davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (AZ)

In XX/XX/XXXX2017 we started the process of refinancing our 2nd mortgage held with Ditech. The rate is 8.6 %. We attempted a few years back to refinance with Ditech ( formerly a XXXX loan ) to lower the rate but they would not do it. The new bank we are working with saw that the 2nd mortgage loan had two liens placed by XXXX. I contacted Ditech by phone to attempt to resolve the issue and sent an email on XX/XX/XXXX/17. They sent a letter with information that Greentree was now Ditech but I could not access the letter and was not the resolution to the issue. I called Ditech a few more times. When I have talked to the Ditech representatives by phone they can not locate the documents and could not help. On XXXX/XXXX/2017 I called and was told Ditech was going to do a title search. On XXXX/XXXX/2017 via email I sent copies of the two recorded deeds from the XXXX XXXX Arizona XXXX online service. I called Ditech on XXXX/XXXX/17 and asked to speak to a supervisor. I was told a supervisor was not available and they would call me. Ditech has NOT responded at all since I started contacting them in XXXX 2017. The rate is XXXX us and we will refinance but Ditech must be held accountable for the terrible  service and continued interest accumulation.
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMO Bank, N.A. (IL)

I am a victim of identity thief. I have 2 accounts that were open XX/XX/XXXX. I have taken numerous of steps to try to revolve this matter with BMO but I have yet to resolve this issue. I am a victim of my data being breached and the company that let my data be compensated has paid for a restoration service through XXXX. The restoration company representative his name is XXXX XXXX, he and I was been trying for over 3 hours today XX/XX/XXXX to get the process of BMO when there is an Identity thief case. We were on hold for 2 hours, we asked for supervisors and were disconnected numerous of times, we asked to be transferred to the fraud department and was disconnected numerous of times, and even after all of that we still have not received the protocol or the procedure to handle a victim of identity thief case that I am experiencing. There is no reason why this should be the experience of a consumer that is a victim of identity thief. With me being a victim of identity thief I should not have to get the run around to get Information to remove these BMO accounts removed from my report. BMO should not be able to not provide the information needed or should the be able to hang up the phone or not provide a representative or supervisor that can provide the procedure for this issue.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

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. 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 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 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. 
JPMCB CARD Under dispute Date opened XX/XX/XXXX Balance {$6000.00} Status Account charged off. {$6000.00} written off. {$6000.00} past due as of XX/XX/XXXX. 
XXXX ( VIOLATION ) OUTDATED INFORMATION/ NOT VERIFIED INFORMATION. 15 usc 1692c 15 usc 1692g ( b ) JPMCB CARD Under dispute Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
XXXX ( VIOLATION ) OUTDATED INFORMATION/ NOT VERIFIED INFORMATION. 15 usc 1692c 15 usc 1692g ( b )
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (KY)

Purchased 3 Vanilla Gift Cards one on XX/XX/XXXX of this year and the other 2 on XX/XX/XXXX of this year. All 3 purchased at 2 different XXXX We even alerted our local store to pull them. And they wont do anything about it.. All 3 with the amount of {$500.00} each. All were gifts for my kids for XXXX. They where purchased and put in my dresser drawer til XXXX XXXX. Then opened and tried to set pins on XXXXXXXX XXXX and I couldnt.. they had missing numbers and the security scratcher on back was already gone. I called Vanillas Customer Services to find out that they all have been compromised, have all been registered and had purchases on them. I had just taken them out if the package. They are having to do an investigation could take 7 days. On the back of them it says Member of FDIC distributed and serviced by InComm Financial Services , Inc . I just want to make sure I get my money back. My kids were so excited when we told them what we were doing ... to complete shock... I'm devastated.. I can't believe someone done this.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (MO)

On or about XXXX XXXX XXXX XXXX a bank teller, and XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, XXXX, MO branch. As a loyal customer of Regions Bank for the past XXXX years, I am appalled by the unprofessional conduct and denial of my request to withdraw funds from my checking account ( Account Number : XXXX ). This complaint solely seeks reason ( XXXX ) for the denial to withdraw funds from said check account and explains why XXXX XXXX denied the Complainant from closing said account that same date.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (VA)

I opened a chase bank account. I pay for overdraft fee and usually keep my balance above limit. I had XXXX over drafts paid for at XXXX cents. CHase closed my account. I called Chase to ask why my account was closed. They said it was overdraft and closed I couldn't open an account with Chase again. I asked why what did I do and they said they would send a letter. Chase has not answered my question.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NC)

My student loans were dismissed through the XXXX XXXX XXXX however, I still have a XXXX $ balance that says it is for " principle and interest. '' I have NO idea who my servicer is as, when you go to Mohela, it says that they have transferred my loans. But when you go to the studentaid.gov website it says I do not owe anything. 

How is it " fair '' that I pay " principle and interest '' that is being collected on a loan that has been deemed as fraudulent? I am starting over from ground up. I have no idea how I would even pay this money. I can not contact either of the servicers because the phones just hang up on you. 

I received a notification by mail that told me my Mohela account was being transferred some place ; I have no idea where now. My account on the XXXX website and my credit bureaus say it is Mohela reporting this. But when you contact Mohela they say they no longer have access to my records because it is being transferred. 

The credit bureaus did nothing with that report. They came up with their decision and nothing was changed. So, now I am back to square one trying to figure this out and not able to speak with anyone who will help me.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (NY)

I have reviewed my credit report, after full examination of my Consumer Report, showing inaccurate information. According to the XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information accurately to the best of their abilities. I have paid Debt Collector Caine Weiner in full and they responded with letter verifying it would be removed all of my Consumer Report immediately upon review it is negatively impacting Consumer Report, and reporting inaccurately.
Consumer complaint received 2023-11-26
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. (TX)

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I asked EQUIFAX for the reason why they would removed the credit freeze that I have had in place since 2011. I have yet to get a response. I have asked EQUIFAX if the removal of the credit freeze that I placed in 2011 is the result of their very public security breach to which they REFUSE to provide such information or supply proof of a request to remove it by me. For my own personal reason, in 2011 I placed credit freezes on all three ( 3 ) credit reports only for Equifax to remove it without my permission, when I learned several months ago, that someone accessed my credit report without my permission. In order for someone to do so I should have been able to provide a PIN number to remove it in order to gain access to it. Instead, the requested received full access to my Equifax report and that is how I learned that the freeze was removed. When I asked Equifax directly, I was immediately given he runarounds and never given an answer. In fact, they have constantly asked me to provide proof of who I am when in fact, I have been asking them to evidence of the request to remove the freeze because it was not me. By demanding that I prove who I am makes me wonder if they asked the same to have it removed, because I never received a request. All of their misdirections gave me reason to be concerned that this is nothing more than a security breach by Equifax and they would rather cover up their ineptitude rather than admit to it. I have called repeatedly and with every call I had this overwhelming feeling that I wasn't actually speaking to a representative of Equifax so I was reluctant to provide any personal identifiable information especially when they asked that I provide PII. When I would ask for a manager/supervisor, someone would either hang up on me or pretend to be a manager/supervisor. 

I say it loudly, I NEVER requested to have the credit freeze removed from my Equifax report. I have every right to be reluctant of every representative I've spoken to, the website that redirects me to a number to call versus other forms of communication like that of XXXX or XXXX. 

With all of the identity thefts and criminalities that is going on in the world especially in the wake of the pandemic, I have every right to be apprehensive about their requests and proof of who I am when it wasn't a requirement of a scammer looking to gain my PII. Additionally, it truly disgusts me that a 3rd party credit reporting bureau who answers to the CFPB are allowed to behave as if they can't be held accountable for their actions. All I ask is that the freeze be placed back onto my credit profile with the original pin that I created when I placed a freeze on my report back in 2011. It's not that difficult to do.
Consumer complaint received 2023-05-06
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: BARCLAYS BANK DELAWARE (GA)

On XX/XX/XXXX, I filed a quality of product/service dispute with Barclays for a purchase made with XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in the amount of {$6500.00}. I attempted to resolve the issue with the merchant to no avail. In fact, on XX/XX/XXXX, I provided Barclays with an email thread regarding my communications with the merchant. See enclosed. MasterCard regulations allow consumers 120 days to dispute a transaction for quality of product/service. Although the dispute with Barclays was filed 115 days following the date of delivery ( XX/XX/XXXX ) - Barclays closed my dispute and alleged that the dispute fell outside the timeframe. See enclosed. Additionally, Barclays never provided a provisional credit.
Consumer complaint received 2023-03-15
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. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-10-09
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. (TX)

These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 

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 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 2023-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

Both of my accounts with Wells Fargo had money taken out of it due to a legal order that was placed with Wells Fargo with a person Social Security number that was similar to my wifes. I checked with the company which is XXXX XXXX XXXX XXXX, which they told me they didnt have any records of me and my wife they have taken over {$2500.00} out of my account to find out that someone from Wells Fargo put the wrong Social Security number in and didnt verify the name which is neither me or my wife now I have two hard to hard. What is it called? locks on both of my accounts and no one from Wells Fargo seems to help. We have no access to our accounts. We have money going in every day which we can not see anymore and if it is being taken out by the company everyone from Wells Fargo is hanging up on me and not trying to help.
Consumer complaint received 2023-10-25
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. (FL)

Dear Sir/Madam, I am writing to formally dispute the erroneous inclusion of certain accounts in my consumer report. It has come to my attention that these accounts were reported without my prior written consent, thus raising concerns about a potential infringement on my rights as per 15 USC 1681b, which governs the protection of consumer information and the necessity of obtaining consent prior to reporting. 

I wish to draw your attention to the fact that I have already taken the initiative of filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, specifically XXXX. Furthermore, I have made multiple attempts to request the removal of these accounts from my report, only to receive unsolicited documents from the creditor. My primary concern lies with your credit reporting agencies, as it is your responsibility to ensure both accuracy and compliance in reporting. 

In accordance with the legal provisions under 15 USC 1681c-2, consumer reporting agencies are under an obligation to promptly block the reporting of any information that a consumer identifies as stemming from alleged identity theft. Thus, I respectfully request your adherence to this legal requirement and urge you to promptly eliminate the following accounts from my consumer report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX It is important to underscore that my dispute is not with the creditor ; rather, it pertains to the practices of your credit reporting agencies. I have not provided written consent for the reporting of these accounts, and I firmly believe that this constitutes a direct violation of my rights as outlined in the Fair Credit Reporting Act. 

I kindly request a thorough investigation into this matter, along with a prompt resolution. Additionally, I would appreciate written confirmation of the removal of the disputed accounts from my consumer report. 

I express my gratitude for your attention to this matter and your cooperation in resolving this dispute. Please regard this letter as my formal request to initiate the investigation process in accordance with my rights under the Fair Credit Reporting Act.
Consumer complaint received 2023-10-20
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. (AZ)

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

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

Wrong Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DELETE HARD INQUIRES THANKS!
Consumer complaint received 2024-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (MA)

Dear Freedom Mortgage Company ; I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX TO XX/XX/year> ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-05-24
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. (AL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-11-26
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (CT)

I had called net spend earned wage access to gain details regarding the account with my personal information. I had trouble with the representative trying to understand or explain exactly what happened. I did not know of the account 's existence and do know of a reason why it may be opened as other fraudulent situations have happened with accounts of mine.