davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife passed away over a year ago I went to close her account and they directed me to the estate unit they sent me a letter refusing to release the funds and I would have to hire an accountant or a lawyer and go to court l didn't feel it was worth it at the time but now I feel it was wrong for them to keep her money because she died The bank in question is bank of America. Account under XXXX XXXX account # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (FL)

My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with LV funding, XXXXXXXX XXXX XXXX XXXX. I never charged anything on those accounts. I would like them removed and my birthdate corrected.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2022 a inquiry was made on my credit was not authorized by myself by XXXX XXXX I myself did not ask for this or know anything about it. 15 U.S.C 1681i ( a ) states that all information be correct by finding of thorough investigation if not this must be DELETED from my credit report! Furthermore 15 U.S.C 1681 states to credit bureaus that I have a right to privacy as well as confidentiality as they have an obligation to fair and accurate credit reporting.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2022 a inquiry was made on my credit was not authorized by myself by XXXX XXXX I myself did not ask for this or know anything about it. 15 U.S.C 1681i ( a ) states that all information be correct by finding of thorough investigation if not this must be DELETED from my credit report! Furthermore 15 U.S.C 1681 states to credit bureaus that I have a right to privacy as well as confidentiality as they have an obligation to fair and accurate credit reporting.
Consumer complaint received 2022-08-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (OH)

I found out after closing that Caliber included a parcel of land on the XXXX work that was not part of the loan. The loan was a refi of my house which is on a XXXX acre parcel and that is all that was appraised and included in the refi. However, another XXXX acre parcel that i own was mistakenly included in the title work so, it is showing on title search that Caliber has a lien on it as well. I have been trying to get this fixed for almost 2 months. The loan originator, title company and Caliber admit it was an error and have been provided with corrected title work but, still have not filed the correction with my county. This is preventing me from moving forward on a project on my XXXX acre parcel. Every time i call, i am told it has been escalated but, nothing has been done. I was told last week that it would be resolved today but, when I called, i was told it was still in review!
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am filing this complaint because I'm going through a really stressful time due to Portfolio Recovery Associates , LLC 's actions. 

I filed an arbitration case against Portfolio, who is reporting the account involved in this matter. Portfolio has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX ( the original creditor ). Portfolio has been overly aggressive and has harassed me in trying to collect this debt, for which I wanted to take legal action, and the contract only allows for arbitration. 

Now the XXXX XXXX XXXX tells me that Portfolio is out of compliance with them, which means that not only my contract with XXXX, but the contract terms of each and every consumer that has been sold to Portfolio will not be upheld. 

So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am attaching the proof of the filing.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (TX)

I am filing a complaint against Wells Fargo financial services for student loans that they have apparently charged off because it is showing up on my XXXX XXXX credit report even though I am making monthly payments. The loan numbers are # XXXX and # XXXX I would like Wells Fargo to send me all the documentation on these loans including all of the phone transcripts of our conversations during this time. The loans were put on a Covid deferment since I was a physician helping during a very stressful pandemic. The loans can not be charged off unless there was not a payment for six months and this was not the case because I was in a Covid deferment or forbearance for three of those months. They stated on the phone that it was my responsibility to contact them every week during a pandemic mind you and let them know what was going on. This is absolutely ridiculous! I have contacted them numerous times about having these charge offs removed and they are refusing to do so. 

Keep in mind during this whole time I did not speak to Wells Fargo one time. My wife may have but these are not her loans, these are my loans. I never received a phone call and I never received anything in the mail regarding these loans. I have a lot of student loans out there because of medical school. I have never defaulted on anything! It was due to poor communication on their part and it is completely unacceptable. The charge-offs need to be removed from my credit report immediately. 

Again I am requesting all documentation pertaining to these loans as well as phone conversations that my wife XXXX XXXX and I have had regarding these loans. I can tell you that if I ran my practice the way that Wells Fargo runs their business I would have no patients and I would not be successful. They should be ashamed of the way they have handled the student loans. Especially when someone is obviously willing to pay them and then instead of them working with that person during a pandemic they decide to submit these loans as charge-offs. Like I previously stated I have student loans with many other service providers and I have never had this issue.
Consumer complaint received 2022-08-24
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. (NC)

I went to the bank to get a business capital loan from XXXX XXXX XXXX  and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into XXXX and i spoke to the fraud dept, with an agent name XXXX at XXXX XXXX  XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TN)

I had 4 payments from savings to a moving company that lied, they stole from us and broke many of our other things. ( over XXXX in stolen and damaged goods on top of the over XXXX we payed to get things back because they upped the prices after having our things, we were quoted under XXXX ) We are pursuing the XXXX but were also instructed by a law branch to reach out as they did not render services as promised and we should not be held accountable for the payments. Two of them came from savings withdrew directly from the account, the other two were sent from the bank through XXXX that was offered from the bank application. Upon reaching out they decided not to pursue helping and just closed the complaints. 
The claims were filed XX/XX/22 Transaction dates and amounts : XX/XX/22 to XXXX XXXX XXXX ( known as A-on-Time and now " closed '' ) {$1300.00} same group on XX/XX/22 {$880.00} Through XXXX to ( Flash boys moving ) XX/XX/22 {$480.00} XX/XX/22 {$1000.00} There was also cash given due to the company lying and making changes how I can pay after having my items loaded on the truck. I am aware I can not prove the cash was withdrawn to pay the movers ( despite it being withdrew the same day the XXXX was sent ) but I would like to be reimbursed for the amounts that can be proven. The moving company is a scam and services were not rendered. They did not complete their end of the service. The insurance on the paperwork was not able to be utilized because the company closed.
Consumer complaint received 2022-08-24
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

I have moved. I want to pay off this loan so I can sell the vehicle. I need the title to come to my new address. 

I have been trying for XXXX days to get the address updated. Starting on XX/XX/XXXX. 

They requested documentation proving new address. I sent them a copy of my latest bank statement with current address. 

XX/XX/XXXX I asked when will this be done. XXXX is unavailble. 

XX/XX/XXXX I asked when will be done. Reply = Soon. I ask could I speak to a supervisor, Told none available. 

What in the actual # # # # is going on???? I can not move forward without a simple address change. 

XX/XX/XXXX went to XXXX of their branches, told their system will not allow them to pull up the account. WHAT???????? 

Bank is CIT Problem still unresolved
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 — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX - Synchrony Bank / Paypal made a hard inquiry with my social security number via XXXX under my maiden name XXXX XXXX that I changed 12 years ago and an old address from XXXX.
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (WV)

I went to the XXXX in XXXX. I had a medical card coverage. But somehow still ended up with a bill. I never received the bill until after it had been sent to collection. I called the collection company to see what needed to be down considering there should have never been a bill, the medical card should have covered it. The collection company proceeded to tell me not to pay the debt. That would drop my credit score down further. But instead pay them {$190.00} to have them file a dispute and have it removed from my credit report.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bank with Bank of America in California and have done so for more than a decade, perhaps much longer. As of XX/XX/2022, every check I have written has been flagged for fraud and required an immediate confirmation from me, by text, for the check to be processed. While the claim is regarding " unusual activity '', the checks flagged are some of the most regular transactions I make. My rent check is the same amount, to the same entity, at the same time of the month, every month, for more than a decade -- -yet it is " unusual ''. Similar checks have been flagged, 5 in numerical sequence. Now I see that my credit card ( I have 2 with Bank of America ) is also indiscriminately flagged and transactions being rejected on the basis of fraud. These include regular subscription charges that have occurred for years for the same amount at the same time to the same vendor. 
The net effect is that Bank of America, under the auspices of " fraud protection '' is refusing to make the payments I authorize unless I am available to respond to texts -- sometimes that is not even an option. 
I have spoken with a number of service agents and none have the ability/authority to actually address the issue of a global denial of payment processing for my accounts, apart from " leaving a note in my file, '' which they have admitted, is not something a computer will read or regard. 
Discussions with supervisors have only resulted in them saying " we're doing the best we can ''. 
I believe that Bank of America has flagged my account and rendered it functionally inoperative as a retaliation for my negative feedback and my frequent use of the customer service phone contact, or some other reason. I can not believe that this level of " protection '' is being used across all of their consumer accounts, or their business would cease to function, therefore if it is specific to my account, it is to discourage or punish my use of the bank, which has not materially changed. I maintain substantial checking and savings balances, do not carry a balance on any of my credit cards and do not initiate chargebacks or other costly banking services with any frequency. My behavior has not changed, but the behavior of my bank has drastically changed. I can not seem to contact anyone who has the authority to address more than individual transactions, while my problem occurs across the entire company.
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Good afternoon, I received this collection letter from Credit Collection Services owing {$1200.00} supposedly filed by XXXX XXXX XXXX which did not belong to me. I have never had a procedure done in XXXX XXXX XXXX, at all. Now I am a little concerned why they are billing me for this when I have not visited any XXXX XXXX XXXX at any location. I hope this is not a stolen identity in my part. They can call my Insurance Company since they have me on file or speak to my Medical Doctor to confirm this. SO please remove me from this claim. They keep mailing me a collection letter and I would appreciate it if those letters stop! This is under Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. REF XXXX XXXX XXXX ( XXXX XXXX ). Please have Credit Collection remove me from their files. 

Thank you XXXX
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (NY)

I am one of the depositors in Celsius that has most of my life-saving funds currently locked in the platform. I am still feeling confused, having mental trauma and the current Celsius situation has gotten myself into a financial constraint that somewhat changed and restricted my usual day to day life. With that, I am seeking help urgently from you, as I am feeling helpless at this very moment. 

Most of the depositors, including myself have been misled in some way and thinking if there are any legal recourses in returning back the deposits, for myself or others who are depending heavily on the deposits to get our family and life going in the coming months. 

In the CEOAs weekly - Ask Me Anything meeting, we had been consistently communicated and made to believe our assets deposited in Celsius are safe as we were told those deposited assets are loaned out to big institutional investors, that was backed with over-collateralized assets while we can also withdraw our funds in full anytime. By that understanding, therefore majority of the depositors, including myself had been signed up. In fact, I placed all the fiat-term deposits into Celsius especially when XXXX said XXXX numerous times in XXXX how Celsius is even safer than a bank. 

During the filing of chapter XXXX on XX/XX/2022, many depositors including myself were caught off guardand we felt tremendously misled, as we came to know behind the scenes, various highrisks activities were involved in deploying our assets. In the XXXX  XXXX filing document, Celsius declared the depositor assets had been XXXX for Market making, Swing Trading, Spot Trading and Cash & Curry activities involves trading and leveraging demand in future markets. All these activities were never clearly communicated and disclosed explicitly to us community or in the XXXX. Had we made known clearly, through an online hosted and transparent briefing of what those high-risks activities are, many of us, including myself would not have taken the risks in depositing our life-saving / retirement funds in it. 

Up to the days before the withdrawal pause on XX/XX/XXXX, XXXX was still lying around and telling everyone how safe the platform is, and that there was no problem at all if anyone wish for a full withdrawal. 

Due to this fraudulent behavior, I am now fully locked out of my XXXX ETH tokens and XXXX XXXX tokens -- worth about $ XXXX at the time of my investment ( now conveniently for Celsius only around {$10000.00} at the time bankruptcy was declared ), not to mention the amount of APY I was promised as a creditor to the tune of almost {$2000.00}.