davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX I passed the MLO test to become a mortgage loan officer. After I applied to the NY State Department of Finance for my license they came back and said that there was a charge off from Bank of America from XXXX on my credit report. In order to get approved and obtained my license I need a letter from Bank of America with my account number on it that states this loan is paid off or I am working to resolve this issue. I have been calling Bank of America since XXXX in order to obtain this letter. Because the account was charged off in XXXX no one can pull the account so I get transferred to someone who can pull the account up in their old system. When I speak to that person they tell me that the account is closed and already paid off and they will submit the request for the letter. I have not received a letter. I have sent in written requests for the letter and never received a response. One representative told me that I needed to start making payments. I told them I was willing to set up a payment plan and they said we don't do that. I then said what if I make a {$1000.00} payment can I have a receipt or letter showing that I am working on resolving this issue, they tell me no we don't give receipts. I was also able to obtain the lien release from the State of New York. When I tell Bank of America I have a copy of the lien release they tell me yeah we see it but I can't help you. I have been transferred to every department, I have 13 different case numbers. When I give them all the case numbers they say they can't see them that I must have made these requests online. I tell them I have never submitted a request online and I give them names of people I speak with. They tell me " well we are all over the country so I don't know ''. If I do get someone who can see my account they tell me that they see the lien has been paid off they have the lien release and oh you will get a letter in 24 hours. I still haven't gotten the letter. The account is closed, the lien has been paid. I had 90 days to get this letter and my time is running out. I have spent hours on the phone, written multiple letters and Bank of America will not help me.
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

See attachments : *8 pages from Loan Depot stating the same statement " further research time '' *New document since last request for help -- IRS 1098 showing payoff and remaining balance of {$0.00} and reporting {$460.00} less payoff amount from Loan Depot 's original document " Thank you for your payment '' dated XXXX. NOTE : IRS 1098 form shows late payment also paid. Once again, " Thank you for your payment of {$50.00} late payment paid XXXX *What other research do they need? Loan Depot 's own admission three time states that loanXXXX is paid in full. ( page 16, page 2 and 3 ) *Document also attached from closing XXXX XXXX, payoff of XXXX XXXX as of XXXX $ XXXX {$170.00}, XXXX ( page 3 of attachment ) or reported 1098 form ( page 16 of 16 ) payments applied {$170000.00}, over reported of {$490.00}. 
*Loan Depot owes me {$6000.00} over payment *I am seeking an attorney for {$6000.00}, attorney 's fees and interest due since XXXX. Seeking attorney Monday XXXX, they have had enough time to so called " research '' *Can you help me? 
*Sending all documents to your address certified mail so someone will open and assist me in this matter.
Consumer complaint received 2021-01-27
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: CORELOGIC INC (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, TELETRACK add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX/XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-12-15
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: EQUIFAX, INC. (IN)

I got a letter in the mail from XXXX XXXX XXXX and XXXX XXXX about the data breach that occurred in XXXX. I tried to log into the site they sent and I could not verify my identity because the questions did not apply to me. I called Equifax and they could not verify my identity either. I contacted consumerfinance.gov and they told me to file a complaint. The questions that are asked to verify my identity do not apply to me. I am worried about my ID being stolen.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

On Saturday XX/XX/XXXX at XXXX I received a fraud-alert text message from my bank, BB & T . It asked if I had attempted a {$500.00} charge with my debit card at XXXX ( XXXX Services ) . I replied NO and immediately received another text with a phone number, which I called right away. The bank representative ( not the fraud department ) blocked my debit card. He explained that XXXX had tried my card with a {$0.00} charge, then made TWO {$500.00} withdrawals. 

On XX/XX/XXXX I filed two fraud claims in a single process at the XXXX XXXX ( XXXX ) website. I have yet to receive any acknowledgement from XXXX  that they received my claim. On XXXX I selected the XXXX  fraud claims page/site callback option. I have not gotten a call back. 

BB & T 's checking account phone rep told me on XX/XX/XXXX that the two charges were pending but there was nothing the bank could do to stop them from clearing. These charges, made XX/XX/XXXX, did not clear until XXXX. On Tuesday XXXX I filed claims at my local branch bank. On XXXX BB & T emailed to let me know a new debit card was on its way, listing the reason as " Your BB & T Debit Card was reported lost. '' It was not lost, it was blocked by the bank rep during our XX/XX/XXXX phone call. This kind of inaccuracy has me concerned. Also I called BB & T 's fraud department today, was on hold for 22 minutes and then the call just disconnected, as if a rep had flubbed connecting with her next on-hold caller ( me ). 

XXXX XXXX  does not have my bank account info. I believe access to my account may have happened because I signed up for a 14-day trial subscription ( {$39.00} after the trial ) with XXXX on XX/XX/XXXX. I made the mistake of clicking the " Pay with XXXXXXXX XXXX  '' option, even though I have never used XXXX nor given them my account info.
Consumer complaint received 2021-01-27
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)

On XX/XX/20 I sent a letter to the bureaus stating I had not received any info back on my disputes. Pursuant to 15 USC 1681i this is a violation of the law. I believe these companies have been ignoring me and they had 30 days to respond and did not. Any violation of the FCRA immediately calls for deletion and I have listed the accounts that were already inaccurate and misleading. These companies are not only in violation of the FCRA but also the FDCPA pursuant to 15 USC 1692e. Clearly, the law isn't stopping these companies from committing fraud. They also have no written permission by me pursuant to 15 USC 1681b ( 2 ) to funish anything to my consumer report. These items need to be deleted immediatly. You are in violation of 15 USC 1681i, 15 USC 1692e and 15 USC 1681b ( 2 ). I am seeking litigation.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elite Financial Services, Inc. (MO)

XXXX XXXX  XXXX agency has harassed me and ruin my reputation. XXXX XXXX  XXXX has also admitted to my claims. I have sent them a fair resolution.
Consumer complaint received 2021-08-22
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: Experian Information Solutions Inc. (CA)

XXXX XXXX is report I was not up to date and says I was charged off experience has requested proof from several time to validate my claim I have provided a letter from the merchant stating my account was paid in full experience has refused to act knowledge the proof they have requested its dated and nothing is being done
Consumer complaint received 2020-12-03
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: TD BANK US HOLDING COMPANY (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX.

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-06-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX and XX/XX/2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLD KEY CREDIT, INC. (NY)

I am attempting to perform a refinance for dept consolidation. I was advised to address negative credit reporting from my credit report ASAP. Gold Key Credit appears on my credit report 4 times as a creditor  experiencing delinquency. I have never had an account with the company or received an invoice or anything substantiating that I have a debt to them. I am a XXXX XXXX retiree and XXXX  victim. My wife was diagnosed with XXXX a year ago and I have resided with her in XXXX XXXX XXXX ICU for the past XXXX days. It is imperative that I get negative reporting removed from my Credit Report for an improved score and my refinance approved. Reviews of the company indicate that they data mine for any outstanding medical dates and consolidate them for negative credit reporting with varying degrees of accuracy. 
I have always had superior Medical Coverage and never avoided paying a copay at time of service. It would be a great accomplishment to get bottom feeders like Gold Key banned from negative credit reporting. If someone was not paid for one of my accounts it was an error or the care provider did not document what service they performed with date and location of service to be paid by my insurance. This is the first attempt to address these 4 negative entries on my credit report.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (UT)

On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-03
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: Bread Financial Holdings, Inc. (GA)

Upon pulling my credit report I noticed that there is a Victoria 's Secret account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with Comenity/Victoria 's Secret under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I received a letter from Phh morgage company that my escrow account was short a specific amount of money and I paid that amount in full guaranteeing me my morgage wouldnt go up. They cashed the check for that amount specifically. There was a due date by which the amount needed to be paid and it was and the check cashed. They allowed my payment but didnt apply it to my escrow and my morgage payment went up and I was guaranteed it wouldnt. They didnt apply to my escrow. They told me they couldnt discuss my morgage with me and why it went up. I told them the day they cashed that check the agreed to the terms and conditions of that contract. How can they not apply the funds in the contact I paid for specifically to my escrow account. My morgage went up .I want to know why they didnt honor the terms in their contract and liked my morgage account to be the correct amount and the money in my contract honored into my escrow. XXXX XXXX email XXXX.
Consumer complaint received 2021-01-25
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (MA)

Hi Delta Management XXXX / XXXX XXXX How are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

My name Is XXXX XXXX and I am a XXXX XXXX XXXX, I opened a account with Chime Bank and my pay would be deposited through XXXX pay to my account from the person I drove for ( XXXX XXXX ). On XX/XX/2020 I received my pay of XXXX dollars and XXXX XX/XX/2020 a withdraw of {$1000.00} dollars was put threw on my account. I never authorized anyone to with draw XXXX dollars from my account. I never sent XXXX dollars to ANYONE. I never purchased ANYTHING for XXXX dollars. I Reported the transaction to Chime Bank and went threw all their hoops TWICE! They closed my account and you can't call them unless you have a open account. You can only contact them threw email once your account is closed and they have denied that there was ever any wrong doing to my account and refuse to fix this. Last time I checked {$1000.00} dollars was Grand Theft but no one in that bank wants to help fix it and even worse we can't see my account history because they shut it off.. I will attach all email conversations with Chime Banks Support Department for you. After I have done a little research I have discovered I am NOT the first person CHIME BANK has done this to. Please help me in this matter, {$1000.00} doesn't seem like a lot of money but to me and my family at XXXX IT IS.
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My Loan was sold to LOANCARE. My first mortgage payment was due XX/XX/XXXX. I received a mortgage statement showing my payment was less than expected. I called LOANCARE and they said they show a credit and to make the payment on the statement. I did. ( please see the statement and payment out of my bank account ) I started getting phone calls from Loancare about not making my payments shortly after this. I kept telling them that we made the payment per their instruction. Thereafter, they kept calling and calling about a missed payment. They put on my following months statements a full month payment being missed. I made XXXX and XXXX payments when I started getting phone calls from Loancare once again. I asked for a manager after conversations Loancare trying to clear this up and they told me they would call me back. Never received a call back. Yet once again getting more calls from Loancare harassing me about my payments. I have called them numerous times with no return calls after they said they would call me back. Finally, I reached out to my loan officer that I did my loan through to help me. I then received a phone call and a letter in the mail that the correction was made. NOW, I am getting another letter stating I am still late and no payment was received. I have numerous amounts of recorded conversations with Loancare documenting what I am referring to. Also, I have documents I can upload supporting these timelines. I have never been late and I have followed Loancares direction on what to pay originally after I questioned the payment amount. I need some assistance getting this cleared up as I have spoken to Loancare SEVERAL times, waiting on hold for over XXXX hours to speak someone, been told they would call me back and never did, and then have a letter being told this is corrected and yet still get harrased by phone calls telling me I still owe. This is unacceptable from a mortgage servicer to scare me about a payment that has been made. I am afraid they are going to put me in foreclosure.
Consumer complaint received 2021-10-13
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 (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-08-22
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: CORELOGIC INC (DE)

Greetings My name is XXXX XXXX. On Two Occasions, Credco obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively