayments which they applied toward my interest, and for last three months I have been going back and fourth with their escalation team and received no resolution. 

They have been applying an interest rate of 4.750 % and it should be 2.3750 %. 
I am now requesting a refund for the overpayment.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

There were XXXX payments made for XX/XX/XXXX. A wells fargo rep said she did the paperwork to skip XX/XX/XXXX 's payment. I just checked and they auto-withdrew from my account for XX/XX/XXXX and I was counting on having that money.