davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

In the last week of XX/XX/2021, I received a letter from my mortgage company, XXXX, stating that my mortgage was being sold to Freedom Mortgage, and that all payments would need to be directed to the new mortgage company starting XX/XX/2021. I paid the mortgage payment to Freedom Mortgage on XX/XX/2021. When my loan was moved to Freedom Mortgage, my XXXX statement said that my escrow account balance was {$4000.00}. I checked my Freedom Mortgage statement on XX/XX/2021, and my escrow account is now at {$1400.00}. There have been no taxes, insurance, or any other payments made ( they are not currently due ). 

I called Freedom Mortgage on Tuesday, XX/XX/2021 and asked them why my escrow balance is now almost {$3000.00} lower. They put me on hold multiple times without answering my question and then hung up on me. I called again and was again put on hold. Finally they told me " a check was sent to me. '' I never received a check. They will not provide me with any further information. If a check was sent, why can't they give me a tracking number for it? 

Today, Wednesday, XX/XX/2021, I received an online message on their customer portal stating that they are going to start an investigation into my question. This still doesn't answer my question. Where is my {$2900.00}? If they really are sending me a check, why did they not send me an email, call me, or send me an online message? 

I am greatly concerned, because this is my money that has suddenly vanished. Freedom Mortgage has been awful in communicating with me.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the day of XX/XX/2021 I noticed that my EDD PREPAID DEBIT CARD was stolen XXXX $ dollars. It said that I had withdrew it from the atm but I had not even visited Bank of America this is to much coincidence since I had just gotten deposited money into that account from the EDD I had not really used the card for the same reason of hearing so many stores of people stealing the information on those cards. My issue is this is ridiculous how can a debit card that is supposed to be safe, they stole XXXX $ dollars in a heart beat and no one is doing anything this is money I need to pay my rent and all they are saying is oh its gon na take 90 days are they gon na pay my late fees for rent I think not Bank of America has done this with me multiple times but unfortunately this is the bank the EDD is in contract with. I just need this issue fixed I am a new mother and was counting on this money to pay rent, buy diapers etc.
Consumer complaint received 2021-09-29
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: Resurgent Capital Services L.P. (IL)

i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results
Consumer complaint received 2021-09-29
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: Colony Brands, Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2019-12-10
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. (OH)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (IL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 09/05/22 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is a folIow up complaint to # XXXX-XXXX  I still have NOT received my Transunion credit report & I cant get a live person to discuss anything with me because they cant verify who I am. 

Transunion has been aware of this issue with this same woman since XX/XX/XXXX and when she was XXXX of it in 2XX/XX/XXXX I sent the court paperwork to them for my file and THEY STILL CONTINUE to report inaccurate/fraudulent information on my credit history!! 

Ive been waiting 9 years for Transunion to fix my account and I find it COMPLETELY UNACCEPTABLE that not only arent they removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX, I CANT EVEN GET MY CREDIT REPORT, much less get into my file online. 

Ive waited long enough. I cant fix or dispute any accounts if I cant access the results or my credit file online or obtain my report. They dont get 30-60 days because they've already had 9 years! THIS. IS. INSANE.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was contacted via XXXX by a person calling themselves XXXX XXXX. The person offered me a writing job. After we both signed the contract, I received a check for {$9300.00} ( from XXXX XXXX  XXXX  ), which I deposited into my business checking account ( Bank of America ). We corresponded via email several times ( email address : XXXX ). Then he told me the job was canceled and I could keep 10 % of the original amount we agreed to ( {$3100.00} ) for my trouble. He then asked me to transfer the rest of the money back as a refund and sent me transfer information. I transferred {$9000.00} to another Bank of America account under the name of XXXX XXXX XXXX. I later noticed that the check was returned. 

I contacted Bank of America on XX/XX/XXXX and they are doing an investigation. On XX/XX/XXXX, I filed a police report with my local precinct ( XXXX XXXX, NC ), filed a report with the Internet Crime Division of the FBI, and the FTC.
Consumer complaint received 2021-09-29
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. (TX)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2021-09-29
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. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC (CO)

This is my THIRD complaint filed against this company. 

This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. 

Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. 

Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.
Consumer complaint received 2021-09-29
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. (PA)

I am literally at the end of my ropes I've been victimized and I have done everything but get a lawyer involved. I am a victim of identity thief, these accounts are not being reported with my consent. Yet, here I am being harmfully punished behind this crime I don't get it.In no way is this lawful its a violation of my privacy and i feel I have to get a lawyer involved for my justice. i have reached out to everyone and no one has responded yet!
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX I had received my check of the month for child support of {$1200.00}. I went to check my account like I usually do to make sure the funds were available. When I go to sign onto the app it tells me Yikes! Your account has been Closed if you think this is a mistake please contact member services at XXXX. So Ive contacted them via Email asking them why my account was closed and that I need that money because its for my children. The response I had received back was Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference section 9 ( Account Suspensions and Closures ) of the Chime Deposit Account Agreement. 

I would like to share with you that any deposit received on a closed account ( in your case after XX/XX/XXXX ) will automatically be returned to the sender, you can go ahead and contact your payor to arrange another form of payment for your funds. 

Ive contacted them multiple times asking when my check would come in and they then told me I'm sorry to hear about the closure of your account. Chime has determined that your account is not in compliance with its internal policies and the member agreement executed at enrollment. 

Unfortunately, we can't send any closure check because you have a negative balance for some disputes denied. 
One more time, I'm terribly sorry for any inconvenience caused. Please reach back and let me know if I can assist you with anything else.

This was a huge mistake because I had saved {$15000.00} in this account and now all of my money is taken and Im being lied to and it has put me in a financial hardship. I didnt know what to do anymore so this is my last resort. Thank you for your time.
Consumer complaint received 2024-01-20
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # has violated my right 15 U.S.A.C. 1681 section 602 A States, I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions!

Attached is a document from The United States Bankruptcy Court that states they do no report this information to the three bureaus so how is it that this information is reporting to my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I have been incarcerated since XXXX XXXX I was released to a rehabilitation center on XXXX XXXX and been here since under servilance and someone has opened several bank accounts in my name and already laundered money thru them I have tried to shut the accounts down but I have limited access to internet as well as the phone. I still have 40 days left and I need this report to go thru I have already filed online with my social security being used for unemployment and I was able to stop that process can you please help me on this matter I dont know what to do the hacker has my ID information as well as my social security card information I would like this matter resolved and pursue charges on the individual or individuals that have done this to me..
Consumer complaint received 2021-09-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (IL)

XXXX Bank crisis XXXX approval letter received. I called stated sitting on desk approved XXXX laid off. Preditoriay lending bought out at least 3 times. Fire damage from unit next door XXXX fire. XXXX  court a person followed me up ramp to secured entrance. Told person to leave me alone numerous times. I tried to explain to Judge and lawyer. I am sure they heard commotion as well as others. A lot of harrassment, agression during covid-19, fire claim, late payments and river stage. The loan balance is thousands more than I paid. After almost 15 years. 
Taken advantage by pushy people.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple letters to TransUnion trying to get them to prove validation about 2 bankruptcies on my consumer report. TransUnion stated that they have validated my bankruptcies with the courthouse. BUT I have letters from the court houses saying that the court houses do not validate anything with the consumer reporting agencies. I have also sent TransUnion a signed affidavit showing them the consumer laws they they have broken.
Consumer complaint received 2021-09-29
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 — Problem with personal statement of dispute
Company: CBC Companies, Inc. (VA)

XX/XX/XXXX Innovis XXXX XXXX XXXX XXXX, PA XXXX FAX XXXX To Whom It May Concern : Under the Virginia Bill of Rights, I have the right to put a security freeze on my credit report. 

This is my official request to have security freeze put onto my account. 

On or around XX/XX/XXXX, I contacted XXXX XXXX to submit a fraud complaint regarding three charges on XX/XX/XXXX, XXXX, XXXX. When submitting the complaint, I explained I was unaware of the charges and had not authorized payment, and I had not signed any sales slips. After XXXX refused to cancel the billed amounts, I complained to CFPB. XXXX responded by suggesting I contact XXXX XXXX, XXXX, XXXX, and Innovis. Since there are no signed sales receipts, XXXX has committed fraud. I have attached the paperwork needed for your review. 

If this matter should reflect negatively on my credit account, I will seek protection under 15 US Code Chapter 41 for protection if necessary. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NJ)

I refinanced my home. The title agency agent was several hours late to the closing and had to return to my house to complete documents he didnt have me sign in the first place. I was alerted to documents not being received by my town for my property taxes. I called my mortgage company and requested the documents be sent to the town. On XX/XX/XXXX I was notified by my mortgage company that my mortgage payments for XXXX and XXXX were not withdrawn or paid. I immediately explained the issues with the title agency at closing and that I had spoken to my loan processing officer the day of the closing expressing my concerns. I have never been late or missed a mortgage payment. I have used PNC for all loans and mortgages. PNC mortgage waived my late fees and opened 2 investigations into the title agency. I also immediately paid the 2 mortgage payments. I have had to request on several occasions that the tax documents be sent to my towns tax department. The late payments were reported to all credit bureaus and I am currently working to have the negative reports removed from credit history. I have been in contact with my mortgage companys escalations bureau who has told me that they are missing pages from the closing that should be submitted by the title agency. The incompetence of the title agency has caused me to have negative reports to my credit history. I am attempting to have these items removed from my credit history.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I have a history of usaa doing shady practices on my account. I have a scheduled transaction on my account every pay day. Usaa decided to do the transaction a day early when my funds were low and hit me with a {$30.00} fee. This was a scheduled transaction! I feel this isnt right and I hope usaa fixes it, refunds the fee.