davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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: TRUIST FINANCIAL CORPORATION (WV)

I shared a depository account ( BB & T ) with a girlfriend. After we broke up, I closed out our joint account. At that time, there were no pending or outstanding checks. 

Unbeknownst to me, my ex-girlfriend wrote a small check for {$14.00}. Since the closed account had no funds in it, BB & T Bank covered the check with overdraft protection. The date of the check was XX/XX/20. BB & T should NOT have funded a closed account with the overdraft protection. They should have notified me, or my ex-girlfriend. Since the account was closed, and I had already moved to another state, I was not receiving bank statements, or ANY other correspondent from BB & T. I later learned from BB & T, they made no attempt to contact me about the matter. My cell number was still valid. 

BB & T proceeded to charge me interest and late fees, despite the fact they funded a closed account and never attempted to contact me. When I finally received a call in XXXX, I immediately paid the total outstanding amount owed of {$45.00}. BB & T has reported a 60 late on my account, which has dropped my credit scores over 100 points. This has prevented me from refinancing my veterans administration ( VA ) mortgage. Other than their negative credit rating, my credit was excellent with credit scores in the upper 700 's to low 800 's. I tried to have them remove the late charge, but they refused and suggested I contact the credit bureaus and dispute it. They are the creditor and I was disputing it directly to them. My new loan officer tried to have them remove it, and he was also denied. My account number was XXXX BB & T knew the account was closed and should have picked up the phone to call me. Had they done so, I would have immediately covered the charge. Instead, they ignored it, which was to their financial benefit. To make matters worse, they destroyed my excellent credit rating by reporting me 60 days late to the credit bureaus. Each time I contact them, I'm told, " there's nothing we can do. '' They are the creditor and they can remove the 60 day late from my credit profile, which would restore my credit rating. Even with my numerous deployments to war zones, I was never late on any obligation. Now, my great credit rating was damaged, because BB & T was too XXXX to pick up the phone. Is this the way BB & T treats XXXX vets??
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (GA)

The XXXX XXXX XXXX Date : XX/XX/2021 company made unauthorized inquiry on my personal credit report. Since I did not authorize this company to obtain my credit report, I demand that this inquiry be deleted as soon as possible and my credit score be adjusted accordingly.
Consumer complaint received 2021-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (VA)

I was sent a phishing email impersonating XXXX along with a letter from TRS Recovery Services in XXXX, GA stating that they were collecting debt on XXXX  behalf. I contacted XXXX who told me it was a scam and they never tried to collect any debts from me. I'd like to report TRS Recovery Services to CFPB for their involvement.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I purchased my house in XXXX of 2019. I signed the contract with agreement to the established predetermined payment. I recently received my mortgage payment and discovered it had increased by {$400.00} p/mo. No explanation, or previous notification was provided. After making numerous calls to the lender, as well as the tax collector 's office, I finally discovered that the lender made an error at the time of the sell by underestimating the annual property tax. 
The lender is now charging me an additional {$200.00} p/mo. for the corrected property tax amount. This I understand. The part I am not in agreement with is the additional {$200.00} p/mo. that they are now charging me to compensate for the loss they incurred this past year as a result of their error. 
Thank you in advance for your time and consideration with this matter.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since I have submitted my First complaint about this issue, Bank of America sent me an email to address my issue they did not include a call back number only a deadline to speak with them for XX/XX/2022. I had to research to find the number to return the call and I have called XXXX  times and left a VM for the representative XXXX has not called me back. I keep getting first ring VM. This complaint here is to verify I called and emailed B of A per there request in response to my complaint XXXX. 
XXXX  XXXX  XXXX Fri, XX/XX/XXXX, XXXX PM ( 7 days ago ) to me XXXX XXXX, Thank you for contacting XXXX  XXXX  of Bank of America . As your XXXX  XXXX  I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2022 to confirm that information. My days and hours of operation are Monday through Friday, XXXX a.m. to XXXX p.m. XXXX. 
Please note that if we are unable to reach you to discuss the resolution to your concerns, we will be responding in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Bank of America C- XXXX
Consumer complaint received 2021-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (AZ)

I transferred XXXX Graph Tokens  from my XXXX  wallet to my Coinbase Pro wallet on XX/XX/2020 XXXX XXXX  +UTC. I checked on XXXX and it clearly states the transfer was successfully but the tokens did not reflect on my Coinbase account. I made several attempts to contact Coinbase customer service on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have even tried to contact Coinbase support on their XXXX page and there has been no response. 

Any help would be greatly appreciated. 


Transaction Hash : XXXX Case # XXXX Case # XXXX XXXX # XXXX
Consumer complaint received 2020-03-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2020 I attempted to open a new CD at Marcus by Goldman Sachs. They took all my personal data including my SS # then after putting me on hold a couple times they came back and informed me they could not verify my identity and refused to let me open the CD end of discussion. I can't believe that they could not verify my identity. When I asked questions and offered to help fix the problem they weren't interested. I became very suspicious and worried that they were only fishing for personal information. I am retired and it could be very devastating if my info got into the wrong hands. 

After worrying a few days I called them back and asked them to delete my info from their data base. They said they couldn't do it. I asked WHY but they had no answer. I tried to explain that there was no possible legitimate reason why they needed to keep my info. Data bases are being hacked every day. 

I then did some research on the internet and found that this bank had been the target of ethics complaints involving data gathering by some of the high executive officers. 

I need you to convince this bank to delete my data completely and if possible reassure me that I have nothing to worry about concerning this incident. 

Very worried XXXX XXXX
Consumer complaint received 2024-04-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MA)

I am filing a formal complaint against PayPal regarding the abrupt limitation of my account access and the withholding of my funds for almost XXXX years. The situation regarding my account restriction and the unjust withholding of my funds has caused significant financial hardship and emotional distress. 

Since XX/XX/2020, PayPal has limited my account access with the promise of releasing the funds after a XXXX period. However, the funds were never released, no explanation was provided, and it was only after over XXXX years had passed that XXXX from PayPal XXXX XXXX XXXX XXXX XXXX XXXX and XXXX informed me that PayPal believed the funds were potentially fraudulent. This claim is false, as the funds in question were for unemployment benefits in Massachusetts, and I have provided all necessary documentation to prove my legal eligibility for the funds. Despite this, XXXX later stated in an email that PayPal was unable to disclose the specifics of their decision due to regulatory requirements, continuing to withhold my funds without justification. 

All documentation, including the letter from PayPalXXXX, as well as the letters from XXXX XXXXXXXX concerning my eligibility for the funds are attached to this complaint for your review. 

It is essential to note that my primary objective is to retrieve my funds from the FDIC insured bank account I had with PayPal and not to restore my PayPal account in any capacity. I have no interest in utilizing their services in the future, and I am willing to concede account limitations if it means accessing what rightfully belongs to me. As per my interactions with the state of Massachusetts, I have been deemed eligible for the funds in question and have not violated any laws or received any notice from a government agency regarding fraudulent activity or violations of eligibility requirements for unemployment benefits. 

In light of these ongoing difficulties and the significant impact this situation has had on my financial stability, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure the release of my funds from PayPal 's possession. It is crucial to hold PayPal accountable for their unjust actions and to uphold consumer rights in situations where financial institutions overstep their boundaries. 

Thank you for your attention to this matter, and I look forward to a prompt resolution to this ongoing issue.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This company has previously removed two items from XXXX that were listed on my credit report. They have now put them back on my credit report with new dates .... showing I paid them money. Which I DID NOT> they are attempting to put this debt back on my records again after the 10 year period. I contacted them via the credit agencies and again via telephone and again via a letter. They have refused to remove and have refused to adjust the dates they are showing which are incorrect and absolutely not right. 
There are 2 of these showing on my credit report again from them ... ... This is totally not fair .... 

Portfolio Recovery Associates  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number XXXX  XXXX Date Opened XX/XX/XXXX High Credit {$590.00}
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On the XXXX day of XX/XX/2020, I received a notification on my credit score tracker that I was in debt with a company that Ive never heard of. Ive never received a letter, phone call, or any other method of this debt collector company.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (WA)

My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted Experian by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX  XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX  {$6800.00} XXXX/XXXX  XXXX - they said they reported accurately {$1000.00} XXXX/XXXX  XXXX - they said they reported accurately {$540.00} XXXX/XXXX  XXXX  - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} TD Bank US Target -  Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  Retail - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX  -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.
Consumer complaint received 2021-06-16
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (KS)

Hello, I have been trying to get this problem fixed since XX/XX/2021 with XXXX  and XXXX  and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX Company debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is I C SYSTEM and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.
Consumer complaint received 2020-03-16
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. (TX)

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX   XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Consumer complaint received 2020-03-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (GA)

This account originated from XXXX XXXX XXXX XXXX. This account has been sold to three different collection agencies and inaccurate information has been placed on my account and I lost 75 points in total off of my credit score and I was refused a loan because of them. This same account was placed on my account twice by two different collection agencies at the same time after they sold the account to another collection agency. In addition, the amount that I owed was changed from XXXX to XXXX dollars. This information was reported on my credit report by another collection agency. Secondly, Common Wealth Finance keep re - aging the same account and confirming that this information is accurate when it is not during every dispute. This is a clear violation of the Fair Credit Reporting Act and my rights. Lastly, I am requesting since they have violated my rights more than once that this information be removed from XXXX XXXX, XXXX   and XXXX  credit bureaus immediately. TThank you for your assistance in this matter. My contact information is XXXX XXXX, XXXX, Georgia XXXX.
Consumer complaint received 2021-06-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

My mortgage company M & T Bank is currently giving me the run around. I am under the Covid 19 Forbearance program. I have asked on numerous occasions that I have various different options to pay back the forb payments. One of the options is a loan modification. I have asked on numerious times for a loan mod. The mortgage agents have told me I do not qualify, I do not qualify for a hamp mod because I have to have my mortgage with them for one year. Finally I called FHA and they told me that I do qualify for a HAMP MOD and I would qualify for a lower rate. So they gave me a case number XXXX. They told me to call M & T back and speak to a manager. Again I call and I finally thought I was making progress I get transferred to a female who said she was a manager and her name was XXXX she told me that I was right and that they never reached out to FHA to see what rate I would qualify for to get the loan mod. She told me that she would do everything possible to assist me and get with the loss mit team and contact FHA to resolve this matter she told me she would call me back in one week. Well today I get a call from M & T bank asking me if I decided on what options I wanted to do to repay the forb payments, when I asked about the manager calling me back and loan mod hamp she told me she did not see that anyone was scheduled to call me back, Again I am getting the run around. I need to file a law suit or take legal action and I need FHA to get involved ... ..I am not getting the assistance that they promised and I continue to be lied to ... ..and I believe that the agents are claiming to be managers but only pass me over to one of their co-workers which is misrepresenting their company. I want to see what I can do legally for M & T bank giving me the run around
Consumer complaint received 2021-06-16
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. (PA)

There are two accounts on my credit report that are not mine I need these off my credit report since I dont knwo what these are and I have not signed or authorized any amount like this what is going on??? 


XXXX XXXX - Account # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/2015 2015