davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (MN)

XXXX XXXX  currently has a checking account # : XXXX open in my name. The checking account is a fraudulent checking account thats not my checking account. I never opened the checking account. The checking account dont belong to me. I want XXXX XXXX  to immediately close the checking account and online banking access to the checking account thats currently in my name. The checking account dont belong to me.
Consumer complaint received 2021-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (VA)

On XX/XX/XXXX, I discovered someone stole my identity and used it to take out a loan. In addition, they established accounts in my name at XXXX XXXX and XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they secured a {$19000.00} loan in my name with SoFi Lending Corp and linked it to the XXXX XXXX bank accounts they established. Working with SoFi, XXXX XXXX, and XXXX XXXX XXXX, I establish the loan and the accounts were not mine. The bank accounts have been closed. On XX/XX/XXXX, SoFi acknowledge the loan was not mine [ d ] uring our investigation we found that fraud had been committed on the account and we determined we the reported to the credit reporting agency was inaccurate. They did not say the loan was not mine and that I was not responsible for paying it back. 

While researching identity theft remedies and protections, I found the CFPB fact sheet that indicated I could request a copy of all the documentation the thief used to establish the loan. On XX/XX/XXXX, I sent a letter to SoFi requesting a copy of those documents. They have neither acknowledged my request nor responded to it. Ninety days should be more than sufficient to do so. After examining the documents, I intended to ask for a more definitive letter, indicating I am not responsible for the loan.
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I will be filing a Federal lawsuit aganist Bank of America.Bank of America sales practices are unethical and very unprofessional.I will be getting 50 natorized letters from current and former Bank of America to present as evidence to the Federal Judge. 

They charged my account off in XXXX.They never investigated the fraudulent activity done on my account, So my best option is pay the {$400.00} filing fee for Federal Court and file a lawsuit and subpeona all documents and those who handled my account.I will also subpeona phone calls and all documents pertaining to my account.

I want to be able to pay the {$190.00} and have it removed from XXXX XXXXXXXX.I will be contacting XXXX XXXX with police report for the fraudulent activity.I will also include chex system in the lawsuit.I will include XXXX. XXXX and Mrs XXXX from Bank of America in the lawsuit and subpeonas.I am not playing with Bank of America.If Bank of America would have investigated the fraudulent activity.I would have paid off my account.After the investigation of the fraudulent activity.I wanted the fraudulent investigated and the fees waived/credit.Then I would have paid off the account and my account would have been still open.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2022, I deposited a check from a loan from my XXXX to with my bank 's ( Wells Fargo ) ATM machine. On XX/XX/2022, those funds showed as " available '' on my account. I was notified on XX/XX/2022 that those funds were now on hold for the next 8 days. Upon calling Wells Fargo on XX/XX/XXXX, I was informed that I needed to call the " maker of the check '' and would release the hold. I called the maker of the check, XXXX XXXX who confirmed and verified that the funds were processed and the check cleared through their bank, XXXX XXXX XXXX on XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX inquiring why there was still a hold on the funds when after I did what was asked of me on XX/XX/2022. The call was escalated and the next level representative hung up on me. After calling back on XX/XX/XXXX, the only thing that could be told by the representative was " regulation cc ''. No further information or injury was given. Upon further research into XXXX XXXX, it is stated that after XXXX business days, at least {$4000.00} is to be made available. This was not the case. On XX/XX/XXXX, I went into Wells Fargo and spoke with a banker, who had to call the back office and then conference call in XXXX XXXX to confirm the check and state that it had been cleared, only then were the funds released. This is not the information that was given to me on the phone call I had with the Wells Fargo Representative on XX/XX/XXXX, and the information I was given was incorrect. I explained to the banker on XX/XX/XXXX that the information was incorrect that I was given when initially I called on XX/XX/XXXX and this could have been fixed that day, had the correct information been given. However further investigation into XXXX XXXX, states that on the XXXX business day, funds must be made available and as this was not the case, and was not made the case until I had to go into the bank and figure out the problem which Wells Fargo should have done in the first place. It was not my responsibility to call the maker of the check, but Wells Fargo.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Identify theft report was sent in to credit bureau about this item that is placed on my credit report. I have no knowledge and was never provide proof of this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

After speaking with the debt collector, Jefferson capital systems, they informed the debt I owe was from an account I had with XXXX that was closed out back in XXXX. I have been with XXXX which is XXXX now for over XXXX years and was never notified of any debt that I owe. This debt has just been reported on my credit report for the first time this year, ( XX/XX/XXXX ) without me receiving any notification. After speaking with Jefferson capital systems they informed me that they tried to notify me through email and mailing addresses that are not associated with me. I am also surprised to see that such an old debt, ( over XXXX years ) can still even be reported on my credit report? I thought there was a statute of limitations of XXXX years from the last reported missed payment date that a debt collector had to submit a debt to credit bureaus? I have contacted XXXX to dispute the debt and also Jefferson capital systems as well. They said they would dispute the debt. I am disappointed that Jefferson capital systems was able to report said debt to credit bureaus without any proper notifications and also with the age of the date of the debt. I work hard to keep my credit up and for me to take a hit like this without any proper notification is disappointing needless to say.
Consumer complaint received 2021-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (GA)

Hello I have been working with XXXX XXXX to get a COVID forbearance under the CARES ACT. I was advised that " company policy '' dictates they do forbearance in 90 day increments and to call in at a later date to request an additional extension. I received an offer for coid 19 mortgage forbearance agreement dated XX/XX/2021 stating that my plan will begin on XXXX and will terminate on XXXX. I'm outraged that this company is deliberatly trying to offer me a forbearance in direct conflict with the guidelines set forth in the CARES ACT as well as put my request for an extension outside the XX/XX/2021 window. I sent them my hardship letter on XX/XX/2021 specifically requesting 180 days of forbearance. 

I also had my credit report negatively affected due to company reporting my mortgage as a late payment for XX/XX/2021.
Consumer complaint received 2024-02-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

On XXXX XXXX, 2024 I funded a XXXX month XXXX for $ XXXX at Marcus from Goldman Sachs. A few hours later I called and asked if I could close that XXXX account and use the funds in a different XXXX from the same bank. I was told no problem since the XXXX was opened less than XXXX hours. I was told the money would be available XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. Now today, supervisor XXXX told me they need to deny me access to my money for XXXX days. This is the first time this was mentioned. 
I am being denied access to my money. I have a time sensitive investment I want to fund now. Their actions can cause me to lose money.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (MA)

On XX/XX/2022 American Credit Acceptance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report..
Consumer complaint received 2021-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We have a mortgage with Citizens Bank on auto pay since XXXX. Suddenly XX/XX/XXXX we can't pay our mortgage. All payments are reversed. Payments are coming from our XXXX XXXX Account, which they forced us to open with the mortgage. Concerned about staying current, we transferred over {$3500.00} from the XXXX XXXX to the XXXX XXXX, which was shown as removed from our checking account but was NOT credited to our Mortgage. We spent hours and hours on the phone, only to be shuttled between Banking and Mortgage departments. No one could explain or help us. Finally, they said that we changed the account number on the Checking account, which the online banking portal does not allow a consumer to do. They promised us a call back, which they did not honor. We made a phone payment from a checking account with another bank, but we are not sure that this will be credited to our Mortgage, thought the money is showing debited from the other checking account. It looks like they are stealing our money. My husband and I have each spent hours on the phone with them and they can't give us any explanation or help us in any way. Very concerned about what to do next.
Consumer complaint received 2021-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (CA)

improper transfer of loan. Not all payments wired over. When wire was returned to service Mac service Mac did not return funds to XXXX XXXX. XXXX XXXX is now showing me 30 days behind and charging me late fees. 

The loan was transferred from service Mac to XXXX XXXX on XX/XX/2020. I have made all of my payments since my loan was opened. When service Mac transfer the loan they wired the payments to XXXX XXXX XXXX XXXX  says they didnt receive one of the payments. I have been working with them since XXXX trying to get this all squared away Ive provided them everything theyve asked of me and they are still showing me 30 days behind not crediting the account appropriately and reporting me to the credit agencies also accumulating late fees. 

This is now affecting my refinance process. I have done everything I Possibly can since XXXX to get this squared away. Again i am doing all the legwork for both service Mac and XXXX XXXX. And have provided them every inch of paperwork I possibly can showing all payments have cleared. This is between them and it is now affecting me. Ive open multiple tickets with each company and always get a we are looking into this where we cant help you. 

Neither company has fixed this and it is now impacting my life tremendously as I am unable to refinance because of them. I need this squared away immediately both companies have received all of the necessary back up information from me and they should be doing the lake work themselves since they completed the transfer of Loan improperly. Again I have opened multiple cases with both companies provided them all the information needed and no one is correcting anything or responding to me and when they do they just tell me either still looking into it its absolutely ridiculous at this point we are seven months in. 


I have done everything I needed to do paying all of my mortgage payments on time and I need this corrected immediately but I need help because they are not doing anything about it.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

I left XXXX in XX/XX/2022. When I left, I still continued to make some type of payment to them every single month. I was assured multiple times when communicating with them that as long as I continue making some type of payment my account would not go to collections. I made consistent payments. They lied and still sent account to collections as of XXXX with Receivables Performance Management LLC. I call the collection company and the phone call immediately drops. I had someone else call ( not from my phone number ) and the call went through. It seems like they have this block so that the person who owes the debt cant reach them! This is very unprofessional and a setup. Definitely not a trustworthy company!
Consumer complaint received 2023-03-24
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect. 
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 2023-05-19
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. (FL)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have disputed many of the inaccuracies being reported by Experian using their online complaint procedures and Experian refuses to have my credit report showing accurate and positive information. Experian has many old accounts that are included in bankruptcy reporting derogatory and collection and showing as if it were still debt. I have absolutely no new derogatory or collections on my report in the past three years. The inaccurate reporting is stopping me from making good efforts in repairing my report. XXXXXXXX XXXX ( along with other accounts ) should have been removed from the report along with other debt included in my bankruptcy. I feel Experian denying my rights to repair my credit by using old accounts against me even after showing proof these accounts are part of bankruptcy. I will provide an example with attached photos. 

Experian is quick to report ALL negative stuff but very very slow to report positive. For example, a new inquiry hits the Experian report within minutes. Balances on good standing accounts remain the same after positive payment history. I have made OVER {$1200.00} worth of positive payments absolutely NONE reported! Ive obtained new credit only one reported and showing but not updated because it was paid off.

I have my debit card linked and every single time the balance changes Experian sends notifications This is 100 % unfair credit reporting!!! I have been maintaining all positive behavior for three plus years and Experian is totally disregarding all of it!
Consumer complaint received 2021-06-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (TX)

I have checking and savings accounts with BMO Harris, which I rarely interact with. Had around $ XXXX {$700.00} balance in both accounts combined. My accounts were no maintenance fee accounts. Hence, I was not concerned with putting more money in the account. BMO Harris decided to add a minimum balance requirement and change the fee structure of the accounts and started charging me monthly maintenance fees without due notification. I was told that it was disclosed as a statement message. I decided to close my accounts. I called multiple times to BMO Harris and tried to close my accounts - they closed my checking account with one representative warning me that the account will be closed but might reopen on its own if a transaction posts to the account and would result in overdraft fees which I will be liable to pay. To which I asked the representative to make sure no transaction posts/decline all transactions - I was told that it can not be done, I am responsible to make sure no transaction can post to the account.

My savings accounts with a balance of around {$300.00} was not closed, and then, I realized there was a debit transaction equal to balance, that made the account balance XXXX. When I called for asking what this transaction was, I was told I failed verification, I was told they sent me a text to my mobile phone for verification, which I never received. I asked the them to resend the text, which they declined saying its a one time thing regardless of why the text message could have failed to deliver. Now I am being asked to go to a notary and get my id verified. I can not expose myself to COVID trying to get my id notarized.
Consumer complaint received 2021-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We contacted our mortgage company, Select Portfolio Services, on XXXX XXXX XXXX. We asked to begin a loan retention. They agreed to help us with that. We emailed every documentation they asked for and filled out every form. They have yet to complete the process for us, stating its the underwriters fault and another companies fault. Its going on six months now. I call them all the time for help regarding this issue. I still pay them most of our monthly payment every month. I have not missed a month. I never speak to my specialist assigned to me, ( which has changed three times ). Its always a customer service operator. I have asked to speak to supervisors and have spoke to two different ones that have promised to escalate our retention as priority. This has not worked. All Im asking for is to lower the monthly payment from {$1900.00} to {$1400.00} a month. {$1400.00} is what Ive been paying since XXXX, every month. My documents clearly show that is all I can afford.
Consumer complaint received 2024-03-21
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. (TN)

TO TRANSUNION, I recently went through my credit report and I observed a lot of inaccuracies and unauthorized reports on my profile. In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions THE ACCOUNTS LISTED HERE HAVE VIOLATED MY CONSUMER RIGHTS AND I NEED IT OFF MY REPORT EFFECTIVELY. 

Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX BANK Account number XXXX Account name XXXX XXXX Account number XXXX By law, consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a " respect for the consumers right to privacy ''. 
PLEASE SEND ME A COPY OF MY UPDATED REPORT TO VERIFY AND CONCLUDE THAT MY CONSUMER RIGHT TO PRIVACY IS RESPECTED AND CONTINUES TO BE PROTECTED.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My current mortgage servicing company, NewRez LLC ( aba Shellpoint Mortgage Services : XXXX ), and previously, XXXX, have neglected to pay my XXXX quarterly property taxes. Taxes are broken into two parcels : a ) apartment {$3700.00} and b ) parking XXXX. As a result, my property is currently delinquent and is accruing daily interest penalties. 

I have been making my monthly payments in earnest on a monthly basis. My escrow account has more than is required in order to satisfy all outstanding payments. 

All my attempts to contact Shellpoint and convince them to make the disbursements have been unsuccessful. I submitted to Shellpoint multiple " Notice of Error '' emails and faxes.