davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My MERRILL EDGE checking account was flagged and they would only accept certain forms of ID with my current address so I came back to them a couple months later with those exact forms of identification they asked for. I was told to wait 1-2 days and now Im being told 4-5 days. This was already after submitting credit card statements, bank statements and still they would not verify my funds. They want to hold my money and are not releasing it. I asked them if they could close the account and just mail a check and the answer was NO. I asked if they could send me some type of confirmation email letting me know how many days it would be for my funds to be released since I submitted the documents, and the lady on the phone said theres no way she can send an email. They have already verified my address, text to the phone number I have on file, and so much more. This is ridiculous.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NC)

I recently filed a complaint with the Consumer Financial Protection Bureau against CoreLogic we're not placing a security freeze on my CoreLogic credit file for the second better they are telling me CoreLogic is a reseller of the consumer report information provided by three National Consumer reporting agencies but I know they do play security freezes because I had a security freeze with CoreLogic before. Now I'm filing my second complaint against CoreLogic for not placing a security freeze on my credit file.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (NJ)

I came across XXXX hard inquiries on my XXXX report, which left me feeling confused and concerned. Initially, I thought changes in my credit were due to high balances, but the sudden realization of multiple inquiries around the same time raised red flags. I believe these inquiries should be removed from my credit history and am considering reporting them to address this issue promptly.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

Between XXXX XXXX XXXX an individual named " XXXX XXXX XXXX stole {$1100.00} from my account in various smaller transactions. 
I contacted Fidelity bank through the debit card service number as soon as I noticed the unauthorized activity, which was either on XXXX XXXX XXXX XXXX Despite being assured an investigation was being started, I received no updates for days. 
On XX/XX/2024, I end up receiving two calls from Fidelity bank, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, I was at work and missed the calls. They did not make any other attempt to contact me other than calling that one day. Days later, I received a letter in the mail stating my case would be closed unless I called the provided number. I immediately called but went to voicemail. 
Subsequent attempts to call on XX/XX/XXXX, XXXX, twice on the XXXX, and on the XXXX and days following, going into XXXX consistently went to voicemail. Despite all my efforts, I received no response. In the time between receiving the letter and unknowingly missing the calls, I attempted to contact the bank for an Update through their debit card service number multiple times, a worker told me they couldnt give me any update over the phone but that there was a letter in the mail that should contain information on my case resolution. ( referring to the letter stating my case was being closed ). Due to the lack of response from the number on the letter i resorted to contacting the debit card service number again, I was told to wait due to a backlog in the fraud department. I was told a call back can take up to a week and so I stopped calling, and waited for a call back as advised. I never received any call back. 
It is now XXXX, and there still has been no update on my case. The number still goes to voicemail, and I feel I've reached a dead end.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Our company XXXX XXXX XXXX has a corporate credit card for 3 users. We made a payment to pay off the full balance but found out later that it is not applied towards the 3 cards except once a month. Seeing a balance on one of the cards for {$18000.00}, we made a second payment on XX/XX/ and realized later that we had an overpayment of {$11000.00}. We called Bank of America 5 times to get a refund. On the XXXX call, I was told the refund would go through shortly but it has been 3 weeks since this started and no such refund has been mailed to us. Bank of America National Association has been holding onto our money unjustly and we would like it back. Currently, the balance is- {$9500.00}.
Consumer complaint received 2024-03-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: FISERV INC. (SC)

I called Money Network and they said that my Social Security Number was invalid when it was not. They also said my Card Number was invalid and it was not. Im a XXXX  and Im broke. I need my account opened back and they arent giving me any information.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TX)

XXXX of 2022 I purchased my car from XXXX XXXX I have been paying on time for 2 years and have barely made a dent in the balance I still owe over XXXX the payments go mostly to Interest. I am trying to get a new vehicle and I am upside down cause I will have over XXXX to roll over to the new car loan. This is a 72 month loan and after 2 years I am very positive I will not be done paying n 3 years.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MA)

reported me as deceased for two years and then gave me missed payments while I was still labeled deceased. They also can not tell me What this card was used for and when it was used to have this balance. I asked for the information and they still have not furnished it and still up until a week ago had me as deceased in their records which has caused me declined applications or fair credit rates.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

This follow up was for my previous complaint with regards to the unauthorized inquiries that the Experian and XXXX have not yet addressed. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. 
EXPERIAN : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Again, I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 15 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.
Consumer complaint received 2022-10-05
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: Rocket Mortgage, LLC (MS)

I spoke with a gentleman who is a lender for Rocket Mortgage. 
I explained my auto him and after speaking he advised me to wait a few more months before applying for a mortgage. 
I never authorized a hard pull on my credit by Rocket Mortgage at that time and they pulled it anyways after advising me not to apply and sent me a denial letter for a mortgage I never applied for. 
They told me there was nothing they could do to reverse a hard pull and did not care at all that this affected my credit score. 
Ive also had unauthorized hard pulls from an auto finance company.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

First I checked but in the state of Pennsylvania I see they dont have to give me a 10 day notice prior to repossession, but I never gave the bank consent to give a 3rd party i.e. the tow company my address. There also was a breach of peace because as the tow company was here at my home at on XX/XX/24 at about XXXX, XXXX XXXX of XXXX XXXX PA XXXX I stated to them that I dont consent, that why are they stealing my car, and we went back and forth about it. I told them to put my car down they didnt, so I backed off because Im not going to fight theses guys. I called the police and made a complaint with the XXXX XXXX Police at about XXXX XX/XX/24 and spoke with XXXX, badge # XXXX, explained to them the situation and they stated me to call bank, which I was going to do regardless. I did call the bank and they stated they didnt have my repossession in there system yet, I also explained that it was illegal for them to give a 3rd party my address without my consent and that there was a breach of peace, and the law states that when that happens the tow company needs to stop, disengage and speak to the bank to try to handle This other day or the bank needs to speak to me so we can handle this via arbitration. It also states in the contract that they can peacefully take the vehicle, law prohibited and they didnt, so there was a breach of contract on their behalf. If there was a breach of contract lawfully under UCC and USC if there was a breach of contract BANK OF AMERICA has to do a rescission and if I dont agree and if I do agree they would have to give me my money back.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

XX/XX/2016, I began the process to refinance my personal home 's mortgage with Rabobank. Currently serviced by Rabobank, I started dealing with XXXX XXXX XXXX XXXX at the XXXX, CA branch. I completed my application, provided all supporting documents, and completed the credit check. The bank approved my application and I signed a rate lock at 2.875 % for a 15 year fixed loan locking the rate on XX/XX/2016. Weeks later in trying to correspond with the bank to get the refinance on pace for completion prior to the lock expiring, the loan officer explains to me the the bank no longer wants to offer a 15 year fixed loan to me and the only product I could use was a 10 year ARM amortized over 30 years. Although I did not want an ARM, I said I would go to the ARM if they honored the rate we locked. Later, I was advised that the regional manager in XXXX XXXX 's supervisory chain, XXXX XXXX XXXX did not wish to honor the bank 's rate lock. 
I believe that Rabobanks efforts in not servicing an approved loan, with a signed locked rate, while interest rates are on the rise - is an unethical banking practice. If rates were on the decline, I am sure they would make sure I honored the lock on my side. 
I respectfully request the CFPB investigate this situation with Rabobank and unethical lending practices so it does not happen to others. While honoring what I believed to be a commitment with their bank, I sacrificed precious time when I could have been using another institution to refinance my loan prior to rates going up. I have been asking the manager to help find a resolution, extend me a loan at the agreed upon rate, but without success. After a week of no response, I emailed him requesting an answer and was still promised that he was working it " internally ''. 
Please help.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (GA)

Seen this on my credit report company has no proof that this belongs to me at all. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: YSA ARM LLC DBA Oxygen XL (FL)

XXXX XXXX XXXX XXXX XXXX I paid for the parking on XX/XX/year> and I don't know why I keep receiving letters saying that I owe the amount of XXXX dollars. Please verify this information and if I have to send proof of my payment let me know. Thank u
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Cottonwood Financial Ltd. (IL)

Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.
Consumer complaint received 2017-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Every month the interest gets higher and higher. It 's very hard to fix it, soon i will not be able to afford paying for this loan. This company is currently making students like me in a higher debt than we should be in, because i got an education.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

In accordance with the fair credit reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

I wired {$25000.00} from my checking account at Wells fargo to an account at XXXX XXXX on XX/XX/XXXX. There is a pull-down menu in my WF account of accounts I wire money to and from often and the XXXX XXXX account appeared there. I paid {$25.00} to have the money wired. It was wired to an account at XXXX that is not mine. I did not check the details in the pull down menu as I have used this feature many times and things have gone as requested. My XXXX account details in the pull-down wire menu were replaced by someone else 's details. 

After several days when the money did not appear in my account I called both XXXX and Wells to figure out where it is. XXXX can see it in someone else 's account but can't transfer it to mine or put a hold on it so the person can take it out at any time. I filed an case with Wells Fargo on the XXXX to recall the funds WELLS FARGO CASE NUMBER XXXX The case has gone into a black hole and no one can see any activity on it or ownership of doing anything. I filed a complaint with Wells Fargo on XX/XX/year> with XXXX XXXX in the complaints department. I was told I would receive email record of the complaint. I did not. The money has in the wrong XXXX account for XXXX business days and I have received ZERO communication from Wells Fargo. Nothing about the case, the complaint, the money. At Wells Fargo I have spoken to the wire transfers dept., the online claims dept., the accounts group, the complaints dept. and more. No one can tell me anything and my money is still sitting at risk in someone's XXXX savings account. Yes I should have double checked the receiving account details before I sent the wire but in any case Wells should have the ability to recall my funds and also give me ANY INFORMATION as to whether or not that is happening, who is handling it, when I can expect resolution, a SWIFT number... .anything. I believe that my $ XXXX will never be seen again.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Billing statement — 
Company: REGIONS FINANCIAL CORPORATION (TX)

Statement does not reflect proper credits. Previous statement XXXX/XXXX/2015 balance was {$4200.00} it was short paid {$840.00} due because of an error on XXXX part. Received XXXX/XXXX/2015 statement with a balance due of {$9100.00}. The break down of the charges and credits do not total this amount. Statement shows charges {$7800.00}, late fee of {$1200.00} ( which was an error and is being credited ), a credit for - {$840.00}. This actually totals {$8300.00}. XXXX statement contradicts the statement breakdown.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (TX)

This is a formal complaint that LVNV Funding has been reporting inaccurate and incomplete account information to my credit file. I am distressed that LVNV Funding have included the inaccurate information on my credit profile. LVNV Funding have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report. This account has been paid in full and was told it would be deleted from the XXXX major credit bureaus it reports to. Therefore LVNV Funding should not be reflecting negative on my credit files. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ). Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g Delete this from my report as it is not accurate.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Castle Rock Mortgage, LLC (TN)

I was working with Castle Rock Mortgage company to buy a home we built. We were pre approved with them in XX/XX/XXXX of XXXX. I paid for an appraisal on the house on XX/XX/XXXX. Was told that the appraiser was paid. I ended up having to switch to XXXX XXXX instead. I am trying to close on our house and am having to pay this appraiser again because castle rock has not paid him in over 3 months. I was told that a check was sent in the mail on XXXX XX/XX/XXXX however, when I reached out I was told they would leave a message with XXXX XXXX she handles the checks sent to the appraisers. I contacted her last week and sent an email still have received no information. XXXX XXXX has also been contacting her and they have not been answering.