davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021 I was emailing with XXXX XXXX ( XXXX XXXX XXXX ) about a refinishing job. This email thread had been started a few days before that. I wanted to move forward with the downpayment and ( presumably ) XXXX wrote back with payment options. I chose XXXX and XXXX wrote back with the email address to use for the transfer. Using the email provided ( in the email thread that had been used for days ) I transferred money ( {$1800.00} ) on my Bank of America account using XXXX transfer. 

After the transfer, I contacted XXXX to let him know I had transferred him money. XXXX said, strangely, that he hadn't received the money yet. I thought maybe it could take a little time. The next morning on XX/XX/XXXX I called Bank of America to let them know the recipient had not received the money. They told me that the money had successfully been transferred to an account at XXXX XXXX I called XXXX and he told me that makes no sense because he does not use XXXX XXXX. At that point we both looked at the email thread we had been using and realized I had emails in the thread that he had not sent. From my point of view, it looks like someone hacked into the email thread to give a false account to transfer the money to. 

I filed a claim with Bank of America, a claim with XXXX, and also filed a police report on the matter as per Bank of America 's request. At this point, Bank of America has not accepted my claim because they said I willingly sent money from my account. I feel really stuck on what to do now. I have asked Bank of America to open the claim again but they have also not asked to look at my emails or speak to XXXX XXXX who has said he is willing to share anything to help me get my money back. Bank of America says the only way I can get my money back is if XXXX XXXX agrees to investigate or give me it back themselves. 

I have attached the emails the hacker/fraud person started emailing me from this email on ( you can see if you scroll that then they have tried to contact me more since the transfer ) : Initial email that XXXX confirmed was not sent by him : XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX to XXXX Hello! Please don't forget 50 % deposit has to be paid asap and balance after the completion. The payment method is via XXXX, XXXX, Direct Deposit or ACH, Let me know which payment method is fine with you, I will send the details. 

Sent from my XXXX XXXX after the transfer the emails continued : XXXX XXXX XXXX Thu, XX/XX/2021 at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX why do you forward this again? 

[ Quoted text hidden ] XXXX XXXX XXXX Wed, XX/XX/2021 at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX Hello
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (VA)

This debt is from XXXX XXXX of XXXX XXXX XXXX daughter signed up for the online high school in XXXX. It said in the agreement if you complete less than 50 % of the program ( that was paid monthly ) and cancel you will not have to pay anymore and entitles to a refund. She completed only 10 % of the entire program and decided to go back to public high school and they charged us for the entire cost. It's been five years and they have not refunded but put the account in collections and after 5 years. We should not have to pay for what what she did not use. 
I got a certificate from them in XXXX under the career school and paid in full. They used my information to attach to my daughter 's account to report a collection. She was XXXX at the time she signed up and they took advantage of her situation.
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH AFNI, INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (CA)

Hi there, The transaction was happened on XX/XX/2021, the purchased was on XXXX XXXX XXXX  and the ONLY payment method is PayPal. My wife ask me to purchase a 1 x XXXX XXXX XXXX XXXX - XXXX  ( a81 ) = {$89.00} but when I checkout via PayPal I realize it is totally a FRAUD website cuz the payee called and the email associated with this person on PayPal is XXXX. This definitely not the REAL XXXX. 

I already try to send an email to them but it turns out the email doesn't exist : ) The funny thing is I filed a dispute on PayPal and the payee provide a USPS tracking to prove they did send something to me then PayPal denied my dispute. What a joke. 

1. The tracking number is XXXX and you told me a Stroller can be delivered in a mailbox????????? I even didn't receive anything at all. 

2. I already provide the information to you, it is very very very clear that this payee create a phishing website and you still continue to allow this payee to got pay via PayPal? shame one you.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Applied for a Capital One XXXX XXXX XXXX on XX/XX/XXXX. Received a letter dated XX/XX/XXXX indicating the need to unfreeze one or more credit bureaus so Capital One could obtain my credit reports. Unfroze my credit and called Capital One to reprocess my credit application on XX/XX/XXXX. Capital One then sent email request to provide additional documents to verify my identity. Provided documents requested via the Capital One secure portal within 2 hours of the request. Called to follow up later the same day ( XX/XX/XXXX ) and the representative confirmed receipt of documents. Received letter dated XX/XX/XXXX that my application submitted was incomplete or can not be verified. Contacted customer care who confirmed the documents provided were complete. I spoke with XXXX, a supervisor at XXXX XXXX on XX/XX/XXXX in the verification department at Capital One who promised me a follow up within 24 to 48 hours. After waiting more than 48 hours, I am submitting this complaint. 

At this point, I have provided all documents requested of me and have flawless credit. Capital One has no reason to deny my request for a relationship. 

XXXX ID : XXXX
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I opened a chase checking account and mobile deposited a {$1800.00} check from Texas Rent Relief Program. On the XXXX of XXXX I opened another checking account and deposited a second check from TRRP for {$4500.00}. I opened two accounts because each account has a XXXX limit on mobile deposits. I had no problems with the {$1800.00} check as they made it available once cleared. 
On the XXXX of XXXX they have restricted the account with the {$4500.00} check due to suspicious activity. The check has cleared and is no doubt good. They said they need to verify the check. I've had 3way calls 2 separate times with chase and someone from TRRP to help verify this and they still have my account frozen. Not only the XXXX one but now they froze the other account too. I have no access to funds. The last thing a chase employee told me was there was nothing I can do about it. Amd no one can help me.
Consumer complaint received 2021-10-04
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: VW Credit, Inc (CA)

I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error on my credit file.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I unlocked my experian XX/XX/XXXX and I removed the fraud alert in XXXX of XXXX. I am trying to apply for credit cards, personal loan, auto loan, and a business loan. Im being denied because these creditors are saying the same thing, no credit score available or no credit report available! I want this issue fixed immediately or I am suing Experian. First, they sent out block messages to my creditors saying my new address was fraudulent, but didnt even verify if I moved or not. So result of that, I lost 4 credit cards!!! I am extremely irate! My credit score is XXXX but creditors cant see my score or my credit report! Why????!!!!!
Consumer complaint received 2021-10-04
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. (CA)

i have written this company transunion about a negative remark that appears in my credit file, about one negative mark in my files. they are the only credit company reporting this. i have written for over a year asking for validation, they write me back, saying they have verified it, which is entirely not the same. I have written the governor here in California as well. Validation is by a real human being with a process and signature, not by a XXXX  robot, making harmful decisions, that affect real human beings. I'm not sure how or how the american people allow this, a world where we never interact with a human, robots telling us what to do. I would please like you to send this to the company and where is the validation, documents process, human being i asked for, thanks
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (TX)

I have an account with SELF FINANCIAL INCXXXX XXXX  with the Account # XXXX. This account inaccurately reported late payments from my credit report in XXXX, XXXX and XXXX. I never received a mailed statement where it indicates I was overdue. If I received a mailed statement I would probably make a payment immediately. This creditor violated 15 USC 1666B this is a billing error and paid as agreed on time.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

( No subject ) [ Draft ] This message hasn't been sent.

Saved on : Mon XX/XX/2022 XXXX AM This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills and the original creditor has my correct mailing address.
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I spoke to an agent and let them know that my wife has lost her job around XX/XX/2020, around the time XXXX said that those who were not able to pay should contact their company ( mine being PennyMac ). I spoke with the agent letting them know that I would not be able to make the payment because I had to take care of my family since I was the only one who had any income at the time. I said I would not be able to pay until my wife got a job and had additional income, when I spoke to the agent and told them this they accepted. I had applied for forbearance and was approved. I had already paid for XX/XX/2020 did not pay XX/XX/2020, XX/XX/2020, or XX/XX/2020. I finally was able to get money to start paying again in XXXX so I called PennyMac again and told them that I would pay, the agent told me not to pay because I had to sign and notarize some paperwork, I did that and sent it back. When the agent received the paperwork the agent called me and asked if I wanted to pay the full amount upfront that I missed or if I wanted to pay at the end of my mortgage which meant that instead of 30 years it would be extended to 30 years 4 months for the missed months. Since I did not have the funds for the full amount I selected the end of mortgage option. The agent accepted and took the payment. I went ahead and made my payments after that I saw the normal price and an additional one which I found out was a lien on my home at a later date. I was in the process of refinancing my home and someone explained to me that I had a lien placed by HUD for about XXXX on the home that I was not fully aware of. On top of that, I am being charged a daily interest of XXXX per day on the home to pay it off before refinancing. When I refinanced with PennyMac before my cost was around {$100000.00} after paying for about 2 and a half years the cost has gone up past XXXX and I do not think that is right for me to be charged all this money unnecessarily when I spoke to the agent and had the understanding that the missed payments would extend my loan period by 4 months. How did I end up with a lien? Now I'm being overly charged just to try and leave this company. I am still dealing with the effects of the pandemic and this is not making life any easier. Not when I have done everything I can to not get myself into a more financial bind.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (TN)

My Navy Federal Credit Union account was hacked in XX/XX/XXXX. A {$4900.00} cash advance was taken via my Visa, and that a d other monies were taken from my checking and savings accounts. Some of the stolen money was moved to an account someone opened in my name in another bank. NFCU caught the charges and called me at home to see if I had authorized the transaction. I had not. They said it was done on a XXXX XXXX Tab from Virginia. I have never been in Virginia, have never used a mobile device for banking, and have never taken a cash advance, nor have I borrowed any money since XXXX. I told them so, and we spent two hours resetting all my accounts with them.

NFCU later told me they were holding me liable for the original cash advance, as the money was sent to me, and that I had somehow profited from the theft. I appealed, but nothing was changed. I appealed again, and still no change. They started charging me interest, then took money from my checking account without my knowledge. I have always paid my account in full each month, so I owed them nothing. I told them in writing that the charge was not mine and I had no intention of paying it.

The {$5000.00} balance appeared on my credit report so I disputed it with Experian. NFCU said they were investigating, but they were not. NFCU then took my entire 21-year history off my credit report -- checking, savings, credit, and investment accounts were all completely gone!

Then NFCU started calling me harassing me about paying this overdue account. Every time they called, at least weekly, I told them this is not my bill and I have no intention of ever paying it. I took all the money from my checking and savings accounts so they wouldn't steal any more from me.

There is an account linked to mine for someone I don't know.

Money went through a clearinghouse in South Dakota, but I don't have the numbers to trace it further.

If NFCU had done any sort of investigation they would have discovered all this and more ; I could not have done any of the transactions. I was at home with no internet access or cell phone service when it happened! 
I need my credit report information restored, the fraudulent activity purged from my accounts, and the money returned that they took. I have had no income since XXXX, and can not afford to lose what little I have. That was also my only credit card account, which I can no longer use.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

received a call from one of capital one employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that capital one will notify each credit bureau to removed the account from my credit report I have been dealing with capital one since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck
Consumer complaint received 2021-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (TX)

You are the collection agency and you want me to fill out an identity theft form and send you a police report a copy of my ID my social security number and the utility bill. I am not about to send you all of my accurate information for you to have on record and use against me for an inaccurate account that I am currently disputing. I sent you the utility bill which shows that I was clearly living somewhere else well before this account charged off and had a different utility company. You have what you need to remove this inaccurate information from my credit report it is your job to find out who the account belongs to or who put it in my name not mine. You have not complied with the federal law because you sent me a statement as validation of the debt and that does not prove that I owe the debt because I don't owe the debt it only proves there is a balance. THIS ACCOUNT IS NOT MINE I WAS NOT AT THAT LOCATION DID NOT LIVE THERE AND PROVIDED PROOF THAT I WAS ELSEWHERE WITHIN THE SAME TIMEFRAME THAT IS ON THE SUPPOSED PROOF YOU SENT ME! PLUS 2 MONTHS PRIOR WHICH FURTHER PROVES THIS IS NOT MY ACCOUNT! REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IT IS INACCURATE! AND YOU ARE ILLEGALLY REPORTING TO MY CREDIT REPORT! Please resolve this issue because if I have to take further action and look into legal aid I will just have to do that at this point. I have tried to resolve it with you guys and you keep trying to beat around the bush on the absolute facts and proof I am giving you!