davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TX)

On XXXX21, my wife and I logged on to our Ally Bank savings account and discovered someone had removed {$93000.00} from our account via an ACH transfer to another outside bank. We had not added this outside account, nor have we ever heard of or had any association with the bank, which is not even in state either of us have ever resided. We immediately called Ally Bank to report the fraud and all they asked us to do is complete a dispute request and said that someone would be in touch. We could not get a confirmation of when someone would contact us or when they would return our funds. They were however able to provide the account holder, account number and routing number for the outside account the money was sent to, which was troubling, because that account was supposedly in my name. Again, we have never even heard of that bank. Furthermore, we have two factor authentication turned on for this account, whereby anyone that logs into the account would have had to enter a code that would get texted to me or my wife in order to log in. Neither of us received such a code, therefore we don't know how the banks two factor authentication functioned properly in this instance, because it certainly didn't protect us. We have not heard anything back from Ally Bank as of the date of this complaint. We are extremely puzzled how someone could log into our account, bypassing two factor authentication, add an outside bank account, and transfer such a large sum of money out of our account without any notices being sent, red flags being raised, calls, emails, texts, etc. from the bank. Any help you can provide would be greatly appreciated. Thank you
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I have tried repeatedly to contact employees at Truist bank to find out how to change my Auto Loan auto draft bank account to a new bank. No one at the bank replies. 

I need to know who the auto loan lender is, and how to change the payment account, as I am closing down all business and personal relationships with Truist do to their lack of customer care.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc (NY)

Affirm provided me with a Virtual credit card for a purchase from XXXX XXXX  XXXX. I have paid {$460.00} towards this purchase, but did not receive the item. OnXX/XX/XXXXAffirm sent me the following e-mail : Your recent {$1200.00} transaction at XXXX XXXX  XXXX was declined because we believe this merchant is prohibited by our Terms of Service. 
Your purchase was flagged as potentially prohibited in Section 4 of our Terms of Service. This could have happened if the merchant you are purchasing from uses money transferring services such as XXXX or XXXX or if the merchant sells restricted items such as weapons or drug paraphernalia. Although we can not evaluate each transaction individually, we believe your transaction falls under these restrictions, and unfortunately this decision is final. The Affirm team I reached out to XXXX XXXX XXXX, but was unable to get a response from this matter. 

I was hospitalized for XXXX XXXX at, approximately, the end of XXXX and am just now able to respond to this email from Affirm, but, as stated, their website does not have a phone number where I can reach them regarding this matter and obtain a refund. 

Please assist me in obtaining a refund of the {$460.00} paid toward this purchase, which was not received and which Affirm is telling me they are unable to process, despite their accepting money toward the loan, which I thought would be fulfilled. 

XXXX XXXX ( XXXX )
Consumer complaint received 2020-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I contacted Wells Fargo ( XXXX ) regarding the change from suspended to active foreclosure status on my home. The mortgage had been in suspended foreclosure since XXXX of 2018. I was offered the opportunity to submit a request for what would be my sixth request for a loan modification over the last two years. I agreed and after transfers to the loss mitigation department, then to the escalation department I was advised that I was not considered for a modification because they had determined that I did not live in my home. No additional requests for information were made since the last review in XXXX of 2018 when I submitted a copy of my drivers license, insurance policy, utility bills, bank statements and personally met with an appraiser who came to inspect the property. I live in my home, this is my only residence. My case has been sent to the escalation department where it is currently being reviewed for modification eligibility. They again request proof of residency in the form of mail, which was forwarded two weeks ago. I have yet to receive a response which was promised on the XXXX day of XXXX. My foreclosure is set for XX/XX/XXXX. I would greatly appreciate assistance in determining exactly why my claims have been denied and finally be granted the consideration I deserve as a permanent resident in my home.
Consumer complaint received 2020-03-27
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: Ad Astra Recovery Services Inc (CA)

Ad Astra Recovery Serv refused to remove a fradulent account from credit report after proof of identity theft was given and they could not supply any personal loan identification Social security number taken through data breach was all and a fake contract without signatures or identification.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian, XXXX, XXXX I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, Experian has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/year> while reviewing my consumer file / credit report i noticed XXXX separate accounts for debt by LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX. XXXX XXXX. Iam unaware of these debts .I was not given an opportunity to examine these information about these debts. If in fact LVNV Funding believe I was given proper notification of these debts please send the certified receipt with my name and signature on it
Consumer complaint received 2023-03-05
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. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data branch and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a MYEXPEIRAN account which I am unable to login but hen i try to dispute I am getting an error that I cant dispute online. Seems ironic every time I dispute I m unable to access dispute online but can enter my account to see information. Pls correct this issue as this is a hige inconevenice. If youve already verified my account I should beable to dispute in my account. 
As stated in previous dispute ( s ) the below accounts do not belong to me. Pls remove : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY
Consumer complaint received 2022-03-24
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)

I have disputed the accounts in question for the past 6 months and the credit bureau has not conducted investigations. The latest example is the following : I submitted a request to Experian on XXXX and on XXXX they finished the investigation ; however date of status did not change which indicates no investigation was performed for the accounts listed below : Account name XXXX Account number XXXX Balance {$1100.00} Status Date XX/XX/2017 Account name XXXX Account number XXXX Balance {$18000.00} Status Date : XX/XX/2017 Account name XXXX Account number XXXX Balance {$11000.00} Status Date : XX/XX/2017 2017
Consumer complaint received 2020-03-27
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. (CA)

On XX/XX/2020 at XXXX XXXX  I sent certified mail written communication to EQUIFAX dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that Equifax used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from Equifax on XX/XX/2020 dated XX/XX/2020. Out of 20 requests for verification of accounts. Only 1 item was deleted. I requested for Equifax to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to Equifax dated XX/XX/2020. requesting verification to substantiate information that is being furnished to them. The statutory 30-day has passed and I have not received communication from EQUIFAX. FCRA requires EQUIFAX to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EQUIFAX received and used to verify the information being reported and maintained in my file. Equifax must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2020-03-16
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. (KS)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, Experian advised they removed my personal statement and fraud alert. However ; a month later the statement and alert remain. On XX/XX/year> I received an update to my request to remove the alert and statement and they still remain. This is preventing me from getting an apartment
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

XX/XX/XXXX Coinbase ( Coinbase Wallet ) XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX On dates ( summarized ) : - XX/XX/XXXX Sent ETH to Coinbase Wallet - XX/XX/XXXX Sent MANA to Coinbase Wallet via Coinbase/XXXX  XXXX Sent BTC to Coinbase Wallet  XXXX Sent XLM to Coinbase Wallet via XXXX XXXX Sent XRP to Coinbase Wallet via Coinbase XXXX I downloaded this app from the XXXX Platform to my mobile device and screenshot my recovery phrase on this specific date ) XXXX Coinbase Wallet became inaccessible XXXX Coinbase Wallet was created The sum here is I have transactional proof of where funds got to my previous wallet. I'll be more than happy to disclose in more detail these transactions and whatever else to do so. 

I am writing you because ( I have been locked out of my account due to what I highly speculate is that there was a bug with the fingerprint authentication leading to being locked out of my funds. The new 12-word mnemoic phrase for my empty wallet is EXACTLY the same which I can screenshot for proof as well ) : -The customer service team has not fully resolved Case # XXXX ( prematurely closed ), now Case # XXXX. 

Under the " Sale of Goods and Supply of Services Act, 1980 '' and from XXXX ( will be the last point ) - The supplier has the necessary skill to provide the service -The service will be provided with proper care and diligence - The materials used will be sound and that good supplied with the service will be of merchantable quality - " ... This means that if you lose your recovery phase, you will lose access to your Coinbase Wallet ''. I never lost it so when it locked me out, I should have been able to log back in. Makes sense right? 

Well, that's not what happened and that's why I am submitting this complaint today. This crypto wallet has become inaccessible no fault of my own and I need Coinbase Wallet to do the right thing and redeem my funds.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NC)

XXXX is claiming that I owe them money when I clearly dont there services were on a month to month basis. I even paid them the last month bill and they sent me a bill asking for a specific amount once I told them that what you are asking is another month of service after I switched to a new car insurance because it was more affordable they said either pay us or we are sending you to collection and potentially hurt your credit and to me that is not fair. At all they are thieves.
Consumer complaint received 2021-03-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

Freedom Mortgage is trying to get me to refinance for lower interest rate. I would get lower rates but would have to restart over on the loan losing current interest in the home i have. The value of home has doubled and i feel they want to take the equity from it. I told many representatives that both me and my wife are not interested and to stop calling my phone, stop sending postal mail correspondence and stop email me. I have blocked everything I can do, but they still manage to get through especially with phone calls. I have a log of them calling me - literally 13 times in a 2 week period including 3 times in one day. I wish I know a way to get my mortgage moved to another lender. Freedom Mortgage is awful people to deal with. The most common numbers being used to call me from XXXX and XXXX ( the XXXX # has not called back, but the XXXX # continues to call back even after I have blocked it ; somehow it gets through ).
Consumer complaint received 2023-06-09
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. (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 deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$740.00}
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.