davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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: Informative Research (PA)

I received an alert that I received an Hard inquiry from " XXXX XXXX  via INFORMATIVE RESEARCH '' XXXX XXXX XXXX XXXX XXXX, CA XXXX " XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I did not apply for any credit from any of the above companies, This inquiry was performed without my consistent or permission. I have not applied for any credit. This is a direct violation of my privacy and rights. There has not been any application or documents that I signed to authorize this inquiry.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/XXXX I made a payment of {$530.00} to my credit card. The payment was received and shows as received on the statement and it additionally left my checking account. The Payment was placed on a " PYMTMONYHOLD ''. I called in that day to inquire as to why the payment was on a hold and the representative told me that they needed information from my other bank. I then called my other bank and they informed me that the money was transferred to TD and left my account so there was nothing to be done on their end. I called again on Thursday and spoke to a different representative that informed me the previous rep had lied to me about why the payment was placed on a hold. She told me that the payment had in fact been received and they were not waiting on any information from my bank and that the payment was simply on hold and would be released in 7-10 business days. My mother then informed that my line of credit and cash should not be tied up if I did indeed make the payment and the payment was received. I called again XX/XX/XXXX and spoke to " XXXX XXXX '' who could not answer any of my questions as to why the payment was on hold. He also refused to let me speak to someone higher up and simply repeated the same information I have on my credit card statement that it is a " Payment money hold ''. I make payments from this account every month and my money has only ever been " held '' twice. Before I did not know that they had a responsibility to release funds upon receiving payment, but now that I do feel taken advantage of because I am now without cash or a line of credit. My payment is also due by XX/XX/XXXX and they are holding my payment until XX/XX/XXXX and have essentially frozen my account until the next payment cycle, and has also left me with limited cash.
Consumer complaint received 2021-04-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}, {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC (CA)

I purchased brand new home from builder on XXXX last year in AZ and apply the loan at same time from builder Mortgage department and loan the approved with my high credit score quickly.the close date in XX/XX/XXXX this year, because I was in XXXX since XX/XX/XXXX, on XX/XX/XXXX I signed standard rate lock agreement .since the close the close date I couldn't by ticket back USA because virus no air tickets.so I asked to delay the close date on XX/XX/XXXX, the builder agreed it and I asked the loan department they said the lock date is expire on XX/XX/XXXX, the loan officer requested me to provide all documents to apply the loan once again, I was in XXXX I couldn't provide those documents also it is not enough time by close date on XX/XX/XXXX, I asked builder I can't take back deposit if I could't close on time.so I only borrow the money for all cash pay for my new house in AZ. I was just wondering they are same company, they haven't connected with close date and nobody informed me the first close date on XX/XX/XXXX is extension and loan still didn't ; t released, if loan officer can informed earlier, ,I still can get the loan, the builder and loan officer all knew I was in XXXX XXXX I have a big lost in this new house .and I still pay the rate lock fee over {$3000.00} by close escrow.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have recently started facing an issue with Bank of America placing a very long hold on checks and deposits. Here is a video that goes into detail about the Bank of America Freezing Funds for Small Business Owners. 

https : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX % XXXX XXXX  XXXX XXXX  XXXX? XXXX
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!
Consumer complaint received 2021-04-05
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (PA)

AAG Loan Officer XXXX XXXX abused and harrassed me repeatedly. After I pointed out mistakes on documents she sent to via email. She contacted me on a phone number I didn't give to her. I explained I bought that phone for a friend 2years ago, please don't sent any personal information to that number, she continued to send text to the number about my reverse Mortgage application. I asked her to stop. She continues to use the number and escalated the problems. I informed her I wanted a different loan officer and requested a change from AAG. I told her not to contact me anymore, but she continues to demand I obey her. I'm elderly, permanently XXXX and partially XXXX. She just threatened to cancel my loan if I didn't call her back. No reply from anyone at AAG XXXX CA
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (VA)

I was told that I was unable to get a loan through Carvana because of my job, not because of my income but because I am an XXXX XXXX. I had gotten a car loan from them a year previously and I was approved and now they say they dont give car loans to ride share drivers.
Consumer complaint received 2022-02-01
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. (IL)

Hi I am submitting this XXXX XXXX without 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 719XXXX 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 XXXX 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 n 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I submitted a 609 letter to Equifax asking them to respond to my letter and provide information on the accounts that are on my report inaccurate and incorrect. My credit report by the law is supposed to be 100 % accurate and verifiable and it is not.

They have failed to answer me within the 30-day window.
Consumer complaint received 2022-02-01
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: TD BANK US HOLDING COMPANY (UT)

TD BANK XXXX is mistakenly reporting to all 3 credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.
Consumer complaint received 2021-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

Upon closing on my XXXX mortgage loan on XX/XX/XXXX, Ameris Bank set up my escrow account. Unfortunately from the beginning of the escrow setup, the estimated monthly payment was incorrect. At that point, I faxed and emailed, on at least 3 separate occasions, an updated copy of my Homeowners premium declaration page as well as a copy of my estimated property tax amount to Ameris. Today is XX/XX/XXXX, and this issue is still not resolved. I have spoken to at least 4 supervisors that inturn spoke with a supervisor or manager from the escrow department that informed them that week after week, an escrow analyst would be performed. I was told initially that the escrow analyst would be completed on XXXX XXXX, XXXX. I have been over paying into my escrow by hundreds of dollars every month. I have spoken to a research Escalation Specialist by the name of XXXX XXXX on 2 separate occasion and he initially promised that the analyst would be complete on or before XX/XX/XXXX. I have also spoken with someone in the research department by the name of XXXX who ensured me that the escrow analyst would be complete on or before XX/XX/XXXX. At this point, I have to take further actions to get this issue resolved.
Consumer complaint received 2021-04-05
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: FC HoldCo LLC (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX. XXXX, 2020
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG HOLDINGS INC (KY)

A couple years ago I bought a tv from XXXX. The tv was $ XXXX {$400.00} dollars. I paid the tv off, however the company didnt report that I paid the tv off and decided to charge me an insanely amount of interest and late fees. Now the balance is well over {$700.00} when I paid the tv off and the tv was it even worth that much!!
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings (TN)

The company sent me an email from a dummy email address claiming I would be sued and jailed if I do not pay thousands of dollars. I received the email with identifying information about myself which led me to call the debt collector to see what the company was emailing me for. Upon speaking with a rep ; that demanded I verify my info ; I spoke about the email and the thousands of dollars and jail time the email spoke about. The rep said the email was not from them but using my info ; she was able to search and find 2 old accounts for me. Weeks later, I have an alert on my credit with the information of a supposed debt I owe and it was updated as being 1 year old and I have not had any loans for for over 10 years. The company used the email to get me to contact them because of the outrageous claims in the email ; demanded I verify my info ; blamed scammers or another company when I filed my initial complaint with CFPB then added the old outdated debt to my credit and re-aged it to being 1 year old. This is a FCRA violation. I did not call about a 10 year old account ; the agent mysteriously found in the system. I did not discuss the account. I discussed the email I received.
Consumer complaint received 2022-01-31
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. (KY)

I have some fraudulent accounts on my credit report that I did not authorize and the Credit Reporting Agencies are violation my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. If my issue is not resolved I will seek remedy and will move forward in the court of law.
Consumer complaint received 2022-01-31
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX  ( XXXX XXXX : XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I reached out to XXXX XXXX XXXX several times. After to speaking with numerous of representatives and to my medical insurance company, I was informed by my insurance that they were supposed to submit a claim to my medical insurance. I called XXXX several more times and they told me I had a XXXX balance and they would submit the claim. Well that didn't happen and then they sent my account to Wakefield Collections and now this is on my credit report twice. I sent XXXX my proof of insurance coverage and my medical id information and still they reported me to the credit agencies. 

Apparently they like for you to pay an enormous amount out of pocket so they can get more money instead of the contracted amount paid through insurance. This is ridiculous. I email and called and they never once responded back to me. Just screwed my credit.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (NY)

Due to XXXX  and my XXXX  illness, my membership with XXXX XXXX was frozen until XX/XX/2021 and the finance company, XXXX XXXX XXXX, XXXX, seeking to collect payment is the entity that confirmed via email on XX/XX/2021 that the membership was frozen and no money due or to be collected until it becomes re-activated. Emails annexed. 

Nonetheless, i continue to receive robo-phone calls at least 2-3 times per week. I have tried to call them, to no avail. I have sent emails, with the email confirmation. No success. They are threatening legal action and to ruin my credit history, which is currently excellent. 

This is not the first time that they did this. They were trying to collect membership dues while the club was mandated closed by NYS. See, letter attached. In order to keep peace, I paid them nonetheless. I paid them for XXXX through XXXX, even though the club did not open for the entire month and no way to give them 30 days notice. 

In addition, they wanted XXXX XXXX, XXXX and XXXX, although I had already spoken to the club and given them a note from my doctor. 

I have additional emails, letters and documents that can be forwarded. I was not able to attach any additional documents.
Consumer complaint received 2022-01-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

Took a 7 month COVID forbearance with our previous company XXXX XXXX XXXX XXXX When we were ready we contacted the company to resolve the forbearance and were told we qualified for a veteran extension modification. XXXX XXXX started the process and sold our loan to The Money Source. The Money Source required us to undergo a 3 month payment trial period where we were to make payments on the first of every month for 3 months or risk rejection of the extension. After honoring our obligations The Money Source has continuously sent us misinformation. Including documents claiming we owed a lower mortgage than we actually did. Their reasoning was that letters arriving by mail are issued by an automated system and we were told we need to disregard mail and call in for information regularly. They have also promised through phone calls that our resolution is almost coming but they are pending a copy of our homes Title from XXXX XXXX XXXX XXXX They have caused us fear telling us that we must continue making trial payments on the first of every month until they finish obtaining the document from XXXX XXXX XXXX XXXX I spent hours and multiple calls on the phone with them this month where we were promised that the resolution was schedule XX/XX/XXXX for our new payment and for documents to be sent our way. How we XX/XX/XXXX we were sent another letter saying theyve delayed again due to not receiving the Title from XXXX XXXX XXXX XXXX I have emailed them the Title which they rejected. It feels they are purposely drawing out the process as well as sending mixed information to confuse us and cause us to miss a payment on the XXXX of the month in order to take our home and reject the resolution. We have now been in the resolution process longer than the actual forebearance. This process only allows me to make phone calls for payment as well and will not allow me online services which means they add more difficulty by making us have to set aside an hour for hold times and phone calls to process our payments.
Consumer complaint received 2022-01-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.