davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2021 my account with Bank of America was frozen pending a " risk closure ''. The reason I am being given for the closure was due to an SBA loan payment and mismatching information with the company name. I have contacted the SBA as I do not nor have I ever received an SBA loan to which they agreed. The deposit that hit my account was actually from a customer of mine ( this is a business account ) paying me for service that we provided and invoiced for. The deposit also states the invoice number. I have been paid by this customer every month the same way since I opened the account at BOA last year. Until recently I have not had any issues. I have called and made branch visits only to be told that there is nothing they can do or provide any further information. I have been told by everyone that I have spoken to that they do not see why the transaction was flagged or why the account is being closed. As of today XX/XX/2021 I have no access to my funds, I have no money, and no help from BOA. They are directly impacting my business, and the ability for me to take care of my family. I have future payments coming that I am not able to deposit or cash due to this issue. I am aware that mistakes happen, but for there to be no communication with me about my account or whats going on is not ok.
Consumer complaint received 2019-05-20
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. (VA)

This account does not belong to me, I was incarcerated for some time and just was released on XX/XX/2019, and I'm demanding that this account ( XXXX XXXX {$520.00} ) and all and any accounts associated with it be blocked from my report.
Consumer complaint received 2021-04-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I purchased a XXXX Ford truck from a private owner. The vehicle was financed through Wells Fargo Bank. In my presence the previous owner paid off the loan with an electronic fund transfer. Wells Fargo advised that the " Lien Release '' would be delivered in 5 to 10 days via mail. Today marks 20 days and neither the previous owner or I have received the Lien Release. Several calls to Wells Fargo have not yielded any assistance on the matter. My Wells Fargo complaint case # is XXXX and the phone number for them is XXXX.
Consumer complaint received 2018-02-19
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. (TX)

I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following information that Experian has on file. 
XXXX XXXX XXXX Acct # XXXX This same account was removed from XXXX XXXX XXXX on XX/XX/2021. I have disputed this account twice and got the same result. Do all 3 credit bureaus abide by the same rules and regulations?
Consumer complaint received 2020-12-09
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. (PA)

The credit bureaus such as XXXX, Equifax, and XXXX  are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX  as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

It started in mid XX/XX/2021. I man I had been talking to sent me a check. I deposited that check and then he asked me to wire some of the funds to his CPA 's bank. I did. Then the bank took XXXX dollars out of my kids 's accounts to cover that check. They said it was bad. I had no idea. Meanwhile he sends me another check and that one was bad too. I didn't find this out until the money is taken out of my account. I called Huntington bank, they said it was my responsibility to check there account to see if they have the funds. I'm out almost XXXX from this man sending me a couple of checks. I had NO IDEA the checks were bad. I would have never done it. I have the 3rd check in my possession. I am still texting him, hoping to get my kids ' money back. all of our accounts are at same bank and they took the money out of their accounts to cover the check. 
XXXX XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

Fox Collections company only sent and/or provided documentation for the credit debt in the amount of {$350.00}. I NEVER received any correspondence for the 2nd account that is listed on my credit file. There has never been a verified copy of my signature sent for either one of these accounts, and I want them removed immediately. Providing a list of the procedures completed is not verifying that I gave any permission or that this medical information belongs to me.
Consumer complaint received 2017-12-11
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. (FL)

I sent XXXX XXXX fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that XXXX XXXX provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XXXX XXXX XXXX XXXX responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract. 
I 'm not sure what XXXX XXXX is trying to state in these letters, but they are not providing the documents that are being asked for.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (CA)

I'm filing this complaint with Cross County Mortage due to misleading information during the refinance process. I started the refinance process in XX/XX/2021, I signed the 1st closing disclosure on XX/XX/XXXX, and due to XXXX XXXX Mortgage 's lack of communication, the disclosure expired. I signed a 2nd closing disclosure on XXXX and received a call from the loan processor that she will schedule a signing to close my refinance. I never received the appointment to sign, I called the loan processor and loan officer multiple times with no response. I then received a letter in the mail on XX/XX/XXXX indicating that the loan was denied due to credit. During this process, Cross County has done nothing but lie and mislead me
Consumer complaint received 2023-01-19
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. (NC)

The below accounts 1. XXXX - XXXXXXXX XXXX 2- XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a 1099 cancellation of debt form and because of that, these accounts are inaccurate and has to be removed.
Consumer complaint received 2020-08-31
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 (CA)

Look I'm the victim here, this Bank XXXX has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, XXXX was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only XXXX XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also Bank Of America is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity
Consumer complaint received 2020-10-20
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: Resurgent Capital Services L.P. (WA)

I have continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody. 
Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XX/XX/XXXX which is when I was born. 
The creditors that show on all 3 reports are : LVNV Funding for {$3200.00} XXXX XXXX XXXX for {$2600.00} XXXX XXXX for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money. 
Please Help as the reporting agencies just get a " verified '' back which doesn't help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TN)

I recently sent a letter to Ad Astra making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Ria Envia, LLC (AR)

I do not have a checking account. However because of XXXX I cant make any finance transactions at XXXX. Such as pick up money send money or cash a simple money order. Why is this happening when I never cash checks. My own father sent me a money order because XXXX wouldn't let me use money gram but when I try to cash this money order they refused to complete this transaction. They said XXXX declined my transaction and it is a permenant decision. But they are unable to tell me why XXXX made this decision about me. I need this correction on my name its degrading because I am not a criminal. I feel very violated
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX  XXXX {$360.00}
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

I sent XXXX XLM ( XXXX XXXX ) from XXXX to coinbase on XXXX around XXXX XXXX EST. This usually takes at most 15 minutes. This time it was taking considerably longer but the transaction still said pending on XXXX so I wasnt worried about it. I then read that there was an issue with the XXXX  network but XXXX and the exchanges were looking into it. Around XXXXXXXX XXXX that same day, I received notice from XXXX and XXXX XXXX that the problem had been resolved. Within an hour, my transaction showed successful on XXXX end but still no funds were received on coinbase. I gave it some time and then when I realized other people were having the same issue, but only on coinbase, I started a support ticket with coinbase. I received a vague automated response stating that they were aware of the issue and working on it but it has been over 24 hours now and I havent been updated, nor has anyone else who is experiencing this issue. They seem to still be blaming it on the XXXX network but the issue has been long resolved on XXXX end and every other exchange has seemed to have figured it out except coinbase. This isnt the first Im hearing about funds disappearing on coinbase and it doesnt seem like this type of thing gets resolved very often without some sort for mediation. The worst part is, theyre not even attempting to warn anyone that there is an issue and are continuing to allow customers to attempt to send/recieve funds and all are just ending up in limbo.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Business Services, Inc. (FL)

Somebody used my identity at XXXX Fire and Rescue. The transaction was reported to XXXX Credit Bureau on XXXX. The name referenced was XXXX and they used my social security number. The collection company was called Security and their phone number is XXXX. The amount is {$640.00}.
Consumer complaint received 2023-01-19
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 (FL)

I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On Wednesday XX/XX/XXXX at around XXXX PM I went to a US Bank ATM on XXXXXXXX XXXX XXXX XXXXXXXX Ca XXXX and attempted to withdraw {$700.00} cash. After releasing my card back to me the ATM said it timed out and no money was given out. I tried two more times and these two times the withdraw button was completely unavailable. Immediately I checked my US bank app and my account reflected the XXXX despite not giving me the cash. I called customer service and the agent told me there was nothing he can do except start a claim that would take 10 business days to decide for just the provisional credit. After insisting I get my money back immediately because I specifically pulled it out for a trip I leave to on sunday he told me if I went to the local branch and spoke to the branch manager they would be able to reverse it. It was closed at the time of the incident so I went first thing opening on XX/XX/XXXX XXXX where the manager and teller told me there was nothing they can do but start a claim. No expedition, no immediate temporary or provisional credit. 10 days thats it. Its absolutely ridiculous that I am now out of {$700.00} for a trip I have in three days and theres literally no other option I am being offered except for a claim.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.
Consumer complaint received 2021-04-08
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 (CA)

On XX/XX/XXXX myself and my boyfriend applied for an apartment with XXXX XXXX XXXX in XXXX California. We submitted two separate payments of {$35.00} for apllication fees and {$250.00} for a holding deposit. I received an email from XXXX who is the property manager and he stated the {$35.00} is non refundable and the {$250.00} is based on the out one of the crefut check. Meaning if I'm denied I get it back. I was denied and asked that the {$150.00} be refunded to my card. I was told it couldn't be and corporate would send a check. I never got a check and I went through my bank to dispute it. My bank, Chime gave me a provisional credit and then last week told me they completed the dispute and no error was found and that they would now take the {$250.00} back as of XX/XX/XXXX. I contacted and spoke to a floor manager twice to have this dispute reopened. I was given the pdf they used and it's a rebuttal that's not on letter head and says they charge $ XXXX for an app fee and I agreed to it and knew it was non refundable. I submitted Chime with all the emails to prove it was a holding fee. And on the bottom of their pdf it states how the charges were to be seen on my statement. It showed two {$35.00} app fees and one {$250.00} holding fee. I was told my dispute would be open and the money would not be debited. However today it was now I'm negative and they will not reopen and they are standing by the merchant stating {$250.00} is an application fee although I was only charged once and there were two of us.
Consumer complaint received 2020-11-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (WA)

I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXXXXXX ). They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. 

I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this.
Consumer complaint received 2020-11-01
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: EQUIFAX, INC. (GA)

I contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.
Consumer complaint received 2020-11-01
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)

I contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.
Consumer complaint received 2020-11-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BBVA FINANCIAL CORPORATION (KS)

I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app orally threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights