davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I opened two accounts online with Citi on XX/XX/21 and initiated bank transfers for XXXX $ and XXXX $ to fund the accounts. On XX/XX/21 Citi 's online banking system did not show the transactions so I called and spoke to two Citi representatives on XX/XX/21. One advised me that the transactions had been rejected, and another advised me that I did not initiate any transfers and that no money would be withdrawn from my initial accounts. Given the conflicting information I was provided, I closed the accounts. On XX/XX/21 Citi withdrew the money from my initial accounts despite being assured that no transactions had been processed and having closed both accounts. On XX/XX/21 I noticed the money had been withdrawn from my initial funding account. I called to understand where my money was currently. Again, I received conflicting information. First, I was told that the transactions had been rejected ( by one rep ) and should be returned to my initial accounts within 4 business days. Then, I was told by different representative that they received my money on the closed accounts and would be mailing a check to refund the money. 

I would expect a banking institution to be able to tell me where exactly my money is and provide consistent answers across representatives.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I obtained a copy of my credit report several months ago and noticed that my XXXX XXXX credit card that I have had since XX/XX/XXXX was not being reported to any of the credit bureaus. I reached out to XXXX XXXX directly and they responded and confirmed that they would be re-reporting my account to all 3 credit bureaus. This request was recorded several months ago in XX/XX/XXXX. Unfortunately, at this time, XXXX  and TransUnion are still not properly reporting my XXXX XXXX account. XXXX  is not reporting the full history of my account ( they are only reporting from XXXX to present ) and TransUnion is not reporting the account at all. I know that payment history makes up a majority of my credit scores, so I am not getting the proper credit for the 8 years of on time payments to my XXXX  and TransUnion credit score. I have tried calling TransUnion directly and also have sent them letters but I am not receiving any responses from them regarding this and other matters on my credit report.
Consumer complaint received 2022-12-02
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. (NE)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be adjusted and corrected right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have written to Portfolio Recovery Associates, LLC with a final letter by certified mail ( cert # ending XXXX XXXX on XX/XX/XXXX2019,  requesting proof of an expressed agreement between me and the creditor or the collection agency, any insurance claims or judgments. Portfolio has not responded to my XX/XX/XXXX certified letter but instead bypass communicating with me, to communicate with the credit agencies to publish the debt on my credit report.
Consumer complaint received 2021-07-26
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. (CA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2019-12-13
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. (TN)

I was denied credit and after reviewing my my report I found accounts and inquiries that were not mine causing my credit score to be low. These items have cause a derogatory credit rating on my credit report. I have file a police report and an identity theft report.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX XXXX received a call from an unknown caller. I answered he said he was from XXXX XXXX processors office I was involved in a civil suit to call an XXXX number for mor info. I called the lady on the phone she said I was going to be sued for credit card debt in the amount of {$3000.00} that was owed to Bank of America she said the account was from year XXXX until XXXX. I said I dont remember anything on this debt. At some point I asked for some proof of debt. I was told Bank of America wanted to file a suit that the judge will have that info. I then said even if this is my debt the statute of limitations has expired. She said that they will still sue. They had my credit report information and my social security number When I got off the phone I called the courts. I was told nothing has been filed as of yet. I called them back to get an address from the law office I was put on hold for a long time and I eventually hung up
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I have tried on numerous phone calls and attempts to resolve the situation regarding my foreclosure. Rushmore loan management representatives are withholding information, over talk me will not answer any of my questions. Today I called with a HUD counselor on the phone to assist with the phone call and still the same rudeness from all representative XXXX was first, XXXX second, and lastly XXXX. We requested to speak with management several times and we were hung up on. The misrepresenting notes that are taken by each representative are very troubling. The miscommunication and the false claims are in an attempt to benefit Rushmore in seeking foreclosure This company will not assist me at all. I am in the process of seeking an attorney or joining a class action suit against this company or the end result will be bankruptcy I will not release my property to the scam artist. I am trying to get somebody to go over detailed questions that I have about my property and loans being transferred twice in a matter of four months also there are way too many representatives handling this case and a lot of confusion and nobody cares. I have the right to know why there were fees placed upon my account during Covid I have the right to know when my loan was purchased from the previous lenders and I also have the right to have my account on hold for 60 days which Im told is not the case because of that discrepancy with when they are saying my loan was transferred. Im also being told that my loan is not secured for 60 days from the date of transfer. There is a big discrepancy with when I was told from the previous lender as to when the loan was transferred because Rushmore is telling something totally different. This is very scary, This company is dishonest and is doing everything thing possible to help me avoid foreclosure.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I work for XXXX XXXX XXXX XXXX as a XXXX, Wells Fargo bank is telling me that I cash several checks twice the first time was on XX/XX/year> and the second time on XX/XX/year>. this is creating and overdraw on my account and Wells Fargo is not giving me a straight answer. I received several checks that were being from XXXX and believe that was the confusion. The Bank has opened 3 different cases and no answer yet. 
I contacted XXXX to advise them of the situation and their answer was, that there was no way a check can be cash or deposit twice due to the fact that cashier keeps the original check once is deposit. all the transactions have been done in person. 
There is an Executive level resolution open at this time with a case number # XXXX  My account is on hold, I am living date to date and the Bank has not respond to my complain.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Over thirty days ago, I wrote to Credit Bureau indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that this misleading have been removed. 
Wrong amount is being reported : XXXX XXXX XXXXXXXX NEVER LATE.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (OK)

I opened the account to have my XXXX tax return deposited into on XXXX, XXXX. I lost access to my account. My phone was stolen and I no longer have the same number or email linked to that account since I don't remember my cashtag, they are refusing to help me whatsoever. Saying " For security purposes we are unable to grant access to this account and no further action can be taken. ''
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (PA)

have been disputing this account since XXXX, I've even filed a complaint with you on XX/XX/2021. Since I have disputed this account, they have flagrantly violated my rights, first they took longer than the law allows to respond to a dispute. Then they changed the balance of the account! These false statements and misrepresentations constitute complete deletion from my credit report! They are reporting a heavily disputed item, which violates the FCRA. They have violated the FDCPA by taking longer than 30 days to respond back in XXXX! Now they have violated both by changing the balance! This is the worst thing to ever happen to me! Please help!
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WI)

I endorsed MY dividend not to myself but rather to SYNCHRONY BANK. I've attached MY endorsed dividend along with a letters from SYNCHRONY, denying my bond ; HOWEVER, MY BOND WAS NOT RETURNED TO ME. 

SYNCHRONY must defend this denial claim given LEGISLATIVE CONGRESSIONAL RECORD-HOUSE, page XXXX, XX/XX/XXXX, Title IV which outlines Sec. 401, the sixth paragraph of section 18 of the Federal Reserve Act : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, BILLS OF EXCHANGE or bankers acceptances acquired under the provisions of this act ; when such circulating notes are issued against the security of obligations of the United States the amount of such circulating notes shall be equal to the face value of the direct obligations of the United States so deposited as security : and, when issued against the security notes, drafts, bills of exchange, and bankers ' acceptances acquired under the provisions of this act ; SHALL BE REDEEMABLE IN LAWFUL MONEY of the United States on presentation at the United States Treasury or at the bank of issue. ''
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, XXXX, Equifax, and XXXX, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.
Consumer complaint received 2021-07-27
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. (NH)

I submitted a complaint through you and by phone they refuse to fix errors from XXXXXXXX XXXX they List XXXX XXXX as the company then add a different Company XXXX XXXX  XXXX as the original account the two are not even nor have they ever been associated with each other. I have been submitting proof of this for over 2 years yet they leave it on my report how can they say they verified something to be correct when it is not last complaint the removed the collection then added back with the same info this has been going on since XXXX and there is the fact that the State Statutes for both accounts have expired over 2.5 years ago
Consumer complaint received 2021-07-27
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. (NJ)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXX To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed you a letter disputing inaccurate and past the stature of limitation information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX  XXXX account # XXXX and XXXX XXXX XXXX  Account # XXXX. As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/XXXX. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/XXXX ; therefore, your response was due on or by XX/XX/XXXX I have allowed for 34 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto and send me the check to my mailing address listed above in no later than fourteen ( 14 ) days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth XX/XX/XXXX Enclosures : Original dispute letter dated XX/XX/XXXX ; ID ; U.S.P.S. tracking data cc : Consumer Financial Protection Bureau via upload
Consumer complaint received 2021-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IN)

We refinanced a mortgage that was previously financed with Loan Depot. Loan Depot was paid off on XX/XX/XXXX. We have an escrow balance of approximately {$3900.00} that we have not received back from Loan Depot and have been waiting for almost 45 days! 

I have reached out to Loan Depot and all I have gotten was excuses. They said they had returned mail ( untrue as I updated the address with them on XX/XX/XXXX and called and confirmed this address ). 

In addition, I have asked for a statement of all transactions during the loan ( just over 6 months ). They said they couldnt send me anything like that but they could email me the information. I received an email that looked like a suspicious email. It was difficult to open the link but once I did it contained nothing I was looking for. 

To date, all I have received are excuses. They have told me for several days they will verify that we havent cashed the check. They know very well we havent as it has never been sent to us! 

I am now going to be gone from home for two weeks, which means yet more delays in me getting my funds. 

At this point, I would like them to wire the funds along with late fees and interest. Also, I am still waiting on a statement of the account ( I dont even know the exact payoff amount! ).
Consumer complaint received 2021-07-27
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. (MO)

I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( XXXX XXXX and Equifax ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

I am a victim of identity theft. I have reported this incident to the FTC. I HAVE CALLED DISCOVER and ti no avail the company is reluctant in removing the fraudulent account from my credit profile. I have never had a discover credit card. Nor have I ever had a XXXX XXXX  credit card.
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The Company that I work at is a small minority family owned business and was recently involved in a fraud scheme where our supplier that we routine do business with had their e-mail system hacked. The fraudster that hacked our business partner 's e-mail used the e-mail to request us to send our payment to a different bank account. Ownership/ Management of the Company that I work at believed this info from the fraudster and ACHed funds that were due to the bank account requested by the fraudster. In short, the owners fell prey to an phishing scheme and wired the funds via our Bank of America small business checking account to a fraudulent account on XX/XX/XXXX. 

On XX/XX/XXXX, ownership and the accountant of the family owned company uncovered the fraudulent request and immediately reached out to the bank where the funds were wired from, Bank of America. A formal claim was submitted to Bank of America less than 24 hours from when the wire was initiated on XX/XX/XXXX. We were informed by Bank of America that our claim was denied on XX/XX/XXXX. We have made multiple attempts to reach out to our bank representative at Bank of America to understand why the funds were not returned. As we have discussed with other banks, attorneys and law enforcement, funds from a wire or ACH can be reclaimed if sent under false pretenses and a claim is submitted timely.