davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX of 2020 I received a settlement from a lawsuit that I had against the company that I worked for in the state of Pennsylvania XXXX XXXX XXXX XXXX  d/b/a XXXX  XXXX  ). I received two checks from the company after winning the lawsuit. I deposited those checks into my savings account at Bank of America on XXXX, XXXXOne check was in the amount of {$5800.00} and the second check was for {$3600.00}. The check for {$3600.00} cleared, The larger check for {$5800.00} had been returned for insufficient funds, my attorney had reached out to the company so they can issue another check for me along with an additional check for {$12.00} to cover the fee that I was charged by Bank of America. The company issued me a new check for {$5800.00} and another for {$12.00} to cover the bank fee and I in turn deposited those checks into my checking account again at Bank of America on XXXX XXXX. The checks had cleared on XXXX XXXX. After the checks all cleared I transferred the XXXX from my checking account to my savings account. After transfering the money to my savings, the banks risk department put a hold on the checks which had cleared, froze and closed my accounts. I contacted the bank to find out what was going on, they told me that they were investigating the funds. I went to the my local Bank of America Branch to find out what was going on and they told me they can't give me any information because they are not allowed to speak to anyone in the risk department. I have made numerous calls to Bank of America and they keep telling me that they don't know when their investigation will be complete. Each time I have called I have offered to submit court documents that show the funds belong to me. I had also reached out to my attorney who handled the lawsuit for me, who offered to submit evidence to the bank of America that it is my money. My attorney also contacted the company that issued the checks who in turn offered to submit proof that they indeed made those payments to me. Bank of America refused any evidence from all parties, they refused to speak with or receive any evidence from myself, my lawsuit attorney, nor the company that issued me the checks stating that they have to do their own investigation and will let us know when it competes. It should also be noted that the company that issued the checks to me also banks with Bank of America. I have continued to attempt to rectify this situation with Bank of America and receive my funds which belong to me.
Consumer complaint received 2023-03-06
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Today 's date is XX/XX/XXXX. For the last two years I have received a phone call from Portfolio Recovery. It is different phone number each time and they never leave a message. I have written to the company but have had no reply. My credit rating is 825+ and I have no debt.
Consumer complaint received 2021-01-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have an account with XXXX XXXX XXXX. On XX/XX/2020 I received a CC statement with a " XXXX XXXX '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe XXXX any additional funds. However, my account accrued prorated daily interest onXX/XX/XXXX-XX/XX/XXXX2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and XXXX did send me an email, which I later realized. However, as an XXXX XXXX XXXX during Covid-19, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to XXXX in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because XXXX is claiming there was no banking error they will not change the delinquency reporting. Because XXXX will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if XXXX reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.
Consumer complaint received 2021-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$350.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (TN)

I received a letter from ONLINE INFORMATION SERVICES and they alleged creditor is XXXX XXXX XXXX XXXX XXXX XXXX. They stated in the letter this was a attempt to collect a debt. According to federal law I'm not obligated to any debt in which, I responded to them in a affidavit of truth. The balance was shown in the positive for {$120.00} and I know I can not pay on a positive. This was a consumer credit transaction so I have no debt owed. They also were in violation of the federal laws and they have received my invoice for that.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$290.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

American violated my Federally Protected consumer rights. American Express also committed identity theft and 9 other violations under the FDCPA.

Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692c ( 2 ) ( A ) 15 USC 16
92e ( 10 )
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Issue : I have no reasonably fast way to unfreeze my credit with TransUnion I have been able to unfreeze my credit with XXXX and XXXX, but not with TransUnion. 

I froze my credit years ago with all 3 credit bureaus. At the time, I obtained a PIN for each account. 

***I AM REFINANCING MY HOME AND THIS IS AFFECTING THE RATE I WILL PAY TO REFINANCE AS I CAN NOT UNFREEZE MY CREDIT*** XX/XX/21 : I go to TransUnion 's website to unfreeze my credit report. I have a username and password. TransUnion requires a temporary pin to be sent to an email address to login. They do not send the temporary pin and I end up having my account suspended trying to login. 

XX/XX/21 : Email is sent by TransUnion telling me how to unlock my account. I have to email them a copy of my ID, but first you have to call them to get a reference number. I call to get a reference number but they have no available associates. I have not received a call back through their automated system and there is not reasonable way to reach them. 

XX/XX/21 : My credit is still frozen with TransUnion. My account is still locked. There is no way to reach anyone in a reasonable amount of time. This is an issue for individuals having technical difficulties with TransUnion and is resulting in individuals not being able to access their credit in a reasonable amount of time. 

Thank you
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (PA)

I applied for a mortgage refinance from same lender. I have signed up for receiving my documents via email only from the lender for my existing mortgage. Inspite of that lender sent me loan diclosure for refinace through USPS. Now, due to election USPS delivered my package to wrong address. 
People who received my package delivered my package to me but not before they opened it. I can not do anything since per law they claim that they have opened it by mistake. 
And to my surprise, New Rez doesn't even mask PII like SSN on the loan disclosure document.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Sent letter by XXXX on XX/XX/2020 and by certified mail on XX/XX/2020 to Commonwealth Financial Systems for two items that appeared on my credit report in XX/XX/2020. I requested verification that the debt was mine in the form of my signature. I received itemized statements for both. The statement for {$1400.00} not only does not contain my signature, it also does not contain my name. The statement for {$290.00} does not contain my signature. My name is typed on it and under it a XXXX XXXX XXXX XXXX  policy number that does not belong to me. Since mailing Commonwealth these letters I have begun to receive phone calls from a company called XXXX for the {$1400.00}. So, I am wonder if they " sold '' this since receiving my letter although they are still reporting it the credit bureaus.
Consumer complaint received 2021-09-16
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. (GA)

Fraudulent Accounts *REMOVE* XXXX XXXX XXXX XXXX  # XXXX FRAUDULENT ACCOUNT REMOVE XXXX XXXXXXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT REMOVE *Fraudulent inquiries REMOVE* XXXX XXXX XXXXXX/XX/XXXX REMOVE XXXX XXXX XXXXXX/XX/XXXX REMOVE
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (FL)

CREDIT CORP SOLUTIONS INC has received several disputes from me in the mail, and they have failed to validate the account in any way. They have also continued to report a disputed debt. They are in violation of both the FDCPA and FCRA and I am trusting you to handle this case with extreme prejudice!
Consumer complaint received 2021-03-21
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. (IL)

I have personally disputing information on my credit report since XX/XX/XXXX. There have been items where I have specifically asked XXXX, TransUnion, and XXXX to perform an investigation with verifiable results. On the XXXX dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the XXXX dates of XX/XX/XXXX and XX/XX/XXXX, I asked all three credit bureaus to perform these investigations. As of today, those questionable items remain, with nothing in the comments section stating that there is an investigation or reinvestigation. Nothing has been verified and I have received nothing in the mail or electronic correspondence that shows the contrary. I have copies of all letters and they were sent certified mail.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (CA)

National Business Factor is reporting a medical collection to my credit report at all 3 credit bureaus. 
I have no idea what this collection is for, and I'm positive it doesn't belong to me. 
I wrote National Business Factor demanding some sort of proof but they have ignored my request.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (IL)

On XX/XX/2020, my Daughter 's car was missing from in front of our house. I had her call the police and the police told her that they were informed that her car was repossessed. We called Santander Bank, the bank that she pays her car payments to. My Daughter said that she was informed that because she pays her payments via the Santander 's website on her cell phone, that there was a scam website that looks like the banks website, and that my Daughter, amongst others were paying the scammer over the last 4 months their payments. My Daughter told me that Santander told her that there was nothing they could do because she and others paid their payments supposedly to the scammer website. My Daughter did not know she was paying a scammer. My Daughter contacted the bank she has that she pays her bills with. There is no record of these transfers ( payments to Santander ), that the scammer, who had her information from the payments, probably hacked into her bank account and removed these payments. My Daughter did receive email notifications about the payments, that I saw, but unfortunately, my Daughter has XXXX  and those settings she had any mail she read was automatically deleted and emptied to trash. My Daughter 's car was towed to an impound yard. My Daughter is waiting for money to clear that her father sent via a check to her to get the car back. She received a letter from the loan bank today and they want her to pay late charges which are over {$400.00}. My Daughter recently contacted Santander and she was told that the fake bank website was finally taken down. My Daughter paid the car payments and because she was XXXX when she got the car, I always ask her to show me the proof the payments were made. She paid extra money at times when she had it. I just don't understand why Santander Bank is basically calling my Daughter a liar, by wanting her, when we pay to get the car out of the impound, late fees. This is not fair and as her XXXX year old Mom I am very upset about this.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

In late XX/XX/XXXX I began working with Amerisave Mortgage to refinance my home mortgage and a HELOC. I authorized them to pull my credit one time on XX/XX/XXXX and one time on XX/XX/XXXX. I finally withdrew my application on XX/XX/XXXX due to lack of performance on their part. Given the long delay I had begun to work with my current mortgage company and authorized them to pull my credit one time on XX/XX/XXXX. They forwarded me my report ( excerpt attached ) which shows 3 pulls on each date I had authorized Amerisave to make one pull. Instead of 2 pulls total there are 6 pulls total. The first on each date says Amerisave and the next two say XXXX. I reached out to XXXX to ask who authorized the 2nd and 3rd on each date and they informed me it was Amerisave. I wrote to Amerisave twice, once requesting a refund of my {$500.00} application fee and once requesting them to issue a Credit Inquiry Deletion Letter for the 4 unauthorized pulls ( image attached ). I received a call on XX/XX/XXXX from XXXX at Amerisave. During the call he agreed to refund my {$500.00} application fee but maintained that Amerisave only made one pull on each date and would not agree to send the Credit Inquiry Deletion Letter. 

I would appreciate CFPBs assistance in obtaining the requested Credit Inquiry Deletion Letter from Amerisave.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

I have applied the Mortgage from XXXX because one of my friend is going through refi. She asked to apply online with out talking and understanding my situation. I did and submit all the document requested. after that they are actually sitting on my file for 3 weeks after that they asked me to pay {$1000.00} fees. for Loan processing. I paid it with my credit card. up to now they did not even open my documents. after that almost in XXXX i have started following up but they keep saying me we will get back to you next week since they have done credit check to me I really dont want to shop around. somewhere in this time period appraisal calls me he want to see from inside two appraisal is needed I was not aware of it. I called her she said take less credit and I will do one appraisal. not sure how it works I was ok with it. 

In XXXX when I asked her what is going on I am waiting for almost 4 months I need to close another loan which is due soon she say it will affect your XXXX since you are using HELOC to pay the loan. It was coming around 46 %. none of her team member have any idea on how dti is calculated including XXXX. I tried to explain but it did not help. Not sure how these people get lender license. Now I have wasted 5 months and XXXX and credit pull. 


As of now I am working with XXXX XXXX which is giving me better rates than her and they think XXXX is around 41 %. which is about right. 

Lack of response is there for at-least 3 more people I referred to her
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

This agency h as 1 : R eported a balance as in " collections '' which was paid to  XXXX   XXXX  before I had any contact from th em. 2 :  Failed or refused to report to credit agencies that this amount was paid in full on  XXXX / XXXX / 17 .  3 :  Provided a letter falsely stating that they received payment from me, on  XXXX / XXXX / 17 . No payment was made to them . 4 :  Stated that they do not have, or will not provide any evidence that the debt was ever assigned to them in a recorded call on  XXXX / XXXX / 17 .
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

Hello, I owed a total of {$400.00} to an apartment, the apartment sent to collections. The debt collector Hunter Warfield & I agreed for me to pay the above amount on my pay day XX/XX/2020. On that day ( XX/XX/2020 ) the money was removed from my account & on XX/XX/2020 they reporter and placed on my credit that I did not pay. The amount remains on my credit report right now. I dont want it to be updated as paid in full, I want them to completely delete it because it should never have been placed on there in the first place.