davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (LA)

I was contacted by someone named XXXX XXXX who said he worked for a company called GE Capital. He said that I had been approved for a {$5000.00} loan, but since my credit score was so low that I would have to pay a {$150.00} fee via XXXX. I went to XXXX and wired the company {$150.00} plus a {$3.00} transaction fee. I was then later informed by XXXX, the accounting clerk that I had to pay an additional {$130.00} fee to process the loan. I wired the company {$130.00} plus a {$3.00} transaction fee. This all occurred on XXXX/XXXX/2015. On XXXX/XXXX/2015, they contacted me again and said the funds could not be transferred into my bank account and I had to pay a {$200.00} transaction fee in order to receive the funds. After going back and forth all day, I told them that i could not see them any additional money and I just wanted my money back. This is when I knew for sure that they were n't a reputable company. The wanted me to go to the pawn shop and pawn my valuables and the so-called manager told me that since I could not come up with the money that, in his words, I should go get " XXXX '' and pay them the fee. I told him that I had morals and any other reputable company would not speak to me in that manner and not charge me upfront fees for a loan. When I asked them to please send me my money back, he stated that he could not send it back.
Consumer complaint received 2024-10-05
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I received a charge to my credit card for {$1900.00} for Texas fortified roofing which was fraudulent. I immediately canceled the card and reported it. I also received an email from XXXX  that was a supposed receipt of my purchase. The next day, I called this roofing company which is located in XXXX, Tx where I do not live. I reached out to this company who were so kind to look into it and said they did not receive the money and had no idea what I was talking about. They are a small local company. They also called and reported fraudulent activity to XXXX, the payment used. The next day on XX/XX/XXXX, I received an email saying XXXX  had linked my card to XXXXXXXX XXXX XXXX but no purchases were made as the card was canceled. I received a credit to my card and was assured it would be investigated. Unfortunately Bank of America did NOT investigate this and instead closed the case and charged my credit card for {$1900.00} because they state the receipt emailed to me was proof I made the purchase. This is not investigating and shame on Bank of America for insulting me with providing a receipt with no signature or anything from me as proof I made the purchase. A simple phone call to the business and a true investigation would have shown it was fraud.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2024-10-02
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. (TX)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-10-02
Product: Credit reporting 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)

Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account XXXX. XXXX XXXX XXXX on XX/XX/XXXX late payment from comenity capital bank / forever XX/XX/XXXX inquiries from XXXX XXXX bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX financial ser XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-02
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. (OH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-10-02
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I was contacted by XXXX XXXX some time back concerning a debt owed to XXXX. I instructed them that I had received class action paperwork as they had no right to collect on me as they are in a class action lawsuit. I have paid them a total of about {$1700.00}, paid consistently on a monthly basis. I am a member of the class action. XXXX is famous for illegal collection practices. The FTC will verify this as well. I am requesting they return my money, cease collection efforts per the XXXX XXXX XXXX, and FTC. Thank you so much
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I was shocked to discover that I have been a victim of identity theft. Several accounts, which I did not authorize or open, were listed on my report. This situation has severely impacted me, especially as I am currently in the process of securing a home for my family. I kindly request the prompt removal of all fraudulent accounts from my credit report to mitigate further harm. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (IL)

XX/XX/XXXXRe : American Express DisputeDear Madam or Sir, I am writing to provide you details about a credit card dispute I am having with American Express about an unauthorized charge made to my account XXXX by XXXX XXXX, XXXX. I am disputing the full charge, {$330.00}, made to my account by this merchant on XXXX. Additionally, I am disputing the foreign transaction charge made to my account by American Express. What follows is the sequence of events relating to these charges : XXXX : I booked a vacation to XXXX XXXX, XXXX XXXX, on my American Express account XXXX, paying for XXXX plane tickets at {$820.00} each and for XXXX down payment to the resort of {$270.00}. The balance of the vacation was to be paid for on my arrival at the resort on XXXX. I authorized no other charges. 
XX/XX/XXXX : American Express allowed my account XXXX to be charged {$330.00} ( plus associated foreign transaction charge ) for an unauthorized transaction by an unauthorized merchant from a third-world country. 
XX/XX/XXXX : I arrived in XXXX XXXX, XXXX XXXX, and paid the resort for the full balance of my trip, not including the {$330.00} charge ( of which I was not aware ), using my XXXX account XXXX ( documentation provided to American Express through website upload ). 
XXXX : I discovered the {$330.00} charge on my card and, not recognizing the charge, immediately filed Dispute XXXX. 
XX/XX/XXXX : I received notification from American Express that the charge was related to my vacation and that my dispute had been closed. I then filed Dispute XXXX, suggesting that the charge was not authorized and providing documentation from American Express and XXXX that I had paid for the trip in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. 
XX/XX/XXXX : I received notification from American Express that the charge would stand, and that I should attempt to work with the merchant to resolve it, thus I filed Dispute XXXX. 
XX/XX/XXXX : I found on American Express ' website that all but {$100.00} of the charge would stand. I was not even sent notice ; instead, I had to call American Express to find this out, at which time I opened a XXXX dispute. 

The XX/XX/XXXX, charge of {$330.00} was not authorized and thus constitutes a theft from me facilitated by American Express. I paid for my stay at the resort in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. The {$330.00} was an amount charged to my account above and beyond what I agreed to pay for the vacation. American Express allowed the charge in error and must resolve this issue with the merchant immediately. I have spent more than XXXX hours of my time trying to resolve this issue with American Express, talking with several of its representatives on the phone, providing multiple documents through its website, etc. I am thus asking for your help to resolve this issue. 

XXXX XXXX
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NH)

On Friday, XX/XX/XXXX I sent a wire transfer online for {$4900.00} to my wedding band. Despite having to verify my identity XXXX times while submitting the transfer, wells fargo flagged the payment as fraud, held the wire, and then locked me out of my online account. I called wells fargo, again verified my identity in multiple ways, and told them that this was not a scam and please release my money. Wells Fargo then said that they would send the wire transfer through but in order to unlock my account I had to go into a branch with a photo ID and have the branch XXXX call them to verify. I don't live within XXXX miles of a branch, as they could have seen with the address listed on my account. When I told them they said that was my only option. Instead of making a XXXX hour round XXXX XXXX to access my own money, I chose to shut down all of my accounts with wells fargo. They told me that the only way to get my money from my accounts was to receive a cashiers check that would arrive in XXXX business days. I worked with the representative to withdraw as much cash as I could through XXXX so I could live while waiting for the cashiers check to arrive. I was told I had XXXX pending items on my account, but those items would clear and no new charges would be added. There was approximately {$300.00} left in the account that should have been sent to me ( I have no way to know the exact number since wells fargo wouldn't let me into my account and they sent me no emails to confirm any of this ). A few days later, I got a notice that the wire transfer they said had gone through was actually canceled. I then panicked knowing my account had been closed and there was no where for this money to go. When I called wells fargo, they said that the wire transfer never existed ( despite me having the confirmation number ) and that when I closed my account a check for {$4300.00} was sent to me. The wire transfer was for {$4900.00} and I still had a positive balance on my account when it closed so where is the rest of my money?! Wells fargo won't send me anything via email and refuses to look into this further because they say the wire transfer never happened.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (NV)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MUST BE DELETED IMIDIETLY, PLEASE DELETE ASAP I HAVE NEVER HAD ANY ACCOUNT LIKE THOSE.
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (MD)

I purchased the car for XXXX. Not sure if it included 11 % finance charge as of XX/XX/XXXX it is now XX/XX/XXXX. I have continued to make payments but brought this issue up with XXXX XXXX and a steel show that I owe {$10000.00} in the car that has the card that has passed its loan agreement, which was XXXX years 75 months and its still showing that I owe {$10000.00}. Ive called multiple times and when I call and they said it was sent to a collection agency which there was no reason for that because Ive never missed the payment payments mightve been late. I deferred some payments to the back of the loan during the pandemic years, which they couldnt tell me accurate information about XXXX and XXXX where they were showing I didnt make a payment at all then all of a sudden after talking with them, they show that I was late every month but every month I make a payment things are not adding up and Ive been calling a calling over the last three years and not getting this matter, result of thats why Im asking for a subsidy
Consumer complaint received 2015-06-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I am writing this on behalf of a very good friend that lost his Spouse 3 yrs ago. after she passed he could not afford the house payment that he has lived in for over 27 yrs. I helped in to work with the original lender but in the middle of the loan modification process they sold the loan to Ocwen Mortgage. We filed all teh loan modification documents with them and we had an offical Loan mod trial period as long as we made the payments for 6 months we woudl be clear for the loan mod. here we are 2 yrs later and the loan mod is still pending, Teh owner is still getting foreclosure letters but when i call and talk with the file manager they keep telling me to just keep paying the loan mode payment as they keep checking to find out why the loan modification isnt going thru. after a yr so far of doing this. ITS STILL UNRESOLVED XXXX/XXXX/2015. the stress it is creating for the owner an dmyslef for helping him stay in his home like I pormised him I will try to do a dn as far as we were told he was when I talked to Ocwen about the loan modification we are doing everythign they have asked us to do. but he is still getting certified mail saying that he needs to pay the rears or they will foreclose. All we want is it to be final at the payment they agreed to and move on with life.
Consumer complaint received 2015-06-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been Hustling to try to get this HAMP modification with BOA sence XXXX, they pull every trick in the book, they are very good at there game, I am extreamily tired, they are winning this battle to foreclose on my home because the CFPB are not making them play by the rules, they say they sent me a HAMP modification in XXXX, it had the partners name ( XXXX XXXX ) on every page, like he was applying for the modification as well, we split up in XXXX, I had him arrested for XXXX & XXXX to XXXX me as well.every time they send me anything at all it says Dear XXXX XXXX XXXX and XXXX XXXX.They have a capy or XXXX copies of the Special waranty Deed from XXXX county court house, signed by him too. The payment was already late when they sent me the payment book. 
When is this ever going to end.I must have a home not a apartment to keep visitations with my son who is XXXX, Please Help. XXXX tell me what I can do, Im tired but will never stio fighting to keep my home.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (VA)

I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. 
and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. 
MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

In XXXX of XXXX  after submitting multiple XXXX forms I finally got an accurate count to show that my payments for my forgiveness were over the amount needed. I was informed my loans would be forgiven but it would be in waves. They were not all cleared out during the pause but I was put on forbearance. I spoke with Mohela reps 3-4 times during the pause and all told me I was definitely forgiven and they would all be cleared by the time my forbearance would end in XXXX. My payments are now set to be due on XXXX. I spoke with mohela reps and they said on their end they all show they should be forgiven and to call XXXX. I spoke with XXXX and they said to call Mohela back because they have no idea when theyll be cleared so they need to extend my forbearance. I have not been able to get anyone from Mohela on the phone. The wait time is over an hour. Twice out of ~5 times I was given the option to get a call back but the calls went to my voicemail. I havent been able to get anyone on the phone to extend the forbearance. I am already over my allotted payments so technically at this point I am owed money, but now I need to start paying again?