davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, National Association (NY)

I had an a passbook savings account with my father XXXX XXXX at XXXX XXXX XXXX XXXX ( a subsidiary of New York Community Bank ). My father died on XX/XX/2018. On XX/XX/2018 I went to the bank to withdraw the funds from my account. I was told that I could not access my account because I had neither a passbook nor a death certificate. The manager told me that the account would be flagged with the information that a joint account holder was deceased and that I would be able to access my account when I returned. She then printed a list of all the accounts bearing my name with the bank. On XX/XX/2018 I obtained a copy of my father 's death certificate via mail and I returned to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On that day I discovered that {$14000.00} was missing from my account. The bank manager ( XXXX XXXX ) refused to tell me who withdrew the funds. All she would disclose was that a money order had been made out to XXXX XXXX XXXX on XX/XX/2018. I did not authorize this withdrawal. XXXX XXXX told me that she would have the bank perform an investigation and I would hear back within 14 business days. The next morning I received a call from XXXX XXXX that the funds had been returned to my account. I asked her to give me a copy of the withdrawal slip to find out who had stolen the {$14000.00} from my account. XXXX XXXX refused to do so. She has been asked several times to give me a complete documentation of this fraudulent transaction, but she has refused. Her position is that my account was made whole and there is no reason to disclose any further information. My position is that a theft of {$14000.00} occurred and I have a right to know who committed this crime. What further steps can I take to receive the information which I am requesting?
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XXXX continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted XXXX is failing to provide me with any proof that this account belongs to me. I have written this company 4 different times and made them very aware that this account in the amount of {$1700.00} does not belong to me and is a result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I did not open or authorize this account for the 100th time, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. XXXX has not provided me with any contract bearing my signature nor do they have any such contract. Not only that I have not authorized anyone to share my medical information with no third parties or anyone else. I'm baffled as to how this company continues to report inaccurate information and is steadily getting away with it. What are you using to verify this information who have you talk to what proof has been given? It can't possibly be anything that is accurate because I have never dealt with XXXX or the company it represents. I will be forced to sue XXXX and all CRA that's reporting this information.
Consumer complaint received 2022-07-11
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. (NJ)

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' XXXX, TransUnion, XXXX XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (IA)

I received a call from a caller ID that stated it was XXXX XXXX. I answered as I had a pending claim, and was told it they might need additional information. Once answering the person on the phone asked if I had authorized a transfer of {$1000.00} ( keeping in mind he already had all information needed for me to be under the impression it was actually the bank Including name, phone number, account number etc. ) He told me that it could get taken care of all 's I needed to do was approve the transaction from my end so that a reversal could take place ( which I received text/email confirmation of and that all of my money would be safe. After that he stated that he needed to check my other accounts to see if the same person tried to make a transaction with those accounts. He stated that there were 2 {$500.00} pending transfers in my account with ally bank, and that I needed to follow the same steps, and that everything would be taken care of. This call took place on XX/XX/XXXX from the phone number XXXX. I called that bank immediately after hanging up the phone to confirm the information. They informed me that i was not really talking to someone from the bank, then told me that there was no way to stop the transactions. I was told to file and claim and that my money would be returned in 10 days. I received no communication from either bank about the status of either claim so I called XX/XX/XXXX to check that status. I was told by Ally is was denied and they couldn't give me any more information until I received a letter in the mail, and XXXX XXXX wouldn't give me a straight answer. I finally received letters in the mail from both today XXXX that my claims were denied. I tried calling to see what else could be done to retrieve my XXXX that was taken and they told me it was my fault because I approved the transition on my end and they won't be giving my money back. They would as continue to transfer to me different people throughout all of the calls because they did know what to tell me.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage ( UWM ) needs to remove the domain https : //www.myuwmloan.com/ When a borrower google search contact UWM the above link shows up. The link does not take borrower to a page where they can make an inquiry on their account. It is a non-working link. This is misleading to the consumer. I had to look at my billing statement to find a working phone number.
Consumer complaint received 2021-04-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CreditNinja Lending, LLC (MO)

On XX/XX/2021 I received a phone call from my brother stating, that XXXX calling from number XXXX, had called and was trying to find me. He said XXXX also stated that I owed a lot of debt and that I needed to be reached. He stated that XXXX got his number after he ran a background check on me. I also received a call from my mother stating the same thing. XXXX then called me a left me a voicemail that stated " this is the last attempt to contact you. After today, I will run a background check and look at your assets. '' I never gave my brothers or my mothers name on any application I submit. When I spoke to XXXX after I called him back, he stated that he already ran a background check and could tell me any asset I had. when I told him not to call back without written proof of the debt, he said he could call me at any time.
Consumer complaint received 2018-11-09
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. (MD)

I have been a customer of the XXXX XXXX for 10 months and i have been entitled to a credit card. and my payments are punctual. but i cant check my credit score in any of the three company websites. i dont know what has happened.kindly can you check my credit score and let me know
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I deposited a check into my Bank of America mobile checking account and was told that my funds would be available on XX/XX/2023 by XXXX. On XXXX XXXX my available balance reflected that the check had cleared and when I went to the bank to withdraw the funds, the teller told me that I could NOT withdraw my money. She couldnt give me any information and the only thing the bank manager could do was give me a phone number for the Bank of America fraud department. When I called the number that agent told me that there was a 48 hour freeze on my account and there was nothing that I could do about it or the bank could do about it. It has been over a week and not one person at Bank of America can give me a reason or an explanation as to why my account is frozen and the bank wont allow me access to my money!!! I cant pay my rent, I cant go grocery shopping, my life has come to a complete stop because someone at Bank of America decided that because I forgot my mobile banking password, it constituted suspicious activity and has temporarily destroyed my life!!!
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal permanently limited my account.I can longer conduct any kind of business with them.I still have the balanced on ky account.And the problem was I did exactly what their process of opening an account.Im a new user of their account so there is no possible reason why they just limited my account.
Consumer complaint received 2019-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

Equifax does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.
Consumer complaint received 2023-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

My wife and I were on a mortgage forbearance because of Covid 19. This ended in XXXX and I received a letter stating that our first payment is due XX/XX/XXXXXXXX. On XX/XX/XXXX I called Amerihome to make a payment and was told that they will withdraw the money that day from my checking account, hold the funds and then apply the funds on XX/XX/XXXX for my XXXX payment. 

This is not what happened. They applied my XXXX payment to XXXX even though I didn't owe a payment for XXXX. Now because they screwed up, my payments are a month behind I am getting hit with late fees and and a process server came to my house to serve me papers from Amerihome for non payment. I have been on the phone for hours trying to resolve this issue and I am getting nowhere. 

I called last week to request a written copy of all my past correspondence with Amerihome and was told I should get a copy by email within a few days. Its been over a week now and I have nothing.
Consumer complaint received 2019-09-03
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. (TX)

This is my 3rd time attempting to have Equifax, XXXX, and XXXX  remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2019 I experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.
Consumer complaint received 2019-09-03
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. (FL)

On XX/XX/2019 I experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.
Consumer complaint received 2019-09-03
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)

This is my 3rd time attempting to have XXXX, XXXX, and TransUnion remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: MicroBilt / PRBC (formerly CL Verify) (LA)

I am filing this complaint using information obtained from XXXX  credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (VA)

Cascade Capital collections ( XXXX ) calling me at XXXX for " XXXX XXXX ''. My number is business number held by me for XXXX yrs I have never known a " XXXX XXXX '' or any name close to. I have been harassed for XXXX years by one collection agency after another. FTC and CFPB complaints filed ( XXXX ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019. Each time I was assured no further calls would be received. ( In writing by the lawyer for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019 ) None the less these XXXX, XXXX XXXX collection agencies sell or transfer the collection account to new agencies who start calling me again. It would be nice if the Federal employees charged enforcing these laws would actually do something.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have had a synchrony bank Walmart credit card for 2 months now and when I make payments, They will take the money from my bank account within a day but do not replenish my credit line for 10 days and say it's because I have made more than one payment in a billing cycle. So they take my payment and say it's posted but do not release my credit line. It seems suspicious and if they held enough payments from people for long enough it sounds like some type of gaining interest scheme.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I had a account with Wells Frago and I decided to deposit check of my wife to my account of bank and I did have a total of {$1000.00} and I never closed my account. They just notified me my account was closed and if in 30 days they did not receive any information of me than they would return the funds to the direct deposit company they did give me the check from. I have also tried to call customer services and they let me know they will be sending me a check with the amount to my mail box and I have not received anything as of now.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have multiple XXXX XXXX double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.
Consumer complaint received 2019-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

on XX/XX/2019 i went to bought a used car from XXXX XXXX  XXXX. 
My loan agreement said due date on XX/XX/2019 and I was making a payment for XXXX month was pass and nothing and on XX/XX/2019 i made again ... nothing till XX/XX/2019 they told my the money was return. i gave them the reason because my phone lost on XX/XX/2019 and i was stop any payment that was pending on bank account and i don't have a phone after that on Saturday morning XX/XX/2019 the bank was sent repo company come to get my car the problem is .... i wasn't late but i have a problem with my phone somebody took it and what they gon na do with my phone who know i have to stopped right away ... and I have a police report to proof that too. 

I try to ask what I'm gon na do they told me i pass 3months payment ... I'm feeling like what my 1st due date was on XX/XX/2019 and only 2month and 16days right and I still have time on the agreement said 3 month Calendar so they got me wrong since 1st due date and I was complaint last week and the answer u can see in the file. I agree to pay XXXX to get my account and car back and I need them to send me a detail what are myXXXX go for .... the detail but nothing back to me but keep asking me for the payment that I have to pay ... i understand i have to pay but where is the detail of XXXX that i paid for get the car back and I asking for change due date the answer is NO. What are my choice? and How they count the due date. 
and now my car was repo 2nd time they said i was behind payment 37days but  I'm not ... l asking for detail and please explain to them they got the wrong due date and wrong repo ... My property in the car when they repo at XXXX and I was sleeping.. 
I have to paid for get my stuff back but not all my stuff that i got back. 

I called the bank asking for stuff that i didn't get. 1st call they told me if not all my stuff calling them back. 2nd i call to told them that i'm not get all my stuff .. they told me to called the repo company ask them ... This is what my experience with GRANDVIEW FINANCIAL SERVICES.