davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am receiving state XXXX payments from California onto a Bank of America XXXX XXXX. I insisted a transfer to my Bank of America checking account on XX/XX/XXXX for {$3200.00}. The money instantly showed transferred from the debit card and as of today XX/XX/XXXX, the funds are still not in my Bank of America checking account. 

Bank of America to Bank of America transfers should be instant, yet my funds are nowhere to be found. I spoke with a representative yesterday for XXXX minutes who was not able to resolve the issue. I am on the phone today and again getting nowhere, they are saying it is a government issued card and they dont know why the funds arent appearing, so they transferred me to another line and I received a message that they are unable to complete my call and hung up on me. 

I dont have access to my money and am forced to pay interest and late charges to other bills because I can not access my funds a full 6 days later. Apparent the back is earning interest on my money for 6 days while I can not get to my funds. A supervisor today said they dont know what happened and I would need to be transferred to the claims department to try and get my funds returned. 

This is outrageous that Bank of America has the responsibility to handle these funds and they are not able to look and see what happened. I have spoken with 6 people so far and the last supervisor was completely condescending and said he doesnt know where the funds are and that possibly I entered an incorrect routing and account number, yet I have not updated my routing and account number since I started receiving these funds and every previous time I have transferred money. Now he needs me to file a claim with the bank for my missing funds. Its all internal Bank of America, I have spent two hours chasing this down when someone at the bank should have a system to see where the {$3200.00} went back on the XXXX. Now they are telling me I have to file a claim for missing funds. This is beyond irresponsible that they can not find my money and are delaying further while they file a dispute claim they will have to research the claim and it will take up to 45 days to get an answer. This is my MONEY, this is outrageous.
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Debt Recovery Solutions, LLC (LA)

Attached is a letter I received in the mail dated XX/XX/18 from Debt Recovery Solutions , LLC stating I owe {$140.00} to XXXX XXXX. The account was purchased from XXXX XXXX, XXXX from XXXX XXXX. I have not taken out a loan from XXXX XXXX. I contacted Debt Recovery Solution, LLC on XX/XX/18 to let them know I have not taken out a payday loan from this company or any other company. I do not taken out pay day loans. The gentleman on the phone name XXXX was very rude and aggressive. I stated to him that I was going to file a complaint with the CFPB. He said fine but I took the loan out. I stated to him that I did not.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I took advantage of a balance transfer option with one of there checks. They then charged me the balance transfer fee and also interest on top of it. Resulting in me losing {$1300.00} in fees and interest. Bank of America said that the check wasnt supposed to be written out to me for deposit but it didnt state that anywhere and the check in front states to deposit or cash and I did just that. When I tried to get this resolved they said I wouldnt get any refund since I used the check wrong, when I asked for evidence of the legal terms they refused to provide it. Then the crazy thing is that they send me another check offer and it doesnt state not to deposit for myself anywhere.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BELMONT FINANCE LLC (FL)

XXXX XXXX is attempting to collect a debt that is not owed for Belmont Finance, whom I am also filing a complaint against. In XXXX of XXXX, XXXX XXXX had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of Belmont Finance for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the ACH payments on an item that was not only paid off, but also returned. Not only was the original account with Belmont Finance closed in XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.
Consumer complaint received 2022-07-11
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: COMMERCE BANK (OR)

On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I had NO IDEA why. I did not apply for credit, housing or employment anywhere. This was fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX During the past XXXX XXXX months XXXX Commerce Bank XXXX XXXX has promised and promised and promised to REMOVE THE CREDIT INQUIRY they put on my credit file XXXX XXXX XXXX. But it is still there as of today, XX/XX/2022. I have attached two letters from COMMERCE BANK XXXX XXXX saying they will remove the inquiry but nothing has happened. I don't know why they keep promising to remove it but fail to do so. 

What should I do besides submit more complaints!?! 

Thank you.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I've received an email on XXXX  XXXX 2023 that mentioned my new account was open and I just noticed it when I got an email this morning with an account statement ready to view. This was from Citizen Bank. I do not have an account with then and this is a case of identity fraud, someone used my name, birthday and ssn to open a savings account. I finally got ahold of someone from customer service but all they did was take my info and inform me they sent a request into their fraud department. They told me I couldn't call them directly or even close the account right away so now I have no idea if the fraudulent account is still open or by whom. They were not helpful and seemed to not care it was identity theft.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with XXXX and Equifax.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.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.
Consumer complaint received 2022-03-30
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. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NM)

I set up a consolidation loan with my personal bank, XXXX XXXX. on XX/XX/2018 XXXX XXXX sent by electronic transfer, my payoff balance of {$1500.00} to Synchrony Bank which was received on XX/XX/2018. According to Synchrony Bank that payment was not applied to my account and i still have a balance with them. XXXX XXXX has sent over a letter stating their records show the payment was sent and received. I believe the payment was received but possibly paid to the wrong account. XXXX XXXX sent over a trace number for Synchrony to locate the payment and apply it to my account however Synchrony Bank states that they can not look up a payment by the trace number and need the routing number the bank used to make the payment. I then spoke with XXXX XXXX again and they stated there was no routing number and that Synchrony should be able to locate the payment using the trace number. 
I am at a point where i can not get any further with either bank in locating my payment and applying it to my account with Synchrony Bank. Any help I can get with locating this payment and applying it to my account would be appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

The original creditor account was opened XX/XX/XXXX which was XXXX XXXX. The debt was charged off. They have the wrong information. The debt was sold to Portfolio Recovery and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with Portfolio Recovery to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.
Consumer complaint received 2018-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

I received a notice from XXXX XXXX XXXX ( XXXX ) stating that our payments were going up and we were short in escrow of the amount {$2000.00}. Our loan was transferred from Wells Fargo Home Mortgage to their company in XX/XX/XXXX. Our payments with Wells Fargo and XXXX are current and up to date. So there should not be a shortage with our escrow account. Our bankruptcy was discharged early last year and we received a noticed that there was an escrow overage and we received a escrow refund check for {$2100.00}. We received a refund because Wells Fargo was supposed to apply the pre-petition payment of {$2600.00} to the escrow account. I called Wells Fargo on XX/XX/XXXX regarding the matter and the escrow representatives and customer service understood and verified that the pre-petition was not applied to the escrow account as stated. Please review all verified bankruptcy documents from my attorney. If the escrow was short as Wells Fargo as stated they would not have discharged the bankruptcy as stated in the documents.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (DE)

This credit card account was supposed to be interest free as long as I paid it off by XX/XX/2017. I paid off all the purchases but then they charged me interest and now all these late fees on the interest. In addition, they are reporting this invalid balance as delinquent on my credit bureau report. I wrote them a very detailed letter and they never researched it or responded which is a violation of FCRA regulation.
Consumer complaint received 2022-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NM)

My hours at work were cut about a month ago, and after doing research and speaking to some people at HUD, I submitted with Dovenmuehle to get a mortgage forbearance under the CARES Act extension. Despite the Act including no language about needing to prove hardship, Dovenmuehle requires proof of hardship. So on XX/XX/XXXX, I submitted copies of paystubs so I could move to their next step, in requesting forbearance. When it appeared my documents were not being processed ( appeared stalled in queue ), I sent an email, same day of XX/XX/XXXX, asking both if they could provide an update on my specific file, and give me guidance as to what their hardship documentation requirement is, as it is absent from the Cares Act. A reply came on XX/XX/XXXX, stating that they are unable to assist over the phone and that I must call ( even though the ball is in their court, as I have submitted documentation properly ). So I called then ( XX/XX/XXXX ) and waited for OVER an hour, while being repeatedly assured someone would be on the line " shortly '' by their automated recording, holding for over an hour did not result in my ability to access a human who could assist me. I then emailed letting them know I can not wait for hours, plural, on the phone for assistance -- and made a request to find out how I can be assisted here. I let them know that if they put me off I will move forward with filing a complaint as it sure seems like Dovenmuehle takes steps to prevent people from accessing the Cares Act. I got a response this morning, XX/XX/XXXX, explaining the hold times are due to the pandemic, and offering no other support, directing me again to call the same number I had just explained requires hours, plural, on hold with no support. It is with the belief that Dovenmuehle has : 1. Added additional impediments to obtaining relief through the Cares Act, despite this not being their right to do so ; 2. Dovenmuehle then does not process their own required paperwork. ( So they add another step for the consumer, and then leave the consumer stuck at this step ). It is my belief that both of the above actions are both at odds with the nature of the Cares Act, and in an attempt to prevent people from accessing it. This makes me angry and I would like some answers and support.
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 — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

On XX/XX/2018 I obtained and printed a credit report from XXXX and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (VA)

I received a summons in the mail to appear for court for a warrant in debt. I never got any calls or any written notices of the debt so there was never an opportunity for me to try to settle the debt or dispute it. I've never heard of the company before so I don't even know what it's pertaining to.
Consumer complaint received 2018-08-08
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. (PA)

THIS IS AN ATTACHMENT OF ADDITIONAL EVIDENCE OF THIS COMPANY 'S INJURY TO MY ENTITY BASED UPON THEIR INACCURATE AND INCORRECT REPORTING. 
MY INITIAL COMPLAINT REGARDING THIS ISSUE IS DETAILED IN REPORT NUMBER XXXX OF CFPB FILING PURSUANT TO FCRA.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (VA)

I opened a secured card three years ago was told if i kept my account and card in good standings for a period of one year that it would be revieved and would go to a regular card where i would get my deposit back and have a unsecured card I pay most of the time more than the limit and always pay early, also making sure that i never go over my limits. They do have a hire interest rate on a secured card and charge me XXXX dollars annual fee, i beleive that is why they hold people captive in this sceem and should be fully investigated, it is now going on three years and always same buul story when you call them, they say you where late, over limit. I have checked my credit report today and no over limits or lates and score XXXX for credit.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (LA)

There is a fraudulent charge on my credit report from XXXX XXXX I have never purchased anything from them.. I spoke with Experian today and they said they are going by what the company says, that isnt fair thats fraud, just because someone says you owe them dont mean they are telling the truth and for Experian to allow this I feel they are helping these fraudulent people.. The other two credit bureaus reported this as fraud Experian is the only one keeping it on my report.. I have no knowledge of that account with XXXX XXXX Experian let them update the information when its fraud, how can they update the charges to XXXX
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

My daughters USAA checking account was hacked XX/XX/2019, unannounced to account owners. USAA bank allowed an unexplained 3rd party to over draft her account XXXX on the XXXX, where she had difficulty using her debit card. We have tried to understand this withdrawal when insufficient funds are available and who this 3rd party is attached to her account. Bank claims it is her account she has adamantly denied. I am her mother 2nd on the account. The bank has not addressed this complaint/ issue. We have called daily and are being transferred to and fro departments, hung up on, yelled at and told paperwork ect has been initiated to help us dispute our case. They have not followed through with anything they said. Deadlines have come and gone. No paperwork! Filed a police report and wrote the bank board members of our poor quality service. We have no recourse and have been treated unfairly/ untimely. It has been 3 weeks, calling daily getting transferred to different departments that can not or will not help us.Unlawful