davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at XXXX XXXX XXXX XXXX XXXX about its response to this complaint. '' No response from the company- The company has not addressed any of my issues as no response was provided. The company has NOT responded in writing either to me or to the CFPB. The telephone provided to get a verbal response goes to a general, unidentified voice mail. This is unacceptable. To reiterate : NO RESPONSE, NO WAY TO CONTACT THEM. 

" The CFPB has closed your complaint. " CFPB did not receive/post company 's response and did not follow up and verify that a response was given. In both instances CFPB is not doing its job just padding " closed cases '' statistics. UNACCEPTABLE. Please open a complaint, ensure the company responds and verify that this is a valid response. 

YOUR COMPLAINT Deposited a {$2100.00} check on XX/XX/XXXX to my savings and checking accounts. The bank put a hold on it claiming the initiating financial institution will not make funds available until XX/XX/XXXX ( call to bank at XXXX XXXX  AZ time ). I checked with the issuing bank who representative stated thtat that is not true as they make funds avaiable immediately. Transfered to BOA Deposits Mgr XXXX who stated it's a Reg CC hold, funds not available until XX/XX/XXXX and told me info on overdraft fees. Why such a long hold? Reg CC says non local financial institutions must be available on 5th day. Is this another BOA scheme to use funds without crediting depositors timely?
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX and XXXX GEM. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.
Consumer complaint received 2021-12-19
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: Paramount Recovery Systems, L.P. (NC)

The collection agency Paramount Recovery has ILLEGALLY re-aged a collection they are in possession of. That is a direct and serious violation of FCRA. I've already disputed the problem with XXXX and XXXX. I am now submitting a formal complaint about it. I don't have any documentation to support my claims. But I will say I haven't been in or lived in Florida in over 5 years, the original creditor is winter haven hospital which is in Florida and on my credit it shows the account opened XXXX of this year 2021.
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

I received an email from PayPal on XX/XX/2021 that my account had been limited permanently and the money in it will be available for withdrawal after 180 days. It is now over 200 days and I have not received it, and the company is not helping avail it for withdrawal even with my multiple attempts and requests for them to help me out.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I called all 3 of my credit reports XXXX, Equifax, and XXXX. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC (NC)

I was working with XXXX Weeks from Sprout Mortgage to obtain a mortgage for a home I am purchasing. After working with them for weeks, getting conditional approval from underwriting, paying for and having an appraisal done, they realized that they wouldn't be able to proceed any further with the mortgage. That is not what I am complaining about. Shortly after this was communicated to me, I found another lender ( XXXX XXXX XXXX XXXX ) that was able to provide me with a mortgage for the property. Since the appraisal had already been paid for and completed just a couple weeks ago, all they needed from the prior lender ( Sprout ) was to have someone from their side sign an appraisal independence certification form so that they could use the appraisal themselves. After countless emails back and forth to XXXX/Sprout, eventually she just stopped communicating, and now my closing with XXXX XXXX  ( current lender ) has been delayed, and I am having to pay for another appraisal to be done. SproutXXXX clearly just stopped caring as soon as they realized they wouldn't be able to make any money from me.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to Equifax and XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Equifax : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DOE XXXX XXXX Balance : {$0.00} 10. DOE XXXX XXXX Balance : {$0.00} XXXX : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DPT EDXXXX XXXX Balance : {$0.00} XXXX0. DPT EDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NV)

XX/XX/2021 I ported my phone services from XXXX to XXXX XXXX XXXX. I had a final bill from XXXX which I paid off in the amount of {$1700.00}. This was paid off from bank card with XXXX XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 XXXX XXXX alerted me that I have a collection from Convergent Outsourcing original Creditor - XXXX. I have contacted XXXX and they have told me that I need to contact Convergent Outsourcing. XXXX refuses to go over the bill with me and Convergent Outsourcing just keeps asking for payment. At the end of XXXX I did receive a paid in full balance receipt from XXXX which I did not keep because I did not think I would need it again. I have attached a copy of my bank statement showing Ive paid them. I marked in RED showing the debit from my account. I have also attached a copy of my XXXX XXXX XXXX initial bill showing when my services were transferred over. Please remove this debt because I owe nothing.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (CA)

Dear CFPB BUREAU ; I XXXX XXXX XXXX have contacted all three credit bureaus XXXX, Experian & XXXX  concerning hard and soft enquiries being injurious on to my credit files. They replied as say that we have to keep of them on the files for 3 years to 7 years. I think that its punitive keeping of them enquiries on for too long. plus the hard enquiries that has offered no credit to me, and still sits around it is not wise to keep. if I authorized for credit pull within 90 days of first pull, than this enquiries should not cause my vintage score to run down lower. 

Please read the literature on this issues and notify of all my files holders/ credit bureaus. I have notified of them already.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank, checking account opening bonus {$150.00} Received a mail in my mailbox as they say give me {$150.00} bonus when opening a checking account and finish a direct deposit totaling {$500.00}. 

Finished it several months ago, but no bonus posted. Tried to call them a lot of times, they said the bonus will be posted in 90 days and told me to wait. 

Then after 90 days, tried to call them again, they said Im not qualified for the bonus because I have to meet the mail requirement which is the mail has to be under my name. 

As far as I know, the mail said dear resident, if they say my name is not resident, that will make me laugh a lot. Also, they never told me all of these until last week. Its totally fraud.
Consumer complaint received 2022-08-12
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. (TX)

Im Accordance with the Fair Credit Reporting Act Account as violates my Rights XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states. Consumer reporting agency can not furnish a account without my written consent
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (GA)

I am not liable for this debt with XXXX XXXX II I and I do not have a contract with FIRST FEDERAL CREDIT C plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2021-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/2021, the application was submitted to wells Fargo bank, which hold my mortgage for many years. I own this house for 27 years. the application was denied. I was told by a home mortgage consultant that it was denied due to my tax return, the other consultant told me that they take off 30 points from my credit score. then I received a letter that states that : 1. Time since most recent account opening is too short 2. number of banks or national revolving accounts with balances 3. too many accounts with balances 4. Too many accounts recently opened
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

OnXX/XX/XXXX-21 I sent in a mortgage payment to Bank of America via my banks electronic payment system. I do this every month to pay the Bank of America mortgage. It was returned on XX/XX/XXXX-2021 with no explanation given. I re-sent the payment on XX/XX/XXXX21 in the exact same manner and it was accepted as it usually is when delivered in this manner. this is the second occurrence with B of A not accepting payment through the federal banking depository system. they have charged me a late fee twice now due to this issue. when I call to resolve the issue and try to diagnose why this is happening I get put in a call transfer loop that I can not escape from. the customer service people have given me separate numbers to call that direct me back to the same automated phone tree. each time I call I am on hold and/or being transferred around for anywhere from 25 to 40 minutes before I have to terminate the call due to the need to attend to other previous commitments. This refusal of funds followed by a late charge is the second occurrence in 12 months with B of A. I have no way of efficiently contacting a live human being with discretionary authority to resolve this issue. I have been unfairly charged for late fees. this is a willful attempt to defraud me of funds that Bank of America is not entitled to.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I've been going back and forth with this company about a inacurate bankruptcy being reported on my credit report in which they lied and said they verified it trough XXXX XXXX Thats not true because i reached out to XXXX XXXX and its not reporting on my report i also reached out to the court and they said they dont report such information
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I was previously in a Covid Forbearance with my mortgage lender, XXXX XXXX. I requested to come out of the Forbearance and was offered three options. The option I chose was modification which was the best for us in terms of monthly payment going forward. I chose this option without knowing that there would be an indicator placed on our credit as if we defaulted or did not play by the rules. The modification credit indicator may not allow us to take advantage of lower rates or other refinancing opportunities going forward. Even though we were never late on a loan payment before or after the Forbearance, we are being punished it seems. We were not warned that taking the modification option would negatively impact us for at least the next 4 years according to XXXX, XXXX XXXX. We applied for a loan through them and were told they could not help us because of the modification indicator on our credit reports. This will be a huge negative for many consumers as I'm sure many who have taken this option were not properly advised of the negative impact. During Covid, legislation and rules around mortgage loans have changed several times and I'm sure lending institutions are not managing loan programs uniformly. Can someone please reply back to me confirming that what happened to us was proper. If it was proper, I believe many consumers will be negatively impacted by this rule that seems to be resulting in unintended outcomes.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KLS Financial Services, Inc (GA)

KLS financial has a {$640.00} negative charge reporting on my credit report for XXXX XXXX. XXXX XXXX filed for bankruptcy and went out of business in 2017. XXXX XXXX no longer exist. The name XXXX was purchased by XXXX XXXX. I called the corporate office and I was told that I debits were settled in the bankruptcy and KLS Financial has no legal grounds for that company anymore because they no longer exist. XXXX XXXX sent me an email stating that I would receive a refund back for the order that I returned. I received the wrong items and returned them. XXXX also gave me a gift card because they made a mistake. I filed a dispute with Visa and won. KLS is holding me responsible for a charge back that I won with Visa. This is a breach of contract. Customer have the right to dispute charges and cant be recharged by a company after winning a dispute. This is illegal to recharge me for something that I didnt Authorize.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC. (OK)

I called my bank yesterday XX/XX/2022 ( Arvest Bank/XXXX Arkansas an requested a stop payment for 2 items that would be coming out of my account on XX/XX/2022. I clearly said to the gentleman that this was not to be effective till XX/XX/2022 but when I checked my account last night I'd already been charged {$60.00} for the stop payment ( their fee ) I called my bank XX/XX/2022 and told them they'd make a mistake and charged me immediately for the stop payment fees creating an over draft in my account of almost {$27.00} when I clearly said the stop payment was not to take effect till XX/XX/2022. I ask them today XX/XX/2022 to reverse the charges and not hold the stop payment fee out till XX/XX/2022 when the stop payment goes into effect. The gentleman I spoke to refused to do that so now I'm going to have an additional fee of {$17.00} added to my account for a mistake they made. How is that right?
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (PA)

I am applying for a mortgage and I'm told I have this derogatory account for Kikoff Lending. I am not aware of any such account. When I reach out to Kikoff Lending, their phone # only goes to a voicemail that says email us at XXXX I've emailed and not heard back from anyone.
Consumer complaint received 2021-08-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

XX/XX/2021 contacted First Continental payment processing Issued payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( 609 ) ( g ) ( I ) ( D ) to date XX/XX/2021