davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (MD)

I had a bankruptcy discharge in XXXX ; we're now in XXXX. I've been attempting to reestablish my relationship with Navy Federal credit union who was one of the creditors they have consistently denied me for regular credit cards, secure credit cards, any VA home loan. The reasoning on every correspondence stated " there is a loss associated with your Navy Federal account. '' I have credit cards with every major carrier. I've been preapproved for a VA mortgage with multiple carriers. I would like to reestablish my relationship with Navy Federal, but they are not giving me the opportunity, and they're not being fair in the process. Attached shows credit score as well as other factors. They're not denying me because of credit or my current credit history ; they are denying me based on one event that happened almost 15 years ago.
Consumer complaint received 2024-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint piggybacks on prior complaint I filed here on XX/XX/XXXX. I received XXXX letters from BofA telling to call them right away as they wanted to assist me in bringing my account current. So I called BofA NUMEROUS times today, and I spoke with XXXX different customer relationship managers, XXXX XXXX and XXXX XXXX and both of them told me that they could not speak with me anymore because my account is in litigation. The thing is that if I don't take care of my account BEFORE XX/XX/1924, all hope is lost and I will be out of on the streets. I am XXXX and XXXX. I won't survive the streets. Please help.
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

California Business Bureau , Inc sent a validation letter with the wrong amount due. On XXXX credit agency the debt states {$960.00}, but on the letter they tried to charge me {$1300.00}. Further more, The letter did not mention that I had 30-days to respond to it nor did it give me an end date to respond by. Additionally, the letter did not provide any actual proof that I was the debtor. I have attached the letter.
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

Mohela is currently going through a servicing platform update. They have been very clear that they would be doing this update and transferring the webiste/service that handles student loan repayment. That communication was very clear. They made it sound like the platform/service update would take a reasonable time and then it would be fixed. That has not been the case. 

While my account is being " transferred '' to their new service, there is no possible way to pay my monthly amount nor see any status about my loans. I have called and the customer service reps explain that even they can not see or interact with my account at this time. All they can do is confirm that I have an account with them and that the account is currently " in progress '' of switching to Mohela 's new service platform. 

My concern is that I know I have a payment that is due but no way to make such payment which could cause penalties to me in more ways than one. No to mention that the longer this drags on the more interest I am being charged. Mohela has not stated anything about not charging interest or not reporting late payment to credit bureaus if they take forever in this " platform update ''. I should always have the capability to view my account and pay my bills but I suppose Mohela doesn't quite agree.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

this Company has over 7 diffrent variations of my name, they have old and outdated addresses, jobs, phone numbers this company is also reporting personal private information without written consent according to Title 15 USC 1681 Permissible purpose ( ie ) there is XXXX XXXX XXXX XXXX  that were deleted from my XXXX XXXX Credit file because they were proved fraudulent from the ( XXXX XXXX XXXX XXXX ) but this company is still reporting this false information, which is a violation of the Metro 2 Guidelines as well as the permissible Purpose Law, unless they can produce a written consent form
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from Wells Fargo. I did not authorize any wire transfer, someone had hacked my account and even my phone. I took my phone in and had it looked at because I wasn't receiving any calls, all calls were being forwarded to an unknown number. XXXX XXXX stated that that it was hacked and they had to reset phone and change my account number.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or about XX/XX/XXXX my family fell victim to fraud what I thought was a small business loan ended up costing me everything. A check was deposited for {$2400.00} and 2 ach disputes were done for previous months mortgages. USAAs fraud department stated that they had occurred in XXXX via my wifes login information. The money was then moved out via my personal cash app. I was ultimately held responsible for these transactions but no one can answer how it was a check was deposited and 2 ach disputes were done within 7-10 mins the disputes were {$1800.00} a piece. No one has stated who authorized them from the bank no one has given any information as to what security measures were taken to stop this. No one has said how it was that the debit card limit was increased also during said time period to allow these transactions to happen. Fraud department said I helped move the money so I am liable for everything which is funny cause the bank allowed the deposit to occur the bank allowed the disputes which usually take 24-72hrs to happen in mins. The bank also has yet to say how it is that they were able to do this without verification and or authentication. Which is what you would have to do even if you called in have your PIN code and so on. No one is answering anything, I paid the {$2400.00} for the bad check and the {$3700.00} for the 2 mortgages and the {$4300.00} that was taken out and no one can tell me why a person who was deemed responsible for this would do something like that. Theyre fraud department found that the account wasnt hacked or taken hostly but cant answer questions about the IP Address where these took place and or how it is a check that theyre fraud department deemed fake within minutes was processed within mins.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

My venmo account was frozen on XXXX I've had an account with them for 8+ years. I immediately responded with a photo of my ID as asked. I've contacted them twice now being told the issue has been escalated but nothing more. I have {$950.00} in cash on it and currently a little over XXXX in crypto. Most of that crypto was recently transferred to me via XXXXXXXX  after a very long wait due to them going bankrupt and finally returning my funds to me giving me the option to receive them in venmo or PayPal. Not sure if that's what got me flagged as that was received XX/XX/XXXX but needless to say after waiting we'll over a year of that crypto being in limbo and finally receiving it the last thing I expected was for it to be now unavailable again. I read online there may be recourse with this agency to remedy the situation somehow.
Consumer complaint received 2024-04-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

The company Is Columbia debt recovery the same as Genesis? 
In XXXX XXXX XXXXXXXX I filed XX/XX/XXXX bankruptcy which included collections from Genesis that were discharged in XX/XX/2022 and included the same company-renew apartments that Columbia debt recovery is attempting to collect.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of fraudulent information reporting and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiries with FTC report number XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several inquires on my credit report that I did not authorize.However I felt it wise to send a letter, opting out of any and all consent to all the companies in the following attachments. As a result, Transunion needs to remove all inquires in the following attachments from my credit report immediately.
Consumer complaint received 2023-08-17
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: Bread Financial Holdings, Inc. (CA)

In accordance with Fair credit act this creditor ( XXXX XXXX Bank XXXX has violated my rights. Under 15 US c 1681 section 602 states I have a right to privacy. 15 US c 1681 section 604 ( a ) section 2 it also states that consumer reporting agencies can not furnish an account without my written instruction. Under 15 US c 1666 b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX & Experian are incorrectly reporting the account XXXX XXXX  Account # XXXX it is listed as a charge off on my consumer report. Any account that is terminated by a creditor must be refunded to the consumer within 7 days so I am requesting the information they used to determine that this information is correct. Consumer agencies does not have access to private financial records so I know this account has not been validated.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear CFPB, Transunion and XXXX have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given Transunion or XXXX consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my Transunion Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. Transunion and XXXX did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. TransUnion is not maintaining reasonable procedures.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

15 USC 1681s Unlawful Release of Consumer Report without consumer consent Dear CFPB, Transunion and XXXX have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given Transunion or XXXX consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my Transunion Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. Transunion and XXXX did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. TransUnion is not maintaining reasonable procedures.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Subject : Notice 15 USC 1681s INCORRECT NAME ON CONSUMER REPORT Dear CFPB, Transunion is intentionally reporting incorrect name under my consumer report. Despite multiple notices and requests to correct this information. 15 U.S.C 1681s2 ( A ) ( 1 ) A states 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. 15U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion Consumer Relations is not maintaining reasonable procedures.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I paid the balance in full via the Bank Of America pay by phone system to Bank of America. To my shock and dismay I received a bill charging me a {$28.00} " late pay '' bill. When I called to question and resolve the error I was treated like a " debtor '' instead of a paying customer who had paid their balance in full. I spoke to numerous so called " account managers '', who repeatedly said they would like to assist me but the only way they could waive the erroneous fee was to pay it and then to call the day after XXXX XXXX day as it was the holiday weekend that this all took place, and then they would reverse the payment and restore the {$28.00} to my bank account on file. This went on for three days as I called and was told to call back, was provided false phone numbers that just rang and no one answered. Finally, I was transferred to a " collections manager '' who told me the same thing, pay the fee and call back after XX/XX/XXXX and the person I spoke to would see her notes and return the fee to my bank. I was skeptical but also exhausted over this ordeal that I did pay it with her over the phone and it went through my bank the following day. On XX/XX/XXXX I did call but the number she provided me was fake. I finally did call the main number was transferred to another manager who said she saw the notes but refused to return my funds. I contacted my bank and they advised this was a violation under UDAAP and due to the fact that I was given false and deceptive and abusive treatment by Bank of America and it's agents or representatives and they reversed the payment to Bank of America. Now Bank of America is trying to bill me for that " late fee '' multiple times over even though I paid my balance in full on time and I have proof of all payments made since their automated assistant sent me the proof in the mail
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My debit card was compromised. I filed a dispute. I emailed the company that was responsible for the charges. The company stated " as the orders have been processed, we are unable to process a refund. Please reach out to your financial institution to file a dispute regarding these transactions actions. We have also notated in our systems that these transactions were not authorized by you '. However my claim was still denied.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I on XX/XX/2024 I sent a letter to LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report. However it's now XX/XX/2024 and they have yet to honor my request nor have they produced the documents I asked for. I don't owe this company anything, nor have they validated this misleading information. The account was then sold to LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES. Please have LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. If they refuse to do so, I will be taking legal action against them. Permanently Delete this account from my credit report! Thank you for your Time.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

reported inaccurate information regarding me noted below : Addresses XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX unit Reason : I have no knowledge of such addresses XXXX XXXX XXXX XXXX XXXX : incorrect name Employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I don't know this employer
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Driveway Finance Corporation (FL)

A vehicle I had with this company was repoed 4 months ago because I was unable to afford it because of the interest. However since the vehicle had been taken 4 months ago they have no yet sent it auction to settle the account and continue to let it devalue before they sell it. Additionally they are continuing to charge me late fees and penaltys even though they have and had possession of the vehicle for 4 months. This is unethical and out if control.