davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was a victim of bank wire fraud in my bank of America account. I immediately realized I was being scammed and called bank to freeze account, recover and investigate to recover funds. Did this within 20 minutes of reaizing I was scammed and provided all information for the report and investigation. Claim # XXXX. 

I provided cell phone XXXX  associated with the scam and all informationas to occurence. It took days for BOA to reespond and send letter to me to autohorize investigation to XXXX where the wire transfer went from my bank. I did not recieve any follow-up information for weeks then I called on XX/XX/XXXX to the fraud department and was told that he was reading notes and that I could expect my funds to be redeopited into my acocunt by XXXX  XX/XX/XXXX or XXXX. I then received a form letter from BOA on XX/XX/XXXX stating that my invesigation was clossed and Bank of america was unsuccessful in recovery my funds and investigation closed. I then called the same number to fraud departmentr back this morning and was told that yes the investigation was closed and funds will not be returned to me as it was a scam and not deemed fraud by BOA. They also deied that I spoke to anyone there yesterday and was told that I would be receiving money back from the investigation but stated they would follow-up with that individual but the invesitagtion is closed and nothing more they will do. They also proceeded to tell me that it does not matter that I have banked with them for 21 plus years and preferred member I caused the scam by being tricked into providing personal imformation that caused the scam not fraud. I find this completely unaccpetable as a consumer that I have no protection from my bank on a scam where they had my banking information and pretended to be BOA and scammed me out of {$3000.00} from my persoanl acocunt. Why is my money not protected and why does the bank see it as my fault and has no accountability financially for my money that was stolen thru them
Consumer complaint received 2023-05-08
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

wanted to open a sole proprietor business account so i went online to wells fargo and viewed what documents i needed. i also checked the XXXX XXXX county recorders office for how to aquire a XXXX. since i was using my full legal name in XXXX XXXX   name i was not required to file a XXXX with california. Also on wells fargos website their corporat policy states that if i was using my " full legal name '' in my company name that i was not reqquired to have a XXXX. My wife made the apointment, we went to the bank and was denied for that purpose. i called the bank and spoke to the business part and they checked with a supervisor and they stated i should have no problem opening one because that is there policy. we went back to the bankand spoke to the manager and she explained that the reason is because of the area we live in. that there is a lot of fraud. so i told her " so if i went to XXXX XXXX would i have a problem ''?? that was the explanation. so i XXXX  a complaint and someone took my information over a phone call. his name is XXXX XXXX. he was suppose to call me in 1 week but didnt. we complained again on XXXX and someone called me. her name is XXXX XXXX. she said XXXX sent me a email. i never recieved one. i calle dhim several times asking him to resend but no luck, i feel that we are being discriminated against for the area we live in, according to the bank manager. my wife and i did all our duedilegence to comly with what we need to start this XXXX. wells fargo either needs to change thir policy or uphold their policy.
Consumer complaint received 2021-01-02
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: CBC Companies, Inc. (FL)

I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. 
An FTC report has been summited and is attach to this complaint.
Consumer complaint received 2022-12-12
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: National Consumer Telecom & Utilities Exchange, Inc. (AZ)

NCTUE claimed they could not open the file I submitted via CFPB and requested I email a copy of the dispute even though I had physically mailed in a copy of my dispute letter via USPS. NCTUE claimed I did not respond to them and closed my previous CFPB dispute. However, I had previously informed NCTUE representative via phone that a physical dispute letter was mailed in. Furthermore, I responded to the email request by NCTUE notifying them of this once again and recieved a " XXXX XXXX '' email in response. The disputed account ( s ) remain on my report and are inaccurate, incomplete and are not mine. I am once again including a copy of the disputed accounts in this complaint and have sent via email a copy of original disputed account and will include disputed accounts in this complaint. I am attaching proof of my claims above. This is my final attempt to get NCTUE to investigate and DELETE the inaccurate tradelines from my consumer file before taking legal steps to rectify the damage they are causing to my reputation.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-09-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Good Morning ; Hi and 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 the 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 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

hi This is XXXX XXXX! I have several issues with XXXX  and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying XXXX XXXX XXXX XXXX, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but CitiBank, XXXX, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.
Consumer complaint received 2024-11-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (LA)

On XX/XX/year>, my Mortgage company, Newrez, discovered a surplus in my escrow account of {$4300.00}. Of my understanding is correct 12 CFR 1024.17 states that any discovered surplus must be dispersed within 30 days. 

On XX/XX/year>, I received my statement and it showed {$4300.00} removed from my escrow account however I had not received it yet. 

On XX/XX/year>, I called and spoke with Newrez. The women I spoke with told me the surplus would be transferred to my checking account by XX/XX/year>. 

On XX/XX/year>, I called Newrez again because I had not received the surplus. This time I informed them of 12 CFR 1024.17 and reminded them it was three weeks past the 30 day limit. The gentlemen told me I would revive the surplus in 24-48 hours. This was 4 days ago and I still havent received it.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (LA)

I HAVE SENT 2 LETTERS TO RECEIVEABLES PERFORMANCE MANAGEMENT, LLC : ( XX/XX/2020 XXXX ) AND THEY HAVENT RESPONDED TO NEITHER OF THEM AND ITS STILL REPORTING NEGATIVE WITH THE CRAs. THEY HAD 30 DAYS TO NOTIFY ME OF THE INITIAL COMMUNICATION BUT DIDN'T AND NOW ITS A VIOLATION OF MY RIGHTS.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NM)

Paypal uses a verification process that has effectively locked me out of my account. In this account are banking account and credit card information.

This verification process relies on one thing and one thing only : sending a text ( sms ) message with the code to the primary phone number on the account. My phone on record does not accept sms/text messages.

I have contacted the company several times and been told that there is no technical support owing to the Pandemic and that they can not help me and maybe it is a problem with the phone company. These are not accurate statements from Paypal, and there seems to be no way to communicate with Paypal to get them to see the issue for what it is and what else could be instead of what they have created. What is more is that where I have 2-step authentication in play, Paypal
is not using that information on record to provide verification codes -- and it is not an option. In fact, Paypal does not provide another option besides their one and only way : primary phone number on record. 

Banking institutions that provide online services, such as XXXX, and other account providers, such as XXXX, have evolved and use and industry standard that offers 3 options and for the customer to be able to select each time they want to do a verification code process for security : Via text, via phone call, and via email -- all using customer  data on record. If Paypal had used these already, I would be able to get into my account already ; and I have been locked out for months with no way to get into my account that Paypal customer service people could provide. 

This same verification process is required to reset the password on my account. I am greatly concerned that I have no way to log into my account they way they have set-up their security verification process, and therefore I can not monitor or view anything going on with my account until they alter their way of providing verification. This is not tollerable, and I've seen other customers have complained online as well. 

This complaint is to use this process to get Paypal to deal with this issue that they have caused and has locked me out of my account that contains my personal financial data. In addition, Paypal requires a person to log in to chat, and makes contacting a live person extremely difficult. These processes in place now at Paypal can not stand as they have financial information and must be held to a higher level of accountability given the impact to customers like me!
Consumer complaint received 2022-08-08
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (CA)

On XX/XX/XXXX I received notice by mail that I was granted both an Administrative Forbearance with a begin date of XX/XX/XXXX, and General/Temporary Hardship Forbearance with a begin date of XX/XX/XXXX, and I was also told by phone that my loan was granted deferment. As of today my loan has not been reported to the credit reporting agencies correctly. It still shows late payments on my loan and I have written AES to address this and made numerous phone calls without any progress. I am going to send a copy of my forbearance results along with the portion of 15 USC 1681 that states having these missed payments on my report is incorrect.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Content of the Complain to CFPB : In the name of my company, I have had a business checking account for over 25 years with Wells Fargo Bank. 
On and about XX/XX/2022, I found out that {$1000.00} was stolen from our business checking account with Wells Fargo Bank. I immediately called the Wells Fargo Bank Customer Service and requested to return the {$1000.00} amount back to my account. The Bank opened a case and they stated they will look into and do their best to return it back to our ending XXXX. 
The {$1000.00} was stolen from my account via " XXXX ' Transfer to a false name of XXXX XXXX. 
After some time, I received a very INSULTING letter from the Wells Fargo Bank stating that transfer was authorized. I immediately called the Customer Service of the Wells Fargo Bank and complained requesting who authorized that transfer. Even by insulating me saying that it might be you that authorized the transfer. Wells Fargo opened three cases which I have theses case Numbers XXXX and XXXX and many other cases as such all useless with no results. 
I bring to the CFPB attention the following : 1- Wells Fargo Bank as they have been licensed by the US Federal Government have completely failed to protect my funds.

2- Their line of reasoning is not acceptable, and they have failed to protect my funds.

3- Wells Fargo Bank holds all my passwords and secret information. They cooperate with the XXXX XXXX institution which I never knew about and never used them. 
4- I request the proper department of the CFPB to investigate the matter and bring a criminal case against Wells Fargo Bank to allow my funds to be taken away from my account. 
Please review my case and advise me how to recover my stolen the amount {$1000.00} from those people in Wells Fargo Bank that they are supposed to protect my money from being stolen and they failed to do so. 
Thank you for your attention. 
Sincerely yours, XXXX XXXX XXXX - Principal Manager XXXX XXXX XXXX  Email : XXXX Phone : ( XXXX ) XXXX I need the stolen {$1000.00} that Wells Fargo did not protect returned to my account.
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (FL)

There are 20 accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account Account Name : XXXX - BANKCARD Account Number : XXXX Reason : This is not my account Account Name : XXXX PERSONAL MA Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX CARD SER Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account