davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo opened a fraudulent account in my name and charged me fees for it. They have also shut down accounts i have in good standing for years because of one missed payment in which i was investigating due to the fraudulent account. I would like to have these accounts in good standing ( non usable ) at a lower interest rate due to the fraudulent account. If they are closed as derogatory this will affect my credit and since i am in the business of XXXX this will have a great affect on my career.
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc (MI)

Today the XX/XX/XXXX a girl i am friends with messaged me. She was portraying to have a new job that associated with bitcoin and she had now worked for the government, helping with CoronaVirus relief funds. she said if i deposited {$500.00} i would be reimbursed {$5000.00}. they made it very convincing with pictures of proof and everything. I then went to a XXXX ATM and deposited {$500.00}. I then recieved an email stating that my XXXX was pending in my account but i had to pay {$1000.00} to get the money out. I proceided to say i did not have {$1000.00} and they offered to pay {$500.00} if i paid {$500.00} as well. So i deposited another {$520.00} in case there was any Fee. Once this transaction was complete she told me that her agent would message me to get more info so the bitcoin would be deposited. A man so called named " XXXX '' asked for my ID, my Social Media account login, as well as my social security number for verification purposes. I was never compensated for the payments i provided. They hacked my Social media accounts and changed the email so i cant access them. They are minupliating hundreds of people and now they are using my social media account to do so.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On XX/XX/20 I applied for a loan my bank contacted me and said that there was a freeze on report with Experian. I first tried to call and I was directed to there web site. I have an account so I logged in follow the steps to remove the freeze. After completing I get a message that says something went wrong and to call XXXX number. I called the number it is an automated service I give the info they ask for and follow the props. and it just goes on and on no matter what I select in the end it hangs up with no resolution. So I tried to email several time with same results they want me to call a XXXX number that I have called. I need to speak to a person to get this issue resolved. There lack of response is a big problem for me not being able to get a loan
Consumer complaint received 2020-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I was sent {$11000.00} around XXXX. I cant get the exact dates because Suntrust has a temporary hold on my account and I cant access my statements. When my deposit came, Suntrust immediately put a hold on my account. Its been 3 months, going on 4, that Suntrust still has a hold on my account and have still not closed my account to send me my money in a check. I call every other week and they give me the same  response, We talked to the Fraud department and we cant give you any explanation other than there is still an on going investigation on your account. I asked them, why? My account STILL has yet to even be closed! That money was supposed to go to bills, my child, school, and I still have yet to receive anything but a vague answer. And they then go on to say my account is in a high end investigation meaning they grouped many accounts into different groups to investigate. The problem is, I shouldnt even be grouped with anyone else because my money was a money transfer. Please investigate this problem because I believe they are inappropriately using their power to hold onto many peoples money. Theres been a lot more people in my same situation with Suntrust bank.
Consumer complaint received 2021-12-30
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. (OK)

I XXXX XXXX, contacted TransUnion via certified mail from the USPS. It has been over 30 days and they are in violation of my consumer rights in addition to violations I listed in the affiliate. The law clearly states that the negative disputed information must be removed if an investigation is not completed in the 30 days congress set as the time frame. I am demanding all items i disputed be removed immediately. TransUnion is not above the law and must remove the items. They sent me a letter stating they that they were unable to locate a credit report ( consumer report ) for me. However This couldn't be true due to the fact that I enclosed a copy of my Drivers license and proof of address. Also TransUnion letter also contained my consumer file number on the top of the letter they sent and at the bottom of the letter for me to use to contact them. This was a terrible stall tactic that was used to knowingly and willfully continue to try to violate my rights as a consumer. Obviously you have my file if you have my file number.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is the bank that manages my California Unemployment Benefits Card. BofA blocked my card onXX/XX/XXXXbecause I returned a home appliance originally purchased with the card - the credit registered with them as fraud XXXX it is not ). My card is now closed and I can not access the {$10000.00} on my card. I have been on hold at Bank of America for 5.5 hours so far today trying to clear the issue. Their system has hung up on me over 8 times. I am put on hold for over an hour at a time, and then the BofA system ends the call - I have to call back in and start at the beginning of the process all over again. I asked to speak to a supervisor in the fraud department to try to get help and I was told the supervisors were all going into a meeting but someone would be back with me. That was over an hour ago. Bank of America is making it impossible for me to access my funds. This is honestly boarding on criminal and abusive treatment by the bank.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (DE)

On or around XXXX XXXX 2020, I received a letter from Midland Credit Management about a supposed debt I owed. I was told to send a written dispute certified mail which I did on or about XXXX/XXXX/2020. I heard nothing since, except the signed receipt from the certified mail that is was received by Midland Credit Management. Then today I received received a dunning notice offering a 10 % settlement. I called company. I asked for debt validation. they would not give me a straight answer and avoided question and just said you have to call this department. Then the individual on phone named XXXX XXXX called me a thief. She said and I quote " if you went into XXXX would you just walk out with a color TV without paying? '' I couldn't believe my ears. I feel like she was a calling me a thief. She said there must be a reason you feel that way. Then she said it is not up to us to prove the debt valid it is up to you to prove you don't owe the debt. Wow then another collector jumped on call interrupted me and hung up. I am asking for proper verification of the debt if that can not be provided then i feel this debt should be zeroed out since it is obviously fraudulent in some way. I also think any negative information on my XXXX should be removed as well. Please help me i am alarmed that a company can do this. My credit is important and needs to be protected from preditory companies like this. Especially when located in XXXX a hot bed for Fraud,.
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

My mortgage company is reporting a past due mortgage to the credit bureau when my mortgage is not past due. They are also trying to make me pay a balance that was not included in my mortgage refinance. About a year after I refinanced my mortgage through a modification, Carrington Mortgage Services then started adding a balance of {$6000.00} plus to my mortgage which already included in the modified amount of the mortgage. Nowhere in my modification documents does this amount exist otherwise but someone in the bankruptcy department decided to add the additional to my bankruptcy even after it was applied to the balance in my modification. They have now reported this as a past due payment to the credit bureau when in fact my mortgage is current and has been for some time They are now showing my mortgage as 7 months past due as of this complaint filing for {$20.00} per month payments. I have asked them to correct this and they have refused. My bankruptcy will discharge this month and they were originally included until the modification, at which time they gave notice of no claim. They simply refuse to correct this and now puts me in a situation whereas I am unable to refinance my mortgage with anyone.

Also they have this fee on my account that I don't know why its there for {$90.00}. I had originally thought I'd need Covid relief, but did not, and have been making my payments. They are just daily distorting my account because I believe they want to try to illegally foreclose on my home.
Consumer complaint received 2021-12-30
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. (HI)

Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used inXX/XX/XXXXand XXXX. Serious delinquency inXX/XX/XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information
Consumer complaint received 2021-12-30
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: CL Holdings LLC (FL)

XXXX XXXX is reporting a fraud account on my credit. I have contacted the company and informed them that this account is not mine, and yet is continues to report on my credit. Please see the attached FTC report and remove this account from my credit.
Consumer complaint received 2020-09-14
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-01
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: EQUIFAX, INC. (GA)

I submitted various documentation to XXXX and Equifax that the debt reported by XXXX XXXX XXXX should be removed because I do not owe anything and the account was not removed nor was it properly investigated.
Consumer complaint received 2020-09-23
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. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: National Credit Adjusters, LLC (TN)

Back in XXXX I got a Payday Loan from XXXX XXXX XXXX XXXX for {$300.00}. I paid this loan back in full but now I see them on my Credit Report for XXXX they said it was opened on XX/XX/XXXX I asked them to show me any Paperwork showing be wear I signed for a loan or the check that was used
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I recently moved from XXXX to XXXX. I sold my house in XXXX  and applied for a home loan with USAA, whom I prefer to do business with usually. However, the Loan Officer ( XXXX XXXX, NMLS ID XXXX ) they assigned to me appears to be incompetent and negligent in his duties. I am a licensed professional and was offered a job with an agency in XXXX doing contract work but I knew that lenders might not consider that form of employment when applying for a loan. I explained to Mr. XXXX that my new job would be a " W-9 '' position instead of a " W-2 '' position. He told me I would be okay to get a loan with that job as long as the employer provider a letter stating how much I would make working for them full-time. As a result, I accepted the job, sent him the letter, and completed the home loan application. He sent me a pre-approval letter on XX/XX/2020 in the amount of {$400000.00}. I contacted a real estate agent and started searching for homes. Then, about a week later, he called me to ask if my job was a " W-9 '' position and when I reminded him that it was, he stated that I was no longer qualified for a home loan of ANY amount. He told me I needed to find a W-2 job in order to get a home. I had to resign from my new W-9 job and find another a new job. After several weeks of applying, I was  fortunate to be offered a " W-2 '' job with another agency. Unfortunately, the W-2 job paid significantly less than the W-9 job I had to resign from. As a result, Mr. XXXX informed me I was not approved for {$400000.00}. However, on XX/XX/2020 Mr. XXXX sent me two pre-approval letters, one in the amount of {$300000.00} and one in the amount of {$320000.00} ( with a {$20000.00} downpayment ). Additionally, he sent me another pre-approval letter on XX/XX/2020 for the amount of {$370000.00} with several other stipulations. However, later on the same day, he contacted me to ask me what the " third source of income '' I allegedly reported to him was in the amount of {$630.00} per month. I advised him that I never told him about a third source of income and he stated that he wouldn't have just written it down if I had not said it. When asked why he didn't ask me what the third source of income was AT THE TIME I allegedly said it, he could not answer me. Long story short, he has approved me for home loans FOUR different times and has then gone on to retract those offers all four times due to HIS mistakes. The emotional roller coaster he has put me and my family through is completely unforgivable. His actions and poor service are unprofessional, unacceptable, and negligent. I asked to speak to his supervisor and he directed me to his email signature. I called his supervisor ( XXXX XXXX, NMLS ID XXXX ) and of course, he did not answer his phone. I would be shocked if there were not more complaints against him already.
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TX)

On XX/XX/XXXX, I sent dispute to all three credit bureaus and XXXX   and XXXX  removed the United Collections Bureau from my reports on XX/XX/XXXX. XXXX  stated that they verified information was accurate. United Collection Bureau-XXXX and United Collection Bureau-XXXX. On XX/XX/XXXX I sent this letter via online, " I do not believe you did an investigation. This means you are now required to prove that there was in fact an independent investigation and Im certain that I shouldnt have to reference anything because youre required to know the law, but section 609 protects me against false reporting and I should point out here that Thats exactly what this is! " .On XX/XX/XXXX XXXX came back with account verified. I did not receive any documentation of the investigation done by XXXX. On XX/XX/XXXX I sent another letter via online, I recently received an answer to this dispute Report # XXXX, which says that the account UNITED COLLECTION BUREAU- XXXX was verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. 
I am requesting the Method of Verification for the following disputed account. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ).

This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account. 
Please provide the following items, identify items by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor 2. The creditors address and telephone number 3. The name of the person at XXXX who verified the dispute with the original creditor 4. The name of the person at the original creditor you verified the dispute with 5. The documentation used to verify the dispute On XX/XX/XXXX received response from XXXX for both accounts as it remains and once again did not receive any documentation from XXXX. 

on XX/XX/XXXX I called XXXX XXXX XXXX and spoke to XXXX for both accounts and requested the records for the files on XXXX and XXXX. She told me that they only have a detailed bill I also asked for the HIPPA form I signed to release this information to anyone. They dont have it and they have no record of any Bureau memos disputing this account. I then called UCB representatives XXXX and XXXX from the Extreme Department and I requested to open another dispute and to please investigate the information. They both told me they do not investigate accounts, that they are data furnishers only, I asked for a supervisor and both refused a supervisor.
Consumer complaint received 2020-09-14
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. (NY)

I am writing to dispute fraudulent accounts that are on my account. I am a victim of identity theft. I did not nor was I aware of these fraudulent charges on my credit report. I am asking that these charges please be removed and that I will 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
Consumer complaint received 2020-09-14
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

After waiting many weeks ( early XXXX ) after submitting everything required by the mortgage lender, rocket mortgage, and only after repeatedly pestering them during the long silent interim, finally rocket mortgage and and XXXX were ready to close on my mortgage, as was I on Friday XX/XX/XXXX. Despite plenty of reiteration and generous notification, they failed to properly arrange the split signing required as the consignor and myself are in different states. This resulted in more delay on a loan that was already part of a protracted process and put financial hardship in myself, not to mention the XXXX XXXX. The companies are slow to respond, if they do at all, and don't seem to care about closing my loan. I've given them everything they have requested. The neglect and incompetence is impressive.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Tried to open an additional savings account with Merrill Edge and they declined me, would not specify why, even thou I was an existing customer. I therefore started to remove my assets and they closed the account halfway thru the transfer and wont release my funds