davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

I purchased a Vanilla Gift card in the amount of {$130.00} at XXXX several days ago. The card was packaged perfectly with no sign of outward damage. When opened the card is missing the last 4 digits of the card number and the CVV on the back. They appear to have been scratched off. This looks intentional and not like a printing defect. 

When I contacted Vanilla they asked for the card serial number and confirmed it was for {$130.00}. I also have copies of both the purchase receipt and the activation receipt. The combination of the card and both receipts should be sufficient proof that I am legitimate. In order to do anything they then said they require proof of address ( a bill or something I assume ) and a copy of my drivers license before they will help with anything. The people answering the phone hardly speak English so it is very difficult to determine what they are asking for and the whole process has a very uncomfortable feeing to it. I asked to speak to someone in the United States to which the person continued to repeat " I work for the United States ''. It took me at least 4 times to get the person to admit they were not in the US. They then put me on hold and never picked me back up. 

This is my 4th attempt to get this rectified with the same basic results each time. After doing some research it appears that this is a common thing with this company and similar complaints are extremely easy to find.

It is a very unsafe practice to give out copies of personal information like they are asking for and its is even more unsafe to give it to someone outside of the country. The way this company treats customers is a scam to get people to give up on trying to get what they paid for in the hopes of keeping the funds.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Received phone call over the past few days, last one received from XXXX. Previous phone numbers were XXXX and XXXX. 

Caller with a foreign accent claimed that they were calling with Bank of America for an unpaid bill of {$890.00} USD that was about to go toward their credit bureau. They had the last four digits of my social security number, full name and cell phone number. 

I notified the caller that this is a business line, but she stuck to a script repeating the same suggestion to be transferred to the credit bureau. The line was transferred directly to XXXX and a man with a foreign accent attempted to verify my information again. At this point I hung up. 

The caller ringed me again and my daughter took over the call stating that my Bank of America correspondence settings are strictly through bank 's website via encrypted messages and/or email. There are no telephone call settings whatsoever with Bank of America. She proceeded again with the script and my daughter interrupted her to add my number to the Do Not Call List and do not call again. We will call Bank of America and XXXX directly. We asked for her contact information to report it. 

Note : we can not add our number to the Do Not Call List as it is an active Business Line. 

Her information is as follows : Name : XXXX XXXX XXXX : XXXX Company : Bank of America Employee ID # : XXXX
Consumer complaint received 2023-10-04
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. (TN)

I'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

Dear Consumer Financial Protection Bureau, I'm writing to bring to your attention a matter of utmost urgency and frustration. I've been dealing with Experian for over a month now, trying to get a fraud alert removed from my credit report. I've reached out to them over a dozen times through various channelsmail, email, and their online upload form. Despite my repeated and explicit requests to remove the fraud alert, they've managed to do the exact opposite : they keep adding new fraud alerts to my account. 

This isn't just a minor inconvenience ; it's causing real financial harm. I've been trying to get approved for a line of credit, and these additional fraud alerts are making it impossible. Every time a lender checks my credit report, they see these alerts and back away. It's like being stuck in a financial XXXX XXXX, and it's entirely due to Experian 's incompetence. 

I've followed all the procedures, filled out all the forms, and yet here I am, still stuck with a credit report that's doing me more harm than good. It's beyond frustratingit 's negligent. I've lost opportunities and time, and I'm at my wit 's end. I'm asking for your immediate intervention to resolve this issue and hold Experian accountable for their actions. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

These are the reports I have already filed with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet the sheer incompetence and lack of a way to get in touch with anyone by phone, in comparison to the other credit agencies where you can easily get a human, is the reason I am filing this complaint.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (GA)

I have been in education for 4 years now going on 5 and wanting to get my loan forgiven. I have reached out and haven't gotten any response to this. I have also done public loan forgiveness
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Nelnet can not provide my past payment history from Great Lakes. They will not reply back to emails, they purposefully drop my phone calls, they do not know what the issue is or how to fix, I constantly get transferred to another agent who does not know. I was told I had to sign up for paperless in order to receive my past payment history with Great Lakes, which I did not want to do. When I did they said the payment history would be in my inbox, but it is not. They have not returned any communication at this point, do not know how to fix, etc. 

I am unable to proceed with PSLF which is my right as I can not find the payment history. I was making payments up until COVID and I am qualified, but I am unable to get the PSLF after working in the public sector since graduating college ( and still do to this day ). All while they are charging me interest, demanding payments when I do not even know how far along I am as I do not have access to my history ( great lakes site loops to Nelnet ). 

Unable to communicate with them in any degree or fashion. Do not have access to past payment history after the transfer. Site is telling me no history available, agents unable to find it. I am now unable to proceed with PSLF while I am still being charged, billed, interest, etc. yet can not get a simple report showing past payment history with Great Lakes. 

This is predatory, this is not what the Dept of Edu was promising when payments restarted, this is a mess and I am no closer to resolution, but you bet requests for payment and interest and harassing phone calls are still going like clock work!
Consumer complaint received 2023-10-04
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: Westlake Services, LLC (VA)

i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with XXXX XXXX XXXX XXXX, Account number XXXX. i do not have a contract with XXXX XXXX XXXX XXXX. i am also not liable for the debt of {$8600.00} with WESTLAKE PORTFOLIO MGMT, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with XXXX XXXX, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account XXXX XXXX XXXXXXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to 18 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NE)

On XX/XX/XXXX, I received a letter from Nelnet stating that the Biden-Harris program had forgiven my student loans. 
I logged into my account, and I had 2 letters awaiting me stating that the loans had been forgiven and my balance reflected a XXXX balance. Last week, I received a letter from Nelnet stating that my loans were in forbearance. I logged into my account, and my balance was XXXX. and it said my payments would resume in XXXX of XXXX. 
I have tried to contact Nelnet, but after 5 hours of hold time over a couple of days, I am reaching out to CFPB for assistance in clearing this issue up. As of right now, my credit report is showing a XXXX balance. However, I fear that once the agencies are updated next month, this could greatly impact the closing of my home.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am reaching out to file a complaint regarding a recurring and deeply concerning issue I am experiencing with HSBC Bank. This matter pertains to the unwarranted freezing of my assets and accounts on XXXX separate occasions, with the most recent incident being triggered by a mobile deposit of {$4000.00}. 

Details of the Issue : Repeated Freezing of Accounts : Despite being a diligent customer, my assets and accounts with HSBC have been frozen twice. This severely impedes my ability to access and manage my own funds, leading to considerable stress, inconvenience, and potential financial implications. 

Lack of Communication : There has been minimal communication and transparency from HSBC 's end regarding the reason for these freezes, especially when the recent trigger was just a standard mobile deposit. 

Reason for the Complaint : While I acknowledge the importance of stringent security measures to prevent fraudulent activities, it is alarming to face such drastic actions from the bank for routine transactions. This recurrent issue raises critical concerns about the reliability and efficiency of HSBC 's banking processes. As a customer, it is paramount for me to have consistent and unrestricted access to my funds without unexpected and unexplained hindrances.

Resolution Sought : Immediate review and rectification of the freeze on my HSBC account.

A detailed explanation as to why this has recurred.

Measures taken by HSBC to prevent such issues in the future.

In choosing HSBC, I was influenced by its reputation as a leading international bank. However, these recent experiences have deeply shaken my confidence. I believe the CFPB 's intervention is crucial to ensure that financial institutions like HSBC maintain a balanced approach between security measures and respecting customer rights and access to their assets.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since XX/XX/2020 I have been trying to resolve my claim with no positive result, instead I am told they are sorry and to continue to wait, it's been 2 years now of going back and forth with multiple supervisors agree that I should not be held liable and that this is not me or my fault, yet they still have not helped me, I have had to have this claim reconsidered over 60 times due to their denial that clearly is automated. They refuse. They sent out a letter last XXXX and I were to receive credit for my claim, and they refused say it was generalized, currently I have another claim of XXXX due to their negligence. using an old card on my account that was not active causing another huge strain and leaving me with nothing, I have begged them, and they refuse to help and refuse to give me a hardship I have complied with all of their demands, yet I get no where claim # XXXX {$1900.00} claim # XXXX {$9400.00} excuse no posting error has occurred Still have not received anything
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (MA)

I submitted a dispute transaction with my bank about a purchase of {$600.00} with XXXX XXXX XXXX. 
The goods were delivered to the wrong account. Despite my documentation, Navy Federal denied my dispute. 
I requested all the documentation from the merchant. Navy Federal sent me the documentation. The documentation clearly shows that my order was sent to a different account. 
Moreover, I sent them a screenshot and report of my account showing no trace of the transaction. 
I asked Navy Federal to reopen my dispute and reinvestigate it. They refused which is against the Federal Law ( Fair Credit Billing Act, FCBA ). 
I have proved by good faith and Navy Federal replied to me in bad faith.

Moreover, they said in the letter they sent that they are going " to continue to attempt to recover the funds through XXXX XXXX  pre-arbitration phase of the dispute resolution process ''. However, they immediately reposted the transaction on my account which represents a second violation of the FCBA. 
I am requesting from Navy Federal to reopen my dispute transaction and to treat it fairly. 
They have all my documentation showing that the transaction was sent to another account and they also received from the merchant the transaction tracking showing that another account received the money.
Consumer complaint received 2023-10-04
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. (TN)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-08-25
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. (GA)

HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CO)

XXXX XXXX XXXX is calling, emailing and sending me letters in the mail stating that I owe Wells Fargo a debit of {$2000.00}. I have ask repeatedly for proof of the debt. They can not provide. I have since called Wells Fargo and asked them to confirm that I owe this debt. Wells Fargo confirmed that I do not owe this debt and told me to turn this company in for scamming/fraud. I have called XXXX and emailed XXXX XXXX XXXX at XXXX. When I ask the rep to provide me with proof that I owe this debt, they ignore my request and ask how I want to pay. They will get very angry if you ask any questions. They will threaten to turn you in to XXXX and garnish your wages.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (IL)

It has been brought to my attention that the laws and guidelines under Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 16810 C-2 have not been followed. On several occasions I have requested proof that there was a commitment from myself to XXXX XXXX XXXX. Transunion has not complied ; transunion simply sends credit reports saying that the account was verified. Both XXXX and XXXX, have since deleted the account. To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to original creditor to ensure a proper investigation of my dispute. Transunion has not. Please follow the protocol, or delete creditor from my credit report immediately. As well as these fraudulent inquiries, that are disclosed on my Federal Trade Commission identity theft report.