davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LDF Holdings, LLC (CA)

Avail Blue deposited {$400.00} into my XXXX bank account on XX/XX/22 and they said that I applied for a loan with them. I told them that I never applied for a loan with them. They have all my personal info including my SSN, my address, my employer, my driver license number and my banking info which enabled them to deposit the funds. After a lot of back and forth that I never applied for a loan, I asked for the XXXX address they have on record from where the online loan application was made. I XXXX it and it's somewhere in XXXX XXXX. Avail Blue instructed me to have my bank reverse the funds and I did. The funds was taken out from my acct on XX/XX/22. XXXX actually told me that Avail Blue could have done it themselves since it's evident they have my bank info. I reported the matter to the FTC. Many calls still from Avail Blue as they claim the funds have not been returned. We did a XXXX call with XXXX and XXXX said it may take 45 days. Meanwhile, Avail Blue has been emailing and calling about payment due. I called Avail Blue on XX/XX/22 to tell tell them to stop emailing or calling me and that it wasn't my loan and it has already been reversed by my bank. They said that they will not stop collection efforts until they get the funds. The person I spoke with is XXXX who said she was from XXXX. The other Avail Blue staff I have spoken with in the past was XXXX who we did the XXXX call with XXXX XXXX and who was provided a case number by XXXX. I called FTC also on XX/XX/22 to seek advice and person I spoke with suggested that I file with Consumer Finance Protection Bureau.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

on XX/XX/2022 I paid someone {$850.00} for them to provide a service for me. I then cancelled my transaction, and they refuse to pay me my money back. I asked repeatedly nicely, he then blocked me. I put a dispute within my bank account and they decline it, I put in another one they have yet to contact me back. I have proof of this conversation.
Consumer complaint received 2022-08-24
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. (MN)

In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX  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
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (AZ)

My husband and I bought a home a year and a half ago. It is a manufactured home on two lots. The home is married to the land. There is no tongue or wheels left on this home. It is a part of the real property. We had to go through a financial institution that finances just Manufacture Homes. We were charged a higher interest rate because of the type of home we purchased. I understand interest is a fee that a borrower pays a lender as compensation for the risk of loaning that money out. I know there are factors in determining the interest rate. Our credit score was over 800, we had a down payment, the amount to borrow, and the period of the loan. All this to get to the struggle I have with this. I think the system is broken. Why do lower income families have to pay more interest in paying for a home than a higher income family. They tell you to make extra payments on your home. Well that is well and good if you had that extra income to do that. There are many more people out there that have this same issue. But just accept it as it is what it is. It seems like our nation will do more for those that are not citizens than those of us that are American Citizens.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MO)

On XX/XX/XXXX I made a e-transfer from XXXX XXXX  in XXXX XXXX, XXXX  to my Wells Fargo account in South Carolina. The amount was {$1200.00}. The transfer has disappeared. Subsequent to my XXXX transfer I closed the XXXX account ( I believe on XXXX ). 
XXXX XXXX  has supplied me with multiple transfer numbers and documentation in an attempt to track the transaction. Wells Fargo said they do not have the money and that it was returned ( for unknown reason ) back to XXXX XXXX. XXXX  has transaction reference showing return but no evidence of the money being received. All of this has resulted in multiple phone calls and visits to the local XXXX  branch for the last 2 months. Wells Fargo has never supplied evidence of their investigation of this - other than denial of any knowledge. 
I relocated to XXXX  on XX/XX/XXXX at which time I opened the account at XXXX  ; I lived in XXXX  for over 35 years and believe I have been a customer of Wells Fargo for most of that time. On a personal note I am an XXXX year old retiree living on pensions and have no way to make up this money. I have been retired for almost XXXX yrs and have no money to contribute to a problem not of my making. I can't believe our banking system is in such disarray that you can lose money on an interbank electronic transfer.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (IL)

On XX/XX/XXXX I was contacted by a collection agency about a debt in collections from Discover of XXXX. I had not knowledge of this debt. I disputed it and a fraud case was opened. 

The week of XX/XX/2022 I contacted XXXX for an update on my dispute case. I was told it was discovered as a valid debt from Discover and collections was being sent back to them. 

On or around XX/XX/2022 I contacted Discover and Discover XXXX at the request of Discover to review my findings and request where to send this information. I was passed around to several departments. Some of which could not find my name and this account in their system at all. I also requested several times that the fraud case be reopened and that info sent to XXXX. As of XX/XX/2022 that had not been done and the account had been turned back over to XXXX ( per my call to XXXX at XXXX ). XXXX took my information and resubmitted it back to Discover as fraud. He provided an email at XXXX for me to send this additional information to as well. 

Also to note in my calls on or around XX/XX/2022 I requested to talk to the case XXXX, XXXX several times. Attempts were made to transfer my call there. They were unsuccessful due to phone issues. I was told to call back as she was at lunch, but she was also going into a meeting at XXXX central. I called back before her meeting. Again I was met with phone issues. I requested a call back from XXXX to go over the next steps I needed to take and update her on what I had found. I never received a call back. I then contacted Discover Security, which lead me to several different departments with no resolution or way to send my information to them. I was told to contact Discover Security again by the last person I talked to. I contacted Discovery Security again today, and the number I was given by XXXX was incorrect. An attempt to transfer me from the credit card division to the loan division was then disconnected. I called another number Discover had given to me. I was given the website to upload this info to and told my info would be passed along to a XXXX. I will be submitting all information via that website. A new case was opened ( XXXX ). I requested all information be sent to me on this account again. 

I have a XXXX XXXX report showing that no account numbers given to me by both XXXX and Discover have ever been open, closed or held in my name or social security number. I have a letter from my bank stating the same thing.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I have been banking with Chase for a long time, i manage both of my sons and my husbands accounts as well. I had every one move their accounts over to chase many years ago. 
WIth out giving me any reason, as i was travelling through XXXX, chase decieded to close my accounts, they drafted a letter to me on XX/XX/XXXX htat they decided to close my accounts, they sent me that letters one of which i received the day after they closed and one a month after they closed. 
I have never over drafted or missed a credit card payment. 
The fact that they closed the accounts without any proper advance notice and the fact that they did not give me an explanation about why they chose to close my accounts. They closed my credit card accounts, my various checking and savings accounts. 
I have worked hard all my life to have good credit, I live an honorable and ethical life, how has this institution decided that i had conducted an unexpec ted activity? 
I would at least like an explantion of what exactly triggered them to do this to me. 
The fact that they did not give me adequate notice, meant that all of our family, mine and my sons essential payments like utilities, phones etc which were on auto pay had to be adjusted, it was a lot of trouble start a new bank account, have new deposits clear through the new bank and have the new payments set up for essential services like heat and water etc. 
We had late fees and fines that we had to deal with for so many payments that we had on auto pay with Chase. 
I feel that after my loyalty to chase for the past 7 to 8 years, they least they can do is tell me what triggered them to classify me as an unsage customer
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

The mortgage company BSI Financial had incorrect amounts for our taxes on our escrow reconciliation. They also failed to pay the taxes by the due date. We submitted all of the documentation for the correct amounts and they refused to process the correct amounts for tax payments. They are unresponsive and continuously give us the run around. We also asked to close the escrow account ( which we should be able to do legally because we made a down payment of over 20 % on our house ) and they refused to do so.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (TX)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 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 2022-08-03
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. (PA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some account pieces of information in my credit file ; however, there is still account that needs to be removed. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get deleted. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (NY)

XXXX Bank has shown that they intentionally delay large withdrawals by claiming fraud review and freezing user accounts. They provide absolutely no time expectation for when the fraud department will address the issue, even after the user has provided all of the security information XXXX Bank requested in order to verify that the withdrawal was legitimate and not fraudulent. The customer service teams also prevent customers from being able to speak directly to the fraud department to resolve the issue more quickly. 

They clearly have no issue accepting large deposits into their high-yield savings account, but they suddenly claim suspected fraud as soon as a large withdrawal is attempted. It is ridiculous that a bank can freeze users ' funds and deny legitimate withdrawals, especially when customers chose a savings account to maintain liquidity for expected upcoming purchases. If I did not have other funds I could liquidate, I would not be able to make the necessary payments on a large upcoming capital improvement project on my home. 

They are either have malicious policies to act as a barrier to customers taking money off their books, or they are inadequately staffed to handle issues of fraud in a timely manner. Either way XXXX Bank severely damages customers financial situation and ability to make the payments and purchases they need.
Consumer complaint received 2022-08-03
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX XXXX XXXX Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened XXXX XX/XX/2015 Balance {$23000.00}.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (SC)

An unauthorized account was created with PayPal using my email address and another email address of an unknown party. I am unaware of when the account was created but I was contacted XX/XX/XXXX by letter from a collection agency who purchased the account from PayPal. The account has a {$310.00} negative balance. I do not now nor have I ever ( to my knowledge ) had a PayPal account. 

PayPal has denied my claim of fraud/identity theft stating ( according to the collection agency ) that in XXXX I provided them with proof of identity which I did not. This was in the form of a copy of my passport which I have never shared with anyone except customs agents at airports. Copies of what was used to " prove my identity '' in XXXX were not provided to me.
Consumer complaint received 2022-04-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (FL)

XXXX - We closed on our cash out refinance FHA loan. 

XXXX Our 3 day right to recession ended. 

XXXX - Our loan was supposed to fund and monies wired to our account. 

XXXX - Was told by lender they can not fund the loan because we don't actually qualify for an FHA loan. Underwriter thought Florida was a " Dry Signature '' state therefore, underwriting was not completed until after we signed our closing documents. When I told them that Florida is a " Wet Signature '' state and that " Dry Signature '' is not allowed in Florida I was asked " WHEN DID THAT HAPPEN. '' I was then told that the compliance officer 's MATRIX shows that Florida is a " Dry Signature '' state therefore, we are going to be treated as such. 

XXXX They are " trying '' to fund our loan but not sure if they can because they can't make the numbers work. Everyone is pointing the finger at each other. I am being asked by management why i'm brining his and the loan officers name into it that it's underwriting 's fault.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (CT)

This is my 3rd submission about M & T bank pulling a hard inquiry on XX/XX/2021. 

I received a letter today from M & T where they showed that I supplied consent for a hard inquiry for a refinance ( based on an IP address ). 

Their explanation in my opinion doesn't pass the smell test. 

M & T claims the hard inquiry was for a " pre-approval ''. 

I spent over 30 years as a XXXX XXXX in XXXX XXXX XXXX and XXXX. The only thing I would have done was to inquire about what rate they could have offered me, because I knew my debt ratio at the time would never have been approved for a refinance. 

As we all know, refi " pre-approvals '' are sent all the time through the mail and they virtually always 'sourced ' via soft inquirys. 

At a minimum I believe that M & T 's website was completely misleading about this consent issue. 

Again I never thought I was applying because of my deep knowledge of consumer finance policies.
Consumer complaint received 2020-12-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

I had a forbearance due to covid for 3 months. we have been paying our mortgage for 6 months now in full. We set up new terms to extend the mortgage by 3 months and signed all of the paperwork with Wells Fargo in XXXX. Our loan still shows we are in forbearance and past due. I reached out to wells fargo in the middle of XXXX and was told it would be processed and updated 4 days from when I called. The big problem is I am in the middle of a refinance and can not proceed due to being listed as in forbearance. I called Wells Fargo on XX/XX/XXXX at XXXX after looking at my most recent statement on XX/XX/XXXX to tell them it still showed I was past due.. They stated they would work on it and call me back. No one called me back. So I called them back at XXXX and they told me there was no one that could help me and a manager would call me on XX/XX/XXXX. No one called me, I had to call them at XXXX on XX/XX/XXXX and was told a manager couldn't speak with me, I demanded a manager call me back. Finally a manager called me back at XXXX and told me there was nothing he could do and didn't know anything. I asked if he could at least write a letter stating I was no longer in forbearance and in good standing. He would not do it and said I have to wait for them to process the settlement. He told me this should have been done 1 month ago, but could not answer why it wasn't done. I am stuck and unable to complete my refinance due to their negligence and unwillingness to help.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (AL)

This has been going on for at least XXXX months. I just found our about your XXXX. PNC Bank sent us a credit report which showed information other than what was actually on the reports at the XXXX credit reporting services. I have contacted PNC XXXX times, twice in person at the bank and twice on the phone. The only response I get from them is to contact the reporting services. No matter how many times I tell them the reporting services have the correct information, and PNC has downloaded the wrong reports, they don't understand. But of the XXXX reports, only XXXX shows one missed payment in XXXX PNC has downloaded information from the wrong XXXX XXXX or the wrong ss #. 
I haven't been able to download the info so I have to type it : XXXX -- Number of accounts with delinquency XXXX -- Lack of recent installment loan information XXXX -- Ratio of Balance to Limit on Bank Revolving or other revolving accounts too high XXXX -- Too few accounts currently paid as agreed XXXX -- # of inquiries had a minor adverse affect on the score SS # XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NORTHSTAR FUNDING INC (GA)

I completed a mortgage application, paid a fee and never heard back from the banker. Even after making several calls and sending several emails. The banker stopped responding. I have great credit. The banker took my application, ran credit, charged a fee and disappeared.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts.I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-09
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)

There is an inquiry for XXXX XXXX XXXX on my equifax report that was made on XX/XX/XXXX ; I have phoned equifax in XX/XX/XXXX and a few others was removed but not that particular inquiry I expressed my concern about ; I have sent 3 rounds of letters since then all 45 days apart with my ID, social, police report and identity theft report and still no luck removing that single inquiry ; I wrote XXXX requesting information on the application with no response ; I asked Equifax to send proof of the inquiry only received letter refused to remove that inquiry