davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I attempted to send my son {$300.00} on XX/XX/2022 using Cash App. I got an error message when I went to complete the transaction. I saw that it did debit my bank account so I contacted my son to see if he got it. He did not. I contacted cash app who told me there was an error & it should fall off from pending. It did not. I filed a dispute with my bank and cash app responded that there was 2 transactions. Both my sons history and my history show only 1 transaction in the amount of {$300.00}, but cash app debited 2 charges for the same amount from my bank. I tried to talk to cash app, spoke to several reps who all refused to help me and just kept talking in circles without any acknowledgment of a problem occurring. My son contacted them and they told him he received 2 payments of XXXX, when his transaction history only shows 1. So now there is 2 debits from my bank account for {$300.00}, there should only be 1, and Cash App refuses to return the failed payment that did not send but was debited from my account.
Consumer complaint received 2023-11-21
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HomeTown Lenders, LLC (FL)

I received a tax bill in the mail, and it was not marked " to be paid from escrow '' which it should be. I attempted to contact my mortgage company - HomeTown Lenders , Inc. First I emailed them the issue, with a copy of tax bill, and when I didn't hear back, I tried calling, their phone was out of service, I tried to contact the local broker, and he also never returned calls/email/text messages. Today, XXXX XXXX, I once again went to reach out about tax bill, as well as to pay my mortgage payment due XXXX XXXX, and the HomeTown Lenders website hometownlenders.com / XXXX has been suspended. I again tried every phone number I had for them and all are disconnected or out of service. Tried once more to contact local broker still no response. I am not sure what to do now - I have no place to make a payment and do not want to be late .... 

Looking online, HomeTown Lenders seems to be out of business, I have had no contact from them since XXXX.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The issue is that I have been a victim of identity theft. My information was utilized without my consent and authorization to open several fraudulent accounts, and one of them was with Bank of America. When I discovered that a lawsuit had been filed against my name and a judgment had been placed against my name, I was worried. So I obtained the court documents, contacted the plaintiffs and their attorneys, XXXX and XXXX, and informed them that they had the incorrect person because I never had a Bank of America account. I asked them to check the records properly because I have not been their customer, and the account they are attempting to collect on is fraudulent. Any account subjected to fraud and identity theft can not be collected. However, they ignored my request and told me if I was an identity theft victim, then I should have filed a police report instead of calling them. Before I contacted them, I had already filed a police report with the XXXX XXXX Police Department. I have the DR number and will provide it in the end. However, my story doesnt end here. I contacted XXXX and XXXX, and respectfully, I requested them to send me the record of the application that was filed with the account during the opening stages of the account. However, XXXX & XXXX and Bank of America did not comply with my request ; they sent me a couple of statements with the account number on them and the wrong information. I say the wrong information because the statements I sent contained incorrect information. The address on every statement was incorrect and was addressed elsewhere. That raised a red flag and made me look further at the lawsuit documents to ensure what kind of address XXXX & XXXX had when filing this suit. I discovered that XXXX & XXXX also had inaccurate address information, which was why I was never served with a lawsuit. 
Nonetheless, I have attempted to find an agreeable resolution with Bank of America and XXXX & XXXX. I acted in good faith throughout the entire time when contacting them. I even offered them a reasonable settlement so we could remove this fraudulent account and the derogatory lawsuit could be dismissed as soon as possible. However, they continuously act in bad faith and do not consider attempting to resolve the issue. 
The police report number is DR XXXX.
Consumer complaint received 2023-08-16
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: Resurgent Capital Services L.P. (IL)

Hello I was incarcerated when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and god bless
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to address this matter, I am disheartened to find myself addressing it for the fourteenth time. 

The repeated failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-18
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. (TX)

I am writing to file a formal dispute regarding the unauthorized reporting of my educational record by XXXX to consumer reporting agencies ( CRAs ) XXXX, TransUnion, and XXXX. I am deeply concerned about the violation of my privacy rights and the lack of proper authorization for XXXX to disclose my personal information to these agencies. 

On XX/XX/2024, I previously lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning XXXX 's unauthorized reporting. Despite my efforts to rectify this issue, XXXX continues to report my educational record without my consent. I reiterate that I have never provided written permission to XXXX to report my information to any CRAs. 

Furthermore, I wish to highlight that there is no valid promissory note or negotiable instrument establishing any debt owed to XXXX. The alleged promissory note provided by XXXX contains inaccuracies, including a phone number that does not correspond to mine, indicating that it is fabricated. I maintain that I have not entered into any contractual agreement with XXXX, nor have I provided authorization for them to report my personal information to XXXX. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( 2 ), any disclosure of consumer information to XXXX requires explicit written permission. I demand that XXXX provide documented evidence demonstrating that I have granted them such permission. Failure to produce such evidence will be considered a violation of federal law. 

Moreover, I draw attention to the provisions of 15 USC 6801, which stipulate that my personal information must be kept confidential, protected from unauthorized access, and maintained as private. XXXX 's actions in disclosing my educational record to CRAs without my consent represent a clear violation of this statute. 

Furthermore, I am prepared to take legal action against XXXX for their fraudulent activities, including the forging of promissory notes and the unauthorized reporting of my personal information. I have already initiated legal proceedings against XXXX for violations of 8 USC 1324c, and I will not hesitate to include the CRAs as co-defendants in any legal action if they continue to facilitate XXXX 's unlawful practices. 

In light of the seriousness of these violations, I request prompt intervention by the CFPB to ensure that XXXX ceases its unauthorized reporting and that all erroneous entries related to my educational record are promptly removed from my credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
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. (LA)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023 I had made a dispute with Wells Fargo bank ( Claim Number : XXXX ) on me never receiving fund from a return shipment I had provided the order number and information on returning the products the bank will not accept video proof of me giving the carrier. I did everything on my part to now I am a victim of the bank and {$1100.00} in the hole because the bank needs more proof which I could have provided for them.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-11-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: GUARANTEED RATE INC. (IL)

This complaint is regarding an issue that took place prior to closing that was never discovered until XX/XX/2023. I purchased a home on XX/XX/2023, as all mortgages go, XXXX was required and information was submitted from the insurance agent to the loan officer then to the underwriter and then I was given the clear to close. However, I just found out that the XXXX was under a different address this whole time. At closing I paid a {$1200.00} premium on a property that essentially was not mine. Because the address was wrong, my lender ( XXXX XXXX  XXXX had started putting me under an XXXX. This forced placed insurance had a yearly premium of {$3300.00} that was taken out from escrow. Due to this, my payments had now risen from XXXX $ to {$2800.00} for XXXX, XXXX, and now for XXXX of XXXX. Originally in XX/XX/2023 I had called the lender to ask why the sudden increase and they said it was because they had no XXXX  on file for me. The lender had sent 2 notices in XX/XX/2023 and XX/XX/2023 saying that they had not received any XXXX  and that if I did not submit anything by the end of XX/XX/2023 then they would take the {$3300.00} for the XXXX out of my escrow. After receiving each of these notices, I emailed the insurance agent in charge of sending the XXXX  to the lender. He told me that he would take care of everything and that there is nothing I have to do. In XXXX when the mortgage went up by XXXX $ I once again emailed the insurance agent and told them that I am now being charged more for the mortgage because the lender still hasn't received anything. He once again said that he would take care of it. XX/XX/XXXX is when I followed up with the lender and I was the one who discovered the address was wrong which is why the lender was not accepting the original XXXX. To avoid any additional costs from escrow towards that XXXX $ premium, I quickly got a new XXXX. As of now my payments are going to still be a lot higher than normal and my escrow is currently - {$2800.00}. I reached out to the insurance agent to let them know that the address was wrong the whole time and that because of this error that I have lost a lot of money towards repaying the escrow, and also paying for two home insurance premiums. I asked the insurance agent if they can help with bringing my lender account back in good standing since this was an error that occured on their end and they said that it falls on me because I had signed the document to begin with. This does not take away the steps the loan officer, insurance agent, and underwriter do. This never should have been approved to close. Additionally, the {$3300.00} XXXX premium would never have hit my account if the insurance agent had done their job and fixed the issue in XXXX AND XX/XX/2023 when I sent them the picture of the letter I received and he told me to not do anything and that he would take care of it. 

The Loan Officer involved is XXXX XXXX - XXXX The Insurance Agent involved is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (CA)

I am a victim of identity theft. There have been several accounts opened without my consent and are reporting on my credit report. I have filed a complaint with the FTC as well as disputed the inaccuracy of the account with the creditor. This account has not been removed from my report, it continues to be updated and verified when in fact it does not even belong to me. I have a fraud alert on my XXXX credit report and was not contacted prior to this account being opened. This fraudulent account is making it very hard for me to obtain credit or to purchase a home because it is reporting as a derogatory trade account. More than XXXX times I have contacted the creditor and the reporting agencies and nothing has been done. The account is severely past due and accruing more interest and reporting with a negative history. As a consumer it is unlawful to be held responsible for an account in which I had no affiliation. I am requesting that the accounts listed on my FTC report be deleted and blocked.
Consumer complaint received 2023-11-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AL)

In XX/XX/2023, I requested that the collection company, National Credit Systems, validate a debt that is reporting on my credit report that I was unaware of. The company did not provide documentation to validate the debt and the account is still reporting on my credit report. This is a violation. The company never sent me anything about this account and still has validated the account and it is now XX/XX/2023. I am including a copy of my validation request letter to National Credit Systems and proof of tracking through certified mail that shows the company received the letter on XX/XX/2023.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (IL)

I was XXXX  in the Illinois XXXX  XXXX XXXX from XXXX through XXXX. During that time someone gained access to my debit card and charged over {$15000.00} worth of charges to my account. They updated the amount t to {$12000.00} almost immediately after receiving my claim for some reason. I sent a letter to NAVY FEDERAL CREDIT UNION in XXXX ( which they received XX/XX/2023 ) to explain that my account had been wrongfully accessed and I was in jail and needed it to be locked because of fraud. They locked my account on XX/XX/XXXX. When I exited jail on XXXX I called them and explained the situation. They had me submit my incarceration paperwork and all of my identity verifying information. Once I submitted everything they needed, They told me they have a XXXX liability policy and it was clearly fraud and that I needed to fill out paperwork to begin my fraud claim. I did that and submitted everything ( after many MANY attempts to get them to accept a fax ). They opened my claim on XX/XX/2023 and told me that I would receive a provisional credit anywhere from 2 hrs to 10 business days. I continued to call and check on the status of my claim and they kept changing the provisional credit dates. It went from the XXXX, to the XXXX and then to the XXXX. On the XXXX I called to find out why I was still not receiving my credit and they informed me that my claim was denied. Navy federal is known for not paying fraud claims but this is insane. I mean I was in XXXX. Theres absolutely no way that I couldve made these charges and a fraud claim couldnt be anymore clear cut than this. I need something to be done about this and have my money returned.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has allowed my personal information to open multiple accounts with no constant from me. The first issue was there was an attempt for a credit card to be opened and was denied due to my credit score with in the same time a debit account was opened and money was funded into the account with fraudulent money that was flagged in there system. I filed a police report at my local PD then received documentation that the account was not mine and was fraudulent account. Then on XX/XX/2023 a document was sent to me stating another account was open and I have not opened any account with Bank of America or any affiliated companies
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal does not have a banking system or app that allows consumers to proactively manage their money. This inefficiency allows the bank to collect multiple insufficient funds or return check fees. I have been out of work and trying my best to manage my payments, but I can not seem to catch a break because transactions are not showing or being processed in a way that I can see and manage them. 

Last night I had over {$300.00} in my account at XXXX XXXX, so I sent {$120.00} via XXXX for a payment for a service I received because the account said I had the money, and this morning my account was in the negative for {$90.00} because a bunch of transactions settled that weren't even pending. It's not fair to the consumer that there is no clear visibility on how transactions are going to be processed and feels like it's set up like that intentionally to maximize fee collection by the bank. 

The bank needs to put in place features that allow consumers to utilize their services efficiently, and not become victims to repetitive fees when they're barely staying afloat.
Consumer complaint received 2023-11-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I made several lump sum payments on this account to prepay in addition to monthly payment amount. Because of this, my due date kept getting pushed out. Now it says XX/XX/XXXX. Nelnet owes me over XXXX according to their own accounting department. 
On or about XX/XX/XXXX, I called about how my interest would be calculated with the Covid freeze. I was informed that i did not qualify because I had federally backed private loans. Instead, after speaking with a manager and someone in accounting, it was explained that I ( along with others he has seen, but my case was one of the worse ) had this weird due date accelerated issue and that I was owed this back money. I was told to pay the balance owed in full. I paid XXXX. The person then called me the next day to say that I had to pay an additional XXXX, which I paid on XX/XX/XXXX. I was then told that since my account was closed out, that accounting would recalculate everything because of the accelerated due date. I still have not received my funds or an explanation. I want the recordings of the call and notes and for someone to sit down with me about where my money is. 
I advised that the lump sum I paid was from the last money my dad gave me before he died on XX/XX/XXXX and now I am quite upset if this was all some sort of game. My dad and I could never figure out why no matter the lump sums, these loans did not get paid off faster. I believe there is an issue with all of them.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by XXXX. 
This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 
This is not my account and the creditor agreed to delete it.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.