davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I am a XXXX veteran that was approved for property tax exemption that became due on or after XX/XX/XXXX. I have submitted the required letter to my mortgage company, Freedom Mortgage on multiple occasions. Additionally, I have submitted the tax exempt letter in XX/XX/XXXX to XXXX XXXX XXXX and XXXX XXXX, where I reside in PA. I have requested multiple Escrow account analyses in order for my new, tax exempt payment to be reflected in my mortgage payment. These were requested in XXXX and XXXX. All Escrow Analyses came back with an increased mortgage payment due to my account having an escrow shortage of {$160.00}. This was communicated to me due to an increase in my homeowners insurance, which was increased by {$96.00} effective XX/XX/XXXX. 
I was contacted in XX/XX/XXXX by XXXX XXXX, Tax Officer in XXXX XXXX, PA stating that Freedom Mortgage incorrectly paid my tax bill to the county and township and that I would need to be issued a refund check considering I am exempt. I have since received my refund check from XXXX XXXX. 
To date, my account with Freedom Mortgage is still not reflecting a new lowered payment amount and still does not reflect my property tax exemption. 

I have contacted Freedom Mortgage via phone and their message center and have gotten no resolution.
Consumer complaint received 2023-07-11
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 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 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 XXXX
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLY FINANCIAL INC. (MO)

Someone fraudulently opened an Ally Bank " Everyday Cash Back '' MasterCard using my credit information and under my name and social security number. When I received the notification that I had been approved for the Ally credit card ( that I absolutely did not apply for ) I immediately called Ally 's fraud and security department to report this fraudulent activity. I was tossed from one customer service representative to another without any real explanations why. Each representative asked for my full social security number, and when I told them I was nervous about giving it to them because obviously my SSN had already been compromised, they told me that was the only way to confirm my identity. When I finally reached someone in the security department that said they could help me, this costumer service representation told me she could " lock '' the account so it can't be accessed, but she couldn't close the account because it had been opened too recently ( the same day as my call ) and still needed to be processed. They asked me to call back the next day to fully close the fraudulent account. When I called back the next day, the lady I spoke with said they would need to do an investigation before fully closing the account. This is not what I was told the day before. Then I was told I needed to wait 7-10 business days for documents they would be sending me in the mail to fill out and then send back, in order to " get more information for the investigation ''. So I'm supposed to sit here and take their word that my account has been locked and the perpetrator can't access those funds? There is no way for me to actually know that someone hasn't already spent the whole limit of the credit card by now. They could have maxed out the card and I would have no idea. This has been a very stressful situation and I've tried getting it under control as fast as I possibly can, but Ally has not been helpful in the least bit. No one seemed to know exactly how to handle this or what to tell me. This can't be the first time someone has had their identity stolen and was used to get an Ally credit card. So why isn't there an immediate action SOP in place for situations like this? Altogether, Ally was not an easy or helpful company to deal with this incredibly stressful and harmful situation.
Consumer complaint received 2018-09-07
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. (IL)

first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

INQUIRIES 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 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 XXXX  The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX, XXXX, XXXX  The following personal information is incorrect. The personal data reporting is inaccurate.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Bridge IT, Inc. (NC)

I have been a customer of Brigit since XX/XX/2022. Brigit offers pay period loans as well as credit builder loans and financial planning services via their app and website. I used their payday loan service and often tracked my spending on the XXXX version of their app as I own all XXXX devices. I was mostly satisfied with their services until I tried to buy a home. Two days before closing on the intended home the FHA loan underwriter requested an official account statement from Brigit to ensure that I did not owe a balance to the company or that I was repaying the payday loan as outlined by the agreement between Brigit and I. After searching the app and the official Brigit website I could not find a source to procure an official account statement or any other documentation that could satisfy the requirements to be accepted by the FHA loan office. I reached out to Brigit via their email as their website declared that their preferred method of contact for customer support. I was emailed back the following day a person named XXXX whom I can only assume must be employed at Brigit as a customer service agent as she did not disclose her title within the company. XXXX stated that Brigit was not a bank and thus not obligated to provide me with an account statement. I immediately replied to XXXX 's email asking if there was any other official documentation that could prove any good standing between Brigit and myself. My replay has been left unanswered for over a business day and still has yet to be answered. This caused me to look for other resources and my discovery of CFPB and the XXXX XXXX. After this research I reached back out to Brigit by replying to XXXX 's email again informing her of the information I had gathered and if I was not properly assisted in a proper time frame and if Brigit was not going to comply with US Federal law I would be reporting the company to CFPB and seeking legal action. Due to negligence and non-compliance of Brigit I could be penalized by being denied my almost complete FHA mortgage opportunity, causing me tremendous financial loss, placing a negative impact on my credit, and leaving me homeless. Brigit has still yet to rectify the situation.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Letters to Equifax Dated, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, each with canned responses and no acknowledgment of the data breach bringing all of the accounts in question into question on accuracy.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX ( {$810.00} ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX  XXXX ( {$200.00} ) XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Thank you, XXXX XXXX aka XXXX XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 chase bank had closed my account due to fraud checks that were deposited in my account. The checks were officially seal checks from the controllers office because I am an XXXX XXXX XXXX XXXX XXXX XX/XX/2023 they were supposed to send a check with {$3000.00} from the account they closed but never did. They mentioned that they needed to verify that the checks were real and then they would release that hold and send over my money. Its been 2 months now and they still will not release that money to me. I have called multiple times and given them numbers from the controllers office to verify those checks and they claim they are not a business number. They still refuse to help me to get my money back to me. It is now XX/XX/2023 and they are still refusing even when I gave them numbers to call to verify those checks. This has been going on for too long and I just dont know what to do or my next step to get my funds back. They are still claiming that they can not get a hold of the state office or the number I have them is not a registered business number. I just want to get my hard work money back so I can pay bills.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

Support case number XXXX. Coinbase Company I have received no satisfaction I just want the money drained out of my account to be returned to me, and then my account closed. 
Amount was over XXXX They sent me a message saying my case was closed, and can not be reopened. 
I do not understand. And I still do not have any access. Or my money? 
Original date of problem was XX/XX/2021 2021
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

There are a number of addresses on my credit reports that are not mine. I am attaching my current driver 's license with my current address. I've contacted the three reporting agencies and requested that the addresses be removed and they advised that they could not remove them. Per the FCRA I am entitled to fair and accurate reporting in all areas of my files.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am a co signer on a mortgage loan with my daughter for the account of XXXX XXXX and was never made aware of any payments being late or was not included in a repayment plan. I found out about this only by noticing a decrease in my credit score and upon further investigation seen this loan had 4 late payments reported. I contacted the company and verified that I personally had never been sent any notices to my address, email or contacted by telephone. All notices was sent to the loan address and all dealings was only completed by the borrower without my consent or awareness. I have asked the late payments be removed by this company and it has not been done.
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

XXXX XXXX is attempting to collect a debt that is not owed by way of XXXX XXXX   XXXX, XXXX. The amount not owed is XXXX and they sent the letter to my ex-wife and she was stress out and so were my kids. This account was discharged in Bankruptcy court. The account is XXXX. The phone number is XXXX. A month ago, I called XXXX XXXX and they sent me accidently to Portfolio Recovery Associates and demanded I pay XXXX dollars. I told them that I this was discharged in Bankruptcy court. 2 days ago, I called Portfolio and talked with an associate on account number listed above and they demanded XXXX payment. I told them I would contact my bankruptcy attorney and I did. However, the bankruptcy attorney told me that he is no longer working as my bankruptcy attorney and I had to find another attorney. This is why I am contacting your organization. My ex-wife does not owed this money and neither do I because it was in the bankruptcy chapter XXXX. I filed in Colorado and my divorce was in Colorado. The bill states " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay the debt, may restart the time period for filling of a lawsuit against you : but even if that were the case, we still will not sue you on this debt ''.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAROLINA FINANCE, LLC (VA)

There is a recovery place that has called me multiple times in a different state in which I do not reside that I was visiting over the holiday weekend. He contacted me on Saturday XX/XX/XXXX. Spoke with him gave him what my address was and told him that I did not reside in the state that he was contacting me from. Gave him what my address was. Was supposed to call him back but I did not. His name is XXXX XXXX he told me he was a recovery agent. The phone number he has been contacting me from is XXXX. He left me a voicemail that he will put an alert out for my car where i Can be pulled over on the highway and have it towed in. He said he was an investigator with the state. I have not since spoken with him since the XXXX but this voicemail came through on XX/XX/2018. For him to even say he can do this is a violation. He can not put an alert out on my vehicle and I dont know what kind of scare tactics he is trying to do but this is not fair treatment. Please advise. Thank you.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Hello! XX/XX/XXXX I sent two amounts of {$25000.00} and {$28000.00} to an account with Wells Fargo bank to pay the down payment of buying a house with XXXX On the same day I find out that the recipient 's account details that I received into my account were from a scammer XX/XX/XXXX I filed a complaint about the suspension of payment Also connected to the FBI, this organization has frozen these funds Since XX/XX/XXXX, I can not receive these funds in my account. I came to Wells Fargo bank several times, wrote letters and complaints, but never received the money
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WSFS FINANCIAL CORPORATION (MD)

On XX/XX/2023, XXXX XXXX went to the XXXX branch  of Wilmington Savings Fund Society ( WSFS ) and worked with XXXX XXXX XXXX to perform an international bank wire transfer in the amount of {$2700.00} to XXXX XXXX account at XXXX ( XXXX XXXX Code XXXX ) in XXXX. Beneficiary Partys XXXX No. is XXXX. To date, funds have not been received. WSFS has yet to provide a trace number, and XXXX bank in XXXX said they are unable to assist with the trace until they have been provided the trace number and a transfer confirmation number. Supposedly, a second bank wire transfer was made by XXXX XXXX with funds from an internal account at WSFS, and those funds also were never received by XXXX XXXX. XXXX XXXX confirmed nothing has changed with his bank account during this entire period. 

Calls have been made to XXXX XXXX, at WSFS, on numerous occasions, beginning on XX/XX/2023, and on at least ten other occasions, with no trace number yet available. On XX/XX/XXXX, I called XXXX XXXX at ( XXXX ), was transferred to the XXXX office of WSFS, then called her boss, XXXX XXXX, at XXXX, left them both messages to contact me, and have not heard from either XXXX of them. However, a XXXX from WSFS called me on XX/XX/XXXX and said she guaranteed a trace number would be provided to me today. XXXX made a similar statement on Fri, XX/XX/XXXX, during our conversation, and I never heard back from her on Fri, XX/XX/XXXX or Mon, XX/XX/XXXX. No response, as of yet as of XXXX XXXX  XXXX. 

At this point, all we want is for the {$2700.00} to be put back into XXXX XXXX account at WSFS XXXX branch. WSFS can figure out their issue of the bank wire transfers not being completed, if they so choose. Therefore, I understand a resolution is required within 60 days of submission of this complaint, so I expect the {$2700.00} be put back into XXXX XXXX account or we will have to other recourse but to seek legal counsel. 

Sincerely, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I can not have this information in my report, it is negative information, I do not want it under my name anymore. 
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
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was paid in a check from " XXXX XXXX '' on XX/XX/23. I cashed the check IN PERSON at a Bank of America Branch in XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX on XX/XX/23. The check total was {$500.00}. On XX/XX/23 there was a debit reversal for the full check amount of {$500.00} stating there was a duplicate deposit. That is impossible, as the check was cashed, not deposited. BoA stated that the check was cashed on XX/XX/23 and then renegotiated at XXXX XXXX XXXX XXXX  on XX/XX/23. I do not have an account with XXXX XXXX XXXX XXXX, nor was I given the check back after it was cashed. 

BoA has now refused to continue their fraud claim as they insist that I ( the customer ) have to reach out to the company that paid me back in XXXX to reissue a new check. BoA has stolen {$500.00} from me, closed all cases, and refuses to help get my money back.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly