davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (WY)

Ally Bank did not protect me fraud. 
My friend 's financial advisors instagram was hacked and they tricked my friend into thinking her XXXX app had more money in it do to an investment. The hackers pretending to be her financial advisor then asked her to make a video of how amazing she is as a financial advisor. Immediately after my friend posted the video the hackers took over her account. The hackers took advantage of the the conversations they now had access too and many of us sent the money via XXXX. 
I contacted Ally Bank, as soon as, I found out assured me it would be okay. They told me it would take up to 10 business days, provisionary credit of {$2000.00} back into my account and told me to wait. I expressed I was concerned over the wait period because of the fraud situation and they assured me this is the process and I shouldn't worry. 

After no commutation for a couple weeks {$2000.00} was withdrawn from my savings account. I called immediately and was passed from person to person for about two hours. The notification was in a " Notices '' tab in an odd spot under my profile and settings tab, would have never known to check their if they didn't tell me. 

The notice stated " The disputed transaction was completed with a merchant with whom you have an established relationship. '' The reps on the phone said this was because I made the transaction on the app that I had made many transactions from. This makes no sense and the broad statement of the notice does not align with the issue of fraud. 

I was met with vague answers on why this conclusion was reached, that there is nothing more they can do once the conclusion is reached. 

The forms they sent me to fill out did not align with my situation. I tried to express this to customer service reps multiple times. When the disputes rep called me I felt like she was confused and not fully listening to my statement. She kept asking me who I wanted to send money to, I kept responding that it was fraud. The notes kept on my claim were not accurate. The last rep I spoke with told me what was relayed on to XXXX as the issue, I said that was inaccurate and he said " they got the general gist. '' Three different customer service reps were confused my the comments being kept and even said the forms and their process is not equipped to handle fraud situations like mine. 

This is simply unacceptable. It is not Ally Bank 's fault I was a victim of fraud, however it is their job to protect their customers and to handle claims of fraud seriously and accurately.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NY)

In 2021, I received a physical advertisement from Venmo stating that I could open a business Venmo and on the card was the words " LLC. '' When I signed up I didn't see an LLC option, just partnership and corporation, and tech support said to just pick whatever and they would switch it to LLC after. 

I have followed up twice, last being today on XX/XX/2021, and I have been told that they still do not have the " LLC '' option and told me I should leave the account as a partnership even after I stated that this is a single proprietor LLC. 

Also, I tried to check this business account today and confirm my EIN was accurate for my LLC and they were unable to provide me with any means of seeing if I had an EIN on file and if it was correct. 

It is troubling for a financial service such as Venmo to engage in deceptive marketing and to not be able to manage a users account in accordance with their accurate business status.
Consumer complaint received 2021-11-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (WI)

Hi, I have asked repeatedly for better mortgage to quit spamming me. I have blocked the initial individual ( XXXX XXXX ) so now they are emailing from a XXXX XXXX. 

Hopefully, this complaint will make them stop
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

This debt for {$1000.00}, showed up on my XXXX XXXX report recently. I have no outstanding debt with XXXX ( account # XXXX ), in fact I have an account in good standing with XXXX. The company AFNI ( account # XXXX ), has sent me an affidavit on XX/XX/21 to supposedly correct the error. The company AFNI, has never notified me of a debt until it showed up on my credit report. There are requesting social security numbers, bank account information, proof of residency, copies of my license or passport. They have only told me they are requesting the proof of residency from XXXX - XXXX. I have no idea what they are talking about.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

my old account with TD bank was opened online and was open with another accout with my name on it and i have no knowledge of it just recived oso checks in the mail then when to TD bank and they was the one who told me it was open online XX/XX/2021 with another account in my name cause they tranfored monet y from other accout to open the accout with TD bank. and i would like to press charges when we do find the person behind this please and thank you.
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Independence Capital Recovery, LLC (AZ)

On XX/XX/2021 XXXX XXXX with XXXX XXXX called my wife 's cell phone and my also my cell phone leaving me a voice message. He said he was trying to contact my daughter and her husband XXXX and XXXX XXXX about an important matter. My wife spoke with him on the phone XX/XX/2021 and said she will inform our daughter. He called my wife 's phone again the this morning at XX/XX/2021. This is harassment! 

XXXX XXXX lied to my wife suggesting my daughter and son in law listed my wife and I as second contacts which was not true. He broke the law. 

My wife and I don't owe XXXX XXXX any money. They have no reason to continue calling us and harrassing us. I contacted XXXX XXXX XXXX this morning and warned him to never contact my wife and I again. I also informed him that I was filing a complaint with the XXXX.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. I will pursue litigation and seek damages if this dipute is not administrated.
Consumer complaint received 2021-11-23
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. (AZ)

I submitted dispute for an account unknown to me. I submitted disputes with all XXXX credit bureau 's. Experian is the only bureau refusing to correct this error. I called to speak to live representative " XXXX '' in " XXXX, TX '' who stated " experian is a middle man and does not have to provide me with any proof '' from the account in question. I tried to upload proof and their system would not accept my PDF file. The representative refused to allow me to speak with her supervisor or anyone else. She asked for my phone number so that someone could call me back. No one ever called me back to correct this error. I feel that I have exhausted my options regarding this incorrect information that is negatively affecting my ability to close on a home.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (OK)

I have been working with Royal United to refinance my Mortgage, communicating with representative XXXX XXXX on XXXX. He connected me with the XXXX XXXX XXXX XXXX to have my house appraised on XXXX. I mentioned to XXXX XXXX that the fee was high XXXX for my XXXX square foot home, but he stated that the fee would be rolled back into the loan. After the appraisal came back, it came back less than what they had estimated. I received a letter from XXXX saying that the dispute of the appraisal was denied, so they stopped any further communication with me, despite my emails and attempts to recover the original appraisal fee of {$530.00}, they also have not replied to my complaint on the XXXX Lastly as a XXXX citizen and Veteran with a fixed income and a XXXXt that requires medical attention monthly do to XXXX XXXX there actions have left me in financial hardship!
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I already have a dispute submitted with the CFPB ( Complaint ID : XXXX ) in regards with Bank of America , due to a deposit not going through due to a faulty ATM machine at the their location XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX On XX/XX/2021 around XXXX. I submitted XXXX in their ATM ( there was no suction noise the money simply just " fell '' inside ) after that the machine froze and " spat '' out XXXX dollars back and the ATM had shown that XXXX was deposited. Attached within this email is Bank of America 's decisions to deduct the credit that was given, which will be deducted on XX/XX/2021. A few details I'd like to mention like to mention ; that no receipt was given, the ATM machine kept freezing, there was no suction sound when the cash slot opened, the machine in reference is the machine outside of their business ( there are only two machines one is for pedestrians by foot and the other a drive-thru, XXXX XXXX XXXX XXXX ) I also found a near identical case to what happened to me that day, that happened to someone else hopefully this can shed some clarity to the events that transpired to me for whomever is reading. I just want the money I lost. I'd like to thank you in advance for your help. 
The link is : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am attempting to apply for another parent plus loan for my son in college. My fear is now because of this situation he will fall behind a semester or XXXX if we don't find any other type of assistance quickly. I realized my credit was being denied because of a delinquent account showing on my credit. I seen it showing portfolio Recovery. I reached out to them to get information. After second time calling I was told it was from XXXX. I tried disputing but was denied. I called XXXX to gather information and they don't have any information that is correct to any type of transactions I have ever done. XXXX couldn't further give me complete details. I told them the transactions they are stating I did is incorrect. I tried disputing but never recieve any more information about any of it.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (PA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Coinbase, Inc. (CO)

On XX/XX/2021 I borrowed XXXX from Coinbase, through there new Borrow feature, just to see how it worked. I payed the loan back, XXXX days later, way before incurring any interest. When I clicked submit payment there was an alleged network error and I had to re-submit the payment XXXX times until it said that it went through. 

A day later I checked my bank statement and found out that XXXX had taken XXXX, XXXX times. 

When I submitted a complaint and evidence of the mistake, XXXX asked me for transaction records, when I provided them I was ghosted. 

This company has no problem putting people in financial jeopardy when they make a mistake and that is not ok. 

This company is too big for its own good and is XXXX over honest, hardworking people.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX, has violated my rights. XXXX  account # XXXX, has violated my rights. XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.
Consumer complaint received 2022-11-11
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. (AL)

i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax 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 Opened : XX/XX/XXXX DSNB XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX DSNB XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AR)

Paypal limited my account last XXXX. It was supposed to be released after XXXX  days. That was in XX/XX/2021. They then stated it would be available in XX/XX/2021, to which it still was not. I'm very extremely frustrated at this point. They've held {$10000.00} for a year. This is breach of contract and I want and desperately need my money.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IN)

We have been declined XXXX to XXXX times regarding the fraudulent transfer of funds through XXXX. I filed complaints through XXXX as well. The phone numbers are now all blocked on XXXX due to fraud. 
My bank fraud number last rejected is # XXXX. I have requested their documentation for the investigation, they have not provided the information. 

Here was the issues ; On XX/XX/2021, their was XXXX transactions which were fraudulent scam, the parties disguised themselves as XXXX, which they were not. The information is as follows that I received XXXX value from : XXXX. ( XXXX ) transactions in the amount of XXXX to XXXX XXXX XXXX phone number XXXX ) disguised as XXXX XXXX, totalling {$2100.00}. 

XXXX. ( XXXX ) transaction in the amount of {$660.00} to XXXX XXXX XXXX ( phone number XXXX ) disguised as XXXX REFUND Police report was filed immediately the same day with XXXX XXXX Police Department, where I live, the case is now with Detective XXXX. His investigation has turned up with many aliases to these scamming parties. The police Detective was also reached by the same scammers personally to get access to his accounts. I did not receive any products or anything from the transactions. 

FDIC reviewing a bankEvery fraud transaction is applicable to XXXX XXXX regardless of who pushes the button. 

Unauthorized Electronic Fund Transfers and Error Resolution, Question XXXX, electronic fund transfers ( EFTs ) initiated using account access information obtained through fraud or robbery fall within the Regulation XXXX
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Sortis Financial, Inc. (AL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX The problem Im having, from the beginning of this loan, i have been told several different things, ok so, it was told to me on several occasions by the employee from XXXX that my daily interest was XXXX cents a day, but now that my loan as matured my account is occurring more fees and my payoff within XXXX weeks has occurred XXXX worth of fees and when i ask what was the other fees besides the daily occurrence fees they say its a computer generated fee they dont know the break down of to tell me exactly what Im been charged, can someone please email me at XXXX or called me at XXXX
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (NJ)

We applied for a conventional refinance on XXXX XXXX and were pre-approved that day, then paid to lock in the rate and spent hours uploading documents. My income comes from self-employment with over 20 years of history ; and my income had dropped more than 30 % from XXXX to XXXX because I had an unusually busy year in XXXX and then business declined due to the pandemic. Our income was still sufficient to qualify for refinancing - and my income increased substantially this year, documented by XXXX XXXX XXXX XXXX reporting and copies of bank statements showing client deposits for my services. We also have documented assets of more than 7 times the amount we sought to borrow. " Better '' underwriters decided to exclude my income totally, citing compliance with XXXX regulations. I contacted XXXX and learned that they provide guidelines, not regulations. Our credit rating has consistently been in the excellent range ; we have never missed a payment on anything and consistently prepay mortgage principal ; and when I requested a denial letter to send to XXXX, the " XXXX '' staff would not state that they excluded my income. I believe I am being discriminated against because I am self-employed.