davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/. Trying to unfreeze credit with TransUnion. Tried their website but it doesn't work. I get an error message and a phone number to call. Then I tried the phone number, and again it said it could not do it. I am unable to get them to unfreeze my credit. I just need it temporarily unfrozen.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent : Accounts : 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. and I do not authorize of the hard inquiry that are on my credit report.
Consumer complaint received 2017-01-31
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America cashed a forged check made payable to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX , of XXXX cashed the forged check and did not provide the funds to the XXXX or XXXX XXXX . XXXX XXXX is now XXXX. Bank of America Claims that California Code of Civil Procedure Section XXXX applies to this case limiting the statute of limitations to one year. I contend, based on counsel from XXXX XXXX, that Bank of America 's claim to California Code of Civil Procedure Section XXXX is not applicable, because it refers to claims by a " depositor. '' I further contend that my wife, XXXX XXXX and I are not a " depositor '' of Bank of America, so it is unclear upon what basis Bank of America relies upon the statute. CCP XXXX states ( emphasis added ) : XXXX An action for libel, slander, false imprisonment, seduction of a person below the age of legal consent, or by a depositor against a bank for the payment of a forged or raised check, or a check that bears a forged or unauthorized endorsement, or against any person who XXXX as defined in Section XXXX of the Business and Professions Code, for that person 's XXXX. 

I also contend that there is applicable California case law stating that the statute is limited to claims by an actual " depositor. '' For example, in the California case of XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ) ( a copy attached XXXX ), the California Court of Appeal noted that Section XXXX only applies to actions by a " depositor '' against the depositor 's bank. In the XXXX case, the plaintiff did not have a depository account with the bank, but was merely a loan customer. The appellate court said that the one-year statute of limitation only applies to a depository customer : " As plainly written, section XXXX, subdivision ( XXXX ), applies only to an action brought by a 'depositor. ' With respect to her HELOC account, Appellant is not a 'depositor. ' The one-year statute of limitations in section XXXX, subdivision ( XXXX ), therefore is not applicable to this action. '' XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ). 
Since my wife and I are not " depositors '', I again request you review your stated statute of limitations for validity against the California Case laws referenced in the above paragraph. 
We also can not verify the validity of our signatures because XXXX XXXX had access to our signatures and forged our California Licenses in order to cash the checks at Bank of America. XXXX XXXX is currently XXXX. We demand that the check for {$170000.00} be reissued to XXXX XXXX, XXXX XXXX and XXXX XXXX based on Bank of America 's cited code as not being applicable.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (VA)

I submitted a payment on my credit card at Wells Fargo Financial National Bank. The bank applied the payment to a mortgage at Wells Fargo Home Mortgage that was paid off XXXX years ago. Wells Fargo sent the payment back to me, and Wells Fargo Finncal National Bank is now calling me constantly about the supposedly overdue payment.
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I had account with wells Fargo XX/XX/XXXX to XX/XX/XXXX. I was charged ridiculous amounts for atm fees. And nsf fees when money was in bank. Then I was harrassed by phone calls from them for the end fees even money was there. All in all roughly over XXXX lost from them I got the point where I just changed banks. There people were rude and in pleasant. I do n't want free credit monitoring. I just want my hard earned money back. They were constantly asking me to open accounts for home loans. Student loans etc.
Consumer complaint received 2015-12-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NV)

On XXXX XXXX, I took out a {$200.00} loan from this company ( Cash Central ). I refinanced this loan shortly after I took it out because I knew I could n't make the complete payment on XX/XX/XXXX. I got an e-mail stating the refinance was approved and that on XX/XX/XXXX, I would have {$120.00} taken out and the remaining amount taken out on XX/XX/XXXX. Two payments of {$120.00} which would total {$250.00}. On XX/XX/XXXX, I received an e-mail stating that {$150.00} would be taken out on XX/XX/XXXX and to make sure that I had funds available. I responded to the e-mail stating that I did n't understand where the amount was coming from because I had the loan refinanced and explained that I had to make a rent payment which was why I refinanced the loan. 
On XX/XX/XXXX, they attempted to take out {$140.00} from my bank account ( which resulted in me being overdrawn ) and I filed a complaint with the local XXXX. I have not received word from them but today I received an e-mail stating that I am being charged an extra amount because the amount they tried taking out on XX/XX/XXXX was denied. I am currently overdrawn with my bank because this company did not honor the agreement I signed. I have a screen shot of the XXXX pending amounts and will provide it if necessary. Curiously enough, when I view my account now, the two payments do not show up. It 's like they were wiped out which is a good thing I have a screen shot of what my account said when I checked it on XX/XX/XXXX.
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (CO)

On Monday ( XXXX ) my opening balance with TCF was over {$300.00} and XXXX transactions from the weekend were already posted to my account. I had XXXX transactions that day, totaling {$390.00} and no other transactions. When I checked my account on XXXX, TCF charged me {$140.00} in overdraft fees for the XXXX transactions that had already posted to my account. When I asked why I got charged overdraft fees for those instead of the pending transactions, the TCF rep said it took money from my account to cover the pending transactions. When I checked my account today ( XXXX ), I found I now have been charged overdraft fees for those XXXX pending transactions as well, bringing my total overdraft fees to {$220.00}. Since none of the XXXX transactions were more than {$200.00}, I do not understand their logic.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (OH)

XXXX collections have been placed on my credit report relating to unpaid utilities that are not mine. All XXXX collections seem to relate to an address at which I have never lived. I contacted the utility company associated with Pro Collect 's collection, and they confirmed the delinquent account is under a different social security number and birth date as mine ( although same last name ). Pro Collect refuses to remove the collection despite me providing information to demonstrate it is not mine. I have contacted all XXXX credit reporting agencies and submitted documents and a letter proving that the debt is not mine, yet the collection continue to appear on my credit report and remains unresolved.
Consumer complaint received 2023-10-09
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

On XXXX/XXXX/15 my house got damaged because of very strong winds. Per " XXXX XXXX '' insurance the damage included the roof, ceiling of the living room, etc., in total amount of {$11000.00}. They quickly sent the check and instructed to contact our Loan company ( Seneca Mortgage Servicing ) for loss draft. Ever since XXXX/XXXX/15 I called them around XXXX times, faxed and mailed out all the documentation they requested, however ; even though I have spoken to different representatives at different times, it appeared that they were just reading a ready script, repeating the same thing over and over ( " please, allow us 7-10 business days '' ). It is worth to mention that even after 40 business days they still have n't done anything. So, I requested to speak to a supervisor, who XXXX XXXX XXXX XXXX called back on XXXX/XXXX/15 and left a voice mail on my phone stating that within 3-4 business days the " whole thing will be done and you will have the check '' ). I was shocked when after 7 business days of waiting I called back and the next representative told me the same script " please, allow us 7-10 business days ''. This is a mortgage company that is suppose to make sure that consumer 's house does n't go to foreclosure, instead, because of their careless attitude I literally live without a roof, the damage of my house gets worst and worst, since within 3 month there have been more winds and rain. Neighter the representatives, nor the supervisor care that my family 's health and well being is under a big question mark. 
I would like to request your assistance in getting my insurance check ASAP since it became impossible to do business with Seneca Mortgaging Services. 
Thank youXXXX XXXX
Consumer complaint received 2015-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

I recently opened up a checking account at the Key Bank XXXX XXXX XXXX location with XXXX XXXX. I opened this account because she said it would drastically increase the interest rate on my CD. I already have a checking account that I am happy with, so I informed her that I would not use the new account and would there be fees if I did n't use it. She said no as long as I kept {$50.00} in the account. So I went ahead and opened the checking account. 

I received a letter dated XXXX XXXX, 2015 informing me that I would be receiving an inactivity fee on this checking account. This was surprising to me because I know I specifically asked about such fees associated with this account. The representative did not disclose this to me and led me to open a checking account which I do not want. 

I called the number listed on the letter and they said that this is correct, I will be assessed fees. I understand how to avoid these fees but my issue is the total misrepresentation of my account by your banking rep. 

At the time I opened the XXXX I was also told there would be no fees to transfer money from my savings account with them to the XXXX however, I was charged a {$50.00} fee.
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (WA)

My mortgage was purchased by XXXX and XXXX reassigned servicing of the mortgage to Roundpoint Mortgage Servicing Corporation. I received notice of this reassignment with letters dated XX/XX/XXXX ( from XXXX ) and XX/XX/XXXX ( from the previous mortgage holder - XXXX ). Both letters indicated the new servicer was Roundpoint Mortgage Servicing Corporation. 

I have not received *any* contact from Roundpoint Mortgage Servicing Corporation regarding servicing of my loan. I have called Roundpoint twice - once on XX/XX/XXXX and once on XX/XX/XXXX. Each time they have stated the mortgage is being processed, that they are unable to accept payment until the mortgage is processed, and that I should check back in a week. I am now at XX/XX/XXXX, and my mortgage payment is due tomorrow. However, I have no servicer to send it to, since Roundpoint apparently believes they are not servicing my mortgage. 

I am in a bind where I have to pay my mortgage, that I know Roundpoint needs to accept my payment, but Roundpoint is not willing to accept my payment. I ca n't pay my mortgage.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2016-06-03
Product: Credit card — 
Issue: Other — 
Company: Alpha Recovery Corp (AZ)

I applied for an XXXX XXXX Card online for less than perfect credit. I was told that they required further verification documents. Since i didnt receive an email from them i decided to call today. XXXX website is said to be financed by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Today i called whom I thought was XXXX, to follow up and see which documents they required and was told that their other " department '' as stated by the representative will handle my call. When I asked the name of the company they stated XXXX XXXX XXXX XXXX. When I asked her if they were affiliated with XXXX she refused to answer the question. She then stated that my account is being serviced by Alpha Recovery Corp, XXXX. When I called that number they said they were a debt collection agency and were attempting to collect a debt. I informed them that I am working with Attorney XXXX XXXXXXXX XXXX Lawyers due to some incorrect and unlawful reporting for this specific account on my credit report. My attorney has made disputes through the credit agencies addressing the miss use of collection reporting by this company. So I feel that XXXX was a cover up company for XXXX XXXX ( Milestone ) who was trying to collect a debt through Alpha recovery and XXXX XXXX without providing validation of the debt as requested through my attorney and from my direct disputing through the credit agencies in the past.
Consumer complaint received 2016-10-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I purchased a new car on XXXX XXXX. The car dealer called Citizens Bank to get a 10 day payoff on my loan, good till XXXX XXXX. The dealer sent the check the next day. When I balanced my checkbook on XXXX XXXX. I noticed that Citizens bank had taken the automatic payment out of my checking account at XXXX XXXX XXXX Bank. I called Citizens and they stated that they did not close the loan until XXXX XXXX. ( stating that they did not receive the check until XXXX. XXXX. ). I told them that I did not believe that the check took that long to arrive. XXXX told me a check was issued to me for the amount overpaid, they deducted additional interest. Today ( XXXX XXXX, ) I called Citizens Bank again and talked to a supervisor named XXXX, because on XXXX XXXX. I received a letter that the loan had been paid in full ( dated XXXX, XXXX ) but no refund check was included. XXXX stated that they hold any over payment for 10 business days after the loan was satisfied and that my check would be mailed out on Wed. the XX/XX/XXXX.. I questioned her about the delay in posting the dealer payment and she first stated that sometimes it takes 3 or 4 business days to post, then she said they did not receive the check till XXXX XXXX I again told her that I did not believe this and asked where is my money. She then stated that they hold the over payment for 10 business days. I asked her why, and she simply said that is their policy. I asked her if I would receive interest on my money and she stated no. I believe that Citizens bank is deliberately delaying the posting of payment and the return of consumer 's money to make additional interest for the bank. If this is not illegal it should be, it does hurt the consumer and is not ethical. My amount of money lost is minimal but if they are doing this on thousands of car loans a month, then the additional interest earned for them could be staggering. I still have another car loan from Citizens Bank and I am afraid when I trade that car in another year I will run into the same problem again.
Consumer complaint received 2015-08-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

We paid off our Citizens Bank home equity loan in XX/XX/XXXX. We paid off our Citizens Bank HELOC in XX/XX/XXXX. Citizens Bank never sent us discharge notices. Citizens Bank never sent us the original notes stamped PAID. Citizens bank never recorded the discharges with the registry of deeds. Now, we are trying to refinance our current HELOC ( which is held by a different bank ), and we are blocked from doing so because the discharges for the previous loans were not recorded.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MI)

I am writing to formally dispute a fraudulent inquiry on my credit report, specifically the hard inquiries from CBNA dated XXXX, XXXX. I did not authorize this inquiries and I am a victim of identity theft.XXXX  has complied and proceeded to remove the following inquiries from my credit report all while XXXX chooses to willingly participate in fraudulently activities.All of the exhibits needed are will be below. 

Despite previously disputing this inquiry, I have not received a satisfactory resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into disputes. Your failure to do so constitutes a violation of my rights as a consumer.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (LA)

There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care.
Consumer complaint received 2016-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I bought XXXX XXXX phone purchased in full. I had a no contract month to month payment plan where you paid for any phone service up front. I canceled the service due to the month to month price increasing. I do NOT owe XXXX any money. My credit report indicates it is in collections. This is an error on the part of XXXX!