davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (AZ)

My complaint is against : Mortgage Loan Officer : XXXX XXXX XXXX : NEW AMERICAN FUNDING Over 2 weeks ago, onn XXXX I submitted my : -Loan application -ALL requested documents -Signed and Submitted all required disclosures statements and I have not received ANY response or communication from this lender by email, mail, phone, text, or fax or any other form of communication. 

Everything is documented. Please let me know you would liked me to furnish any documentation, emails, screen shots. 

Please advise is there is a regulation to protect consumers from lenders collecting financially sensitive information and not providing the consumer with a response within a reasonable time-frame. I am appreciative of any assistance you can provide. 

I am very concerned about submitting ALL of my personal financial information and not receiving any sort of response after waiting 20 days. I believe it is necessary to report this incident to prevent it happening to anyone else. 

Thank you very much for your time and review of this matter. Please feel free to contact me with any questions. 

Thank you,
Consumer complaint received 2020-10-22
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: AFNI INC. (CA)

XX/XX/2020 I was notified through XXXX XXXX that AFNI added a derogatory account. This account was sold and Transferred. A bill without a signature does not validate a debt. Please terminate all collection efforts. And notify all three credit bureaus for inaccurate reporting.
Consumer complaint received 2019-11-01
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. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$140.00} not mine XXXX XXXX XXXX XXXX-XXXX {$820.00} not mine XXXX XXXX XXXX XXXX-XXXX {$580.00} not mine
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a problem with Bank of America they closed my account because I had a few over drafts on my account but all was paid even after they closed the account now I cant get an account no where else because they have me down a I owe them money but the money was paid I even called and talk to a lady and she didnt see nothing there that say I didnt pay but when I go and try to open an account some where they say that I owe another bank and thats the only bank that I had
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good Morning. 
Bank of America reported late payments on my credit card for more than 60 days. I already talked to the bank and it was an error by the bank, I made a claim and they corrected the error but my credit report continues to show late payments which lowers my score, they made the update XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am really worried about this situation, I talked with Bank of America today and they tell me that the best solution is call o made a claim with CFPB. Thnak You so Much.
Consumer complaint received 2021-03-30
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 (FL)

On XX/XX/2020 I received an email from PayPal stating that my account was currently limited and that i had to take some steps to resolve the issue. I completed such steps and everything was fine. On XX/XX/2020 I received an email from pay-pal stating that my account is permanently banned and that after 180 days any money on my account will be released. There is over XXXX on my account that was supposed to be used during this pandemic. No Pay-Pal representative has told me any reasons to why they limitation was placed on my account in the first place. My account had been limited since XXXX. its been over 180 days and my money has not been released. pay-pal representatives state that an email will be sent to me and I haven't received one yet. They say that anything else after that is out of their control but I believe that is false. I was told a deadline on when my funds will be released and it is past due. My email linked to my Pay-Pal account is XXXX. This situation has dealt a great tragedy. 
I just want to remove my funds and discontinue the use of pay-pal services. Any help from you guys will be greatly appreciated.
Consumer complaint received 2023-06-06
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

I was charged {$20.00} for payoff statements that were requested by a third party in connection with a refinance transaction. The mortgage and note do not mention any fees to be charged for mortgage maintenance. There was no fee schedule included in my closing package, which was confirmed by XXXX XXXX of Quicken Loans by telephone conversation on XX/XX/2020 at XXXX XXXX XXXX. At closing, I was never made aware of any fees to be charged for payoff statements or maintenance of my loan. Quicken Loans refused to remove the charges.
Consumer complaint received 2018-09-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had a recent credit check done, and Bank of America is still showing under my name for XXXX I have contacted the company in the past, also sent out letters and ID theft report, but it has not been removed off my credit. 

I am a XXXX XXXX XXXX XXXX XXXX working as A XXXX XXXX, and I am victim of Identity Theft, I would like to have BANK OF AMERICA REMOVED FROM MY CREDIT REPORT AS IT IS NOT VALID AND FALSE AND FRAUDULENT. 

I have provided proof to show that and attached it as well.
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I sent two wire transfers from my personal XXXX XXXX account to a business account held at Bank of America. 
1st wire transaction, XX/XX/2022 : I sent {$10000.00} but the recipient account number was incorrect so the wire reversed but less {$45.00}, so I only received {$9900.00}. I was also charged {$25.00} for outgoing wire fee ( XXXX  ). 

2nd wire transaction, XX/XX/2022 : I noticed the error with the account no in transaction 1 and attempted to fix it but for some reason the changes did not save. I proceeded to do the wire transfer again ( {$9.00} ) - I paid another outgoing fee of {$25.00} and later found out that the wire was reversed, a {$45.00} fee was also deducted, so I received {$9800.00} I have called both XXXX XXXX  & Bank of America to find out why I never received back the full wire amount, none of them is claiming responsibility for the fees, they kept pointing fingers at each other, I have been transferred from department to department and called several times and spoken to different reps- each claiming the fee is from the other institution. 

I am imploring CFCB to look into this and help me recover the {$90.00} that was lost during these transactions. 

Thank you
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (RI)

Midland funding XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Has been sending me collection notices in the amount of XXXX dollars the collection has been reported as paste due to a balance. I do not know this company i hace never done any business with this company. The company dies not have a contract with my signature.
Consumer complaint received 2020-10-12
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. (MA)

I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.
Consumer complaint received 2020-10-12
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. (MA)

I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.
Consumer complaint received 2023-06-06
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. (MD)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : Unemployed This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

I opened the free checking acct online on XX/XX/XXXX for the XXXX bonus for a direct deposit and meet all requirements.On XX/XX/XXXX I had a direct deposit of XXXX deposited and it was credited around XX/XX/XXXX. No problem yet. 
I was sick with a case of XXXX and could and would not go to a bank. I had bought 2 money orders for XXXX at an XXXX XXXX  store and another money order for XXXX from the US Postal Service before I was ill. I had paid a fee for these also and have receipts also showing I paid in cash. 
I used the Key Bank mobile deposit system on my phone to deposit these 3 money orders via mobile since I was not going to the bank. I received acknowledgement of the 3 deposits totaling {$1400.00} I checked my account a few days later online and found out it was locked! I called the XXXX # the site said to call. After being bounced around for almost 45 minutes, I was told they are investigating " fraud ''. This is outrageous. I duly and legally purchased these money orders and mobilly deposited these items. I called the local branch in XXXX NY and spoke to the manager XXXX. She was quite professional and told me that they are investigating fraud. She told me it would take at least 10 days!!. I also received a letter from Key on XX/XX/XXXX telling me the deposit of XXXX is on hold till XXXX Today is XXXX.Today I received a mailed statement with my XXXX deposit listed along with my total balance of {$1900.00}. I want access to my funds now. This investigation like I am a criminal is a total sham. I also want my XXXX bonus which is not on todays mailed statement! So far its almost 2 months that I have no access to my acct and they are holding my money!!
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WV)

I contacted Discover Credit Card regarding an erroneous {$500.00} transfer from my account that occurred on XX/XX/2020. They determined it was fraud and credited my account. They cancelled my card and gave me a new account number and card. 
XX/XX/2020 the {$500.00} was credited. 
XX/XX/2020 {$500.00} was erroneously taken out. XXXX it was credited back to my account. XX/XX/2020 {$500.00} was taken out again. XX/XX/2020 it was credited back to my account. XX/XX/2020 again {$500.00} was taken from the account. XX/XX/2020 they charged me a late fee and interest AFTER I had closed the account and was assured this was taken care of. Each month I have called Discover and each time I talk to 3 to 5 representatives taking about an hour of my time. Each time I was told it was corrected and it would not happen again. I finaly froze the account, but after another erroneous {$500.00} withdrawal I told them to close the account. I was assured they would correct this. They have not as of XX/XX/2020.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : Unemployed This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.
Consumer complaint received 2019-11-01
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. (GA)

Hi, I notified the 3 major bureaus regarding accounts that are erroneous and reporting fraudulently under my name. The most recent correspondence was sent 3 weeks ago.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NJ)

I had an account that was scheduled to be charged off that I had never received a notice for neither by mail, email, phone, or text alert for {$99.00}. PNC cleared my checking account in the amount of {$62.00} to cover part of the debt that was owed leaving a {$36.00} balance left to be paid. I informed PNC that I will have a direct deposit coming in on XX/XX/19 that can cover the remaining balance. The representative informed me that they will hold off on closing the account so the debt can be settled. PNC closed the account on XX/XX/19. When I noticed the account disappeared from my mobile banking app, I called PNC again on XX/XX/19 to make them away that the funds will be coming to the account the next morning, the representative I spoke with said to call on Friday XX/XX/2019 and they can transfer the funds to my active account. I called someone this morning XX/XX/2019 and they spoke to me and said the funds have posted and call back at XXXX to have them transferred. When I called back at XXXX, I was informed that they could not move my money until Monday afternoon because they haven't posted the funds. I am ENRAGED being that I have to pay rent and take care of a child and I'm set back {$620.00}.
Consumer complaint received 2017-08-11
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: EQUIFAX, INC. (NC)

This is still an ongoing issue, I disputed the below with CFPB and the results were they would follow up with me. I never received a response via mail from them. Legally they are required to show proof of how they are validating the account. I called the companies for each credit card and they cant even locate the accounts. How are they getting validated? I know the reason why they arent showing it is because there is no proof because they arent mine!! I have battled this for years. Now it appears Equifax has updated my report and said the first date delinquency reported was XX/XX/XXXX!! They can pull reports from previous months and years and SEE this is incorrect!! Driving my score down even further!! I have attached copies of my previous report and most current report. Please notice the refusal to re-investigate by stating I must contact each company. Also, See XXXX XXXX reporting incorrectly with date major delinquency was 1st reported. I pulled my XXXX And XXXX credit report and noticed XXXX XXXX for {$160.00} and XXXX XXXX {$0.00} balance, showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with XXXX stating this is not my account and with XXXX 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called XXXX credit card company and was told 4 times that they could not find an account with my name on it or the account number. I spoke with XXXX she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to XXXX at XXXX she states she cant remove it because XXXX is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do. XXXX XXXX- I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with XXXX as well that this is not my account. This last dispute on XX/XX/XXXX, it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( XXXX or XXXX ) will not provide proof and I have did all I can do. I also advised XXXX the following Inquiries are fraudulent /not authorized by me : XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX XXXX- XX/XX/XXXX I advised XXXX the following iquiries are fraudulent/not authorized by me : XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I need this to be corrected and removed from my credit reports.