davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Colonial Mortgage Service Co. Of America (PA)

I want to file a complaint regarding the harassment I am facing from one of the agents of Colonial Mortgage Service. I had contacted this company in XXXX and then in XX/XX/2021 in regard to refinancing my primary residence. Due to reasons beyond my control the refinancing was not approved by the XXXX XXXX. I contacted the same company few days back but when no one returned my inquiry I proceeded with another financial institution, with which I am currently working. The agent XXXX XXXX contacted me today and after learning that I had gone with another lender due to no response from his side he became very agitated and started yelling at me over the phone with the threatening tone followed by email to the same effect ( email copy attached ). Right after this I started receiving calls from a number of lending companies that I have never contacted for any kind of business - refinance or anything like that. I was told they were contacting me because they received my information for a need for loan. I have also received several emails of similar nature ( attached herewith ). I would like you to kindly investigate this company and the agent as they have access to all personal information for my family including drivers license, social security, banks that this agent seems to have shared without my permission. I am afraid that with this kind of access my finances, savings are not safe along with mine and my familys safety. This request is to review this complaint as an urgent matter given the gravity of this situation.
Consumer complaint received 2022-08-19
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. 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 XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX Open Date XXXXXXXX XXXX XXXX Balance : {$250.00}
Consumer complaint received 2022-08-19
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)

This is myXXXX endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$77.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-04
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2022, Bank of America hard pulled my credit. I do not have an account with them and I did not apply for a credit card or loan with them.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Monday, XX/XX/XXXX, I deposited a bank issued check from XXXX XXXX XXXX XXXX in the amount of {$250000.00} from the redemption of a CD at XXXX XXXX XXXX XXXX into my checking account at Bank of America. The held all of my funds except {$5500.00} until XX/XX/XXXX at XXXX, which is a Saturday and left the funds stranded at Bank of America until Monday, XX/XX/2021 thereby depriving me of earning interest on my funds being held of {$240000.00}. The flimsy excuse they gave me was that I " deposited checks totaling more than {$5500.00} in one day. '' Now come on!!! The bank issuing the check, XXXX XXXX XXXX XXXX is located not even one mile from the Bank of America location where I made the deposit. I know that Bank of America received the funds from XXXX XXXX XXXX XXXX, probably the very next day of my making the deposit. I feel that it is patently unfair for a bank to be able to tie up my funds for a week. I would like to know the date that the check from XXXX XXXX XXXX XXXX cleared their account and Bank of America received the funds from that deposit. This is unfair to consumers like me who are at the mercy of these huge banks who want to call all the shots. I figure I lost about {$20.00} in interest while Bank of America needlessly held my funds. I know that is a small amount of money but the point is, banking hold policy is unfair to consumers and should be better regulated. A bank check is a bank check.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AR)

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. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account SYNCHRONY NETWORKS XXX Opened XXXX. XXXX, XXXX with a Balance of {$8000.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (CO)

In approximately XXXX, I opened a checking/debit account with Simple Bank XXXX I mostly used this account for easier ATM logistics, and would transfer money into it as needed, as a cash account. A few years ago, Simple was consolidated into BBVA. This resulted in no material change to the account. Last year, BBVA was consolidated into PNC. I have since opened a savings account with PNC, so now I have the cash account and the savings account. 

In XXXX of this year ( XX/XX/XXXX ), PNC started charging me a $ 7 monthly service charge, that I never agreed to. I received no correspondence that this service charge would begin. I noticed it when my cash account balance was {$0.00}. I have since deposited money into the account. The total amount of erroneous and unagreed upon service charges is {$32.00}.
Consumer complaint received 2021-07-21
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$7600.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$8000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : XXXX Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$6100.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3500.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3800.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3500.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$8400.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$11000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXX AMOUNT : {$1.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$12000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$16000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

I am complaining that Kraken, a regulated United States exchange,  who has processed payments from my account to possible fraudulent third parties, in particular to the merchant XXXX. XXXX  deceived me into paying for services which I never received, and refused to return my money. Upon notifying Kraken and providing proof of the situation, Kraken refused to return the funds that were wired to the beneficiary account at XXXX XXXX XXXX that is the name of Kraken and that are related to me. 

These funds were for my retirement which my late husband left me, and I was really depending on them to make life easier now in my senior years. I have been left devastated after being effectively scammed by a merchant called XXXX using Kraken as their processing exchange. I am distraught over the loss of this money, it has had a terrible effect on my mental health and life in general. 

Kraken has been silent on the issues raised in the attached letter and refuses to respond after several attempts of communication. 

Attached letter sent to Kraken and copy bank receipts of the payments made.
Consumer complaint received 2022-09-07
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. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2022-04-13
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)

Upon reviewing my credit file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I refinanced my mortgage with Bank of America in XXXX XXXX. I have public record of the mortgage being satisfied as of XXXX XXXX. It was brought to my attention in early XXXX that BOA was still showing the account on my credit report ; I was trying to apply for a loan interest credit account offered to me through a local teacher 's credit union. They brought it to my attention that my credit report showed my mortgages at double what I claimed. I contacted BOA and confirmed via mail that they showed my loan as " satisfied '' and they mailed me a " copy of lien release '' showing what they had on file. 
I am in the process of refinancing again. For the last year my credit score remained low and I did not know why. During the title search process it has come to light that BOA SOLD my loan to a servicing company, XXXX ( XXXX. XXXX ) which sold the loan to XXXX ( XXXX XXXX ) 6 months AFTER the loan was satisfied. XXXX has never sent me any info regarding holding my loan and I currently pay XXXX XXXX for my loan and they are the rightful owner of my mortgage as the loan was transferred to them in XXXX. I have all the legal documents on file with my count tax collector and will pursue this as best I can. Bank of American illegally sold my mortgage 6 months after they were paid.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

Previously with XXXX ( had a forbearance agreement to defer payments to end mortgage XXXX ) Made 6 payments with XXXX before transfer to Selene. Then denied by Selene for loan modification due to reduced income. I offered to continue making payments but was told can only pay the deferred amount of {$60000.00} to avoid default
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Chaplin & Papa, P.C. (NC)

Due to an accident that happen in XXXX that was not my fault but yet I was found guilty after being told by the judge that I did not need a lawyer to handle my case. 

I had to pay XXXX insurance company {$11.00} XXXX dollars which XXXX XXXX XXXXXXXX XXXX XXXX XXXX law firm is handling and had reached out to me to let me know that she needed me to start making payments to them which was {$56.00} a month. I paid faithfully until I was taken out of work due to fallen ill on XX/XX/XXXX. I continue to make payments until I no longer could. 

I contacted XXXX on XX/XX/XXXX to let her know what has happened at that time. She was very rude and unprofessional. She threatened to suspend my XXXX XXXX drivers license if I didn't come up with the money to continuing paying on my account. I explain to her my situation and that I couldn't work due to my condition and that I no longer had the funds to keep my payments going. She informed me to send in a doctors note saying I was under " XXXX 's care '' & my last XXXX income statement, so that she can see what she can do about making my payments cheaper. I sent the information in as requested. I did not hear back from her so I called to see what was the outcome. She stated that she couldn't do anything for me because she never received any information from me and that my problem was no longer her problem and that she will be suspending my license and in order for me to get my license back I would need to pay her {$25.00} XXXX dollars. I explain to her that I was not working and could not pay and is still under my doctors care as of today and she responded back saying that's too bad, I guess you don't need your license and hung up the phone.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX / XXXX / {$240000.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (IL)

received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XXXX XXXX, 2021 and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT. I HAVE ATTACHED A COMPY OF MY POLICE REPORT AS IT APPEARS THAT MY IDENTITY MAY HAVE BEEN COMPROMIZED.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX XXXX and XXXX  by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!