davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Information is incorrect on my credit report. I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus verify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy. According to : 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America, in violation of their own policies, continues to receive money intended to pay principal, misapplying the monies received in order to continue to charge me interest on the monies received. Currently my balance includes over {$740.00} in excess interest charges. 

I asking CFPB to step in and explain to the Bank of America that they need to follow their own policies and stop deferring application of monies received and to apply the monies as indicated below : The Bank of America continues to hold my money paid towards principal despite my requests to have applied as intended, as listed below : Date Payment Type XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 {$10000.00} Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 {$5000.00} Principal only XX/XX/2023 {$9900.00} Principal only XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment The Bank of America has acknowledged they have received the above monies but they fail to correct their repeated misapplication of funds received, holding the money while continuing to charge me interest. I believe there will come a class action lawsuit which I am prepared to start. 

I have made three other complaints. CFPB incorrectly closed the last case claiming a response which was dated PRIOR to said complaint was sufficient to close the case. I hold CFPB responsible for its assistance or lack thereof as a supervising bank.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (TX)

I received a letter on XX/XX/2021 about an account that was past due that I never opened. The letter was from Regional Finance in XXXX TX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never opened an account with them so I called and spoke to the manager XXXX XXXX Apparently this company sends out LIVE checks to people and all they have to do is sign the check and deposit it and once cashed the account is open. I have not heard of this since the 80 's. The manager said that the person who did this did not have to present themselves, they required no ID, or other identifying information. She had a phone number that was not mine. I have had the same bank account since before this happened and I can prove that I did not cash this check and was not living at the address they mailed it to at the time, I have moved to another city before this. They claim to have validated a debt for a check that I never signed, nor deposited. This is a disgrace. With all of the laws in the US requiring banks to identity those seeking loans and with the requirements in place to prevent fraud, money laundering, and other illegal activities how does Regional Finance get away with this?

Aren't these lenders subject to the Bank Secrecy Act ( BSA ) and related regulations, which require them to establish Customer Identification Programs ( CIPs )? These programs require lenders to verify the identity of customers and maintain records of the identification information obtained. Is this company in violation of that?

I have reached out to a consumer protection attorney as they are saying that they validated a fraudulent loan, which is not accurate as they did not have any of my personal information for this other than my old address which I was not living at at the time. The phone number they were calling was not mine, I have no idea how this can happen. This is ridiculous and they need to be stopped from doing this making easy victims out of unsuspecting consumers. At the very least they could have gotten information on the bank where the check was deposited. It was never deposited in my account that is for sure.

I have never been able to take out a loan without various forms of ID, Proof of income etc.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

We sent a check to our vendor for payment, they did not receive the check, but we show it as cash. We filed a complaint with XXXX XXXX  as the check was stolen and deposited at a Wells Fargo bank. The vendor does not bank with Wells Fargo. The check was deposited via banking app and deposited. We filled out the attached paperwork and affidavit. This check was cashed back in XX/XX/2022. Wells Fargo has been unresponsive and acknowledging or answering any of the letters and demands for payment. This is a {$7000.00} check.
Consumer complaint received 2023-01-14
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: American Credit Acceptance, LLC (NV)

Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : 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 Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.
Consumer complaint received 2023-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX, my car was stolen. All my personal information was in my card including my driver 's license, my unlocked cell phone, XXXX, and medical information. In XX/XX/XXXX someone opened an account in my name with XXXX XXXX XXXX. I reached out to XXXX and disputed the account and mailed in my ssn card, birth certificate, copy of the police report, and other requested documents to confirm my name and identity. I've filed several disputes with XXXX regarding this. I've also tried to resolve this directly with the company. However, since my name is incorrect on the account, I was not able to get information from the creditor. I have submitted yet another dispute by phone and by webpage concerning this. This account does not belong to me. This account does not have the correct name on file. XXXX only updated my name on my credit report but did nothing else concerning the fraudulent account opening. I mailed many documents, but when I check on them and provide tracking information, they claim to not have received my documentation.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America and XXXX are refusing to return money that was stolen from my checking account using XXXX. I was a victim of theft on XX/XX/2022 in XXXX XXXX, LA. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX XXXX XXXX. Bank of America did not remove my phone # from my account after their customer support indicated they did. THEY CONTINUED TO ALLOW THE THIEVE ( XXXX ) TO USE MY STOLEN MOBILE PHONE TO RECEIVE THE SMS 2 FACTOR AUTHENTICATION CODE AND GET INTO MY ONLINE BANK OF AMERICA ACCOUNT. These transactions were not initiated and were not authorized by me. My Phone was stolen. Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$1000.00} DescriptionXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX category Cash, Checks & XXXX XXXX Other Expenses Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$2500.00} DescriptionZelle Transfer XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX Amount- {$2000.00} DescriptionXXXX Transfer Conf XXXX XXXX XXXX XXXX XXXX Merchant XXXX XXXX XXXX Transaction XXXX XXXX, Checks & Misc : Other Expenses Posting date XX/XX/2022 Description XXXX Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX XXXX {$1500.00} DescriptionXXXX  Transfer Conf # XXXX XXXX XXXX XXXX Merchant name XXXX XXXX XXXX category XXXX XXXX Checks & XXXX : Other Expenses
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (WA)

I requested Experian to freeze my credit file. This seems to require an account with Experian. I created the account, and I only use the account to freeze and unfreeze my credit file. Since creating that account, I have received emails from which I can not unsubscribe. I have attached two images as examples. 

The bottom of the emails read : > Why am I receiving this email? 
XXXX This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorks Basic emails in the past, dont worryyou no longer receive newsletters or special offers. 
> You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. 

These are clearly marketing emails. When I sign in via the link in these emails, the very first screen offers me to upgrade my Experian CreditWorks account from Basic to Premium, which costs {$24.00} after 7 days. I have attached an images as an example.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

This has been an ongoing issue with Wells Fargo for over a year now that is their error and has lowered my credit score over 30 points due to their negligence.

First, a credit card I've had for nearly 15 years was closed without warning. It was closed with no letter/call/email, my oldest credit card, and consequently significantly dropped my credit score. 

I filed a complaint with the CFPB a year ago - complaint XXXX - and Wells Fargo was ordered to reopen the account. 

They did. Only to close it again a week later. I found out about that in XXXX. They account was again reopened, but has still not been corrected on my credit report after many, many discussions with Wells Fargo, the most recent being about 60 days ago. The card has a tiny balance so that I can show it has actually is open and has been used. 

Please help! I plan to buy a house in the next 6 months and this ordeal is creating a tremendous amount of stress. I would really appreciate your help in ensuring credit report accurate, reflecting the 15 year credit history I have worked hard to build. It is clear that Wells Fargo does not care. Thank you.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Certified Credit Reporting, Inc. (AL)

I called XXXX XXXX on XX/XX/XXXX regarding this complaint. 

Your phone number XXXX does not ring. It goes straight to voice mail. 

I Ask again that YOU remove the hard inquiry form my credit report as you are a re-seller of credit reports and my information was shared without my consent, to YOU the re-seller. I do not need to reach out to XXXX XXXX as what has occurred by my information being shared to a third party is against the law This is my second communication with you and I Would have to make this a case for noncompliance if you do not remove the hard inquiry from my report. 

This was Certified Credit reporting 's previous response : Certified Credit Reporting is a re-seller of credit reports primarily for mortgage processing, tenant screening and employment screening purposes. This inquiry was accessed on XX/XX/XXXX, on behalf of : XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. These inquires remain on a consumers credit report for a period of 24 months ( 2 years ). We have not had any communication with you prior, either written or oral, until the receipt of this complaint. Feel free to contact the original end user listed above with any questions you may have regarding this inquiry. After speaking to them if you still feel this was accessed without your knowledge, contact us at XXXX or phone us at XXXX or write us at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, and we'll be happy to open an investigation. Thank you and have a great day!
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I closed on a HELOC with PNC Bank. As part of the terms of the loan, PNC required that I use a portion of the funds to pay off a XXXX credit card to reduce my debt to income ratio. I agreed. During closing, I provided information for PNC to pay XXXX directly. I was told I was not allowed to receive the funds myself and then pay it off, they needed to send the check. 

After the closing, PNC sent a check to XXXX, which was confirmed received. XXXX credited my account for the amount of my credit card bill, which was just shy of {$20000.00}. Three days later, XXXX reversed the payment stating that PNC had refused to pay the check. The same check PNC issued. 

I have been attempting to resolve this issue with PNC for weeks. I get nothing but the run around and people saying it's not their department. Meanwhile, PNC is currently charging me interest on that same {$20000.00}. They have not, and they refuse to, reverse the payment. They are billing me for using the money that has not been, nor can it be, used. I was also charged a fee from XXXX for having a returned check.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report has been used improperly by the credit reporting agencies Transunion, XXXX and XXXX. I did not give written consent for the reporting agencies to use my information this is a violation of 15 U.S. Code 1681s-2. I noticed the improper use on XX/XX/2023.
Consumer complaint received 2023-05-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BID SOLUTIONS LLC (GA)

We started a loan modification with XXXXXXXX XXXX XXXX  We will post to make three payments for XXXX, XXXX, and XXXX of {$1500.00} and send it to them and they will send it to the mortgage company. I looked into my mortgage company and saw that they never sent the money to them. I received a letter from HUD home, saying that we can start tenancy with them like they bought the house, so we were scammed from XXXX XXXX XXXX of {$4500.00}
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (LA)

From : NetCredit XXXX To : XXXX XXXX Today at XXXX XXXX XXXX, Here 's Your Personalized Payment Arrangement NetCredit Our Plan Can Help You Dear XXXX, Account # : XXXX Since you have not paid your past-due balance, the remainder of your loan is now due. Call the NetCredit Support Team at ( XXXX ) XXXX to accept this arrangement or make a payment. 
We understand your finances may have been affected by COVID-19. If you're experiencing financial hardship, please reach out to us so we can work with you to figure out a solution. 
Our NetCredit support team is here to walk you through options specific to your
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I opened my BECU visa account and found charges made to my visa account by XXXX XXXX XXXX in the amounts of {$21.00}, {$30.00}, {$25.00}, {$25.00}. I did not make these charges, these were made on XX/XX/XXXX. It did not say what the items were, my bank listed them as pending. 
The website with this phone number says it is a Bank Fraud and has been reported to the FCC. 
I want these charges removed from my BECU bank account. I noticed this has been going on since XX/XX/XXXX and it is still happening.. 
I also have problems connecting with DO NOT CALL REGISTRY.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (PA)

I opened a high-yield savings account with Synchrony Bank XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX made a {$50000.00} deposit from a XXXX loan into my Synchrony account. On XXXX XXXX, I asked Synchrony if I could transfer {$25000.00} into my XXXX XXXX  checking account. The Synchrony bank representative said yes, I could make a transfer in that amount. So, I made a {$25000.00} transfer to my XXXX XXXX checking account. It seemed to be accepted. But then, on XXXX XXXX, I received an email from Synchrony saying, " This is to notify you that your access to the funds transfer service has been suspended. '' Not only has the funds transfer service been suspended, my entire account has been suspended. I have no access to my money at all. I have called Synchrony Bank several times since. Each time, they tell me the same thing : " Yes, we have suspended/restricted your account... no, we will not tell you why... no, you can not speak to anybody about it... it could take up to 60 days to receive access to your funds again. '' I took out the {$50000.00} loan with XXXX because I obviously need the money. Of course, in hindsight, I should have deposited the loan into XXXX XXXX checking, then transferred the remaining funds into Synchrony. It was an honest mistake, but I should not be penalized for it.
Consumer complaint received 2023-01-20
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. (PA)

I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Consumer complaint received 2022-12-19
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. (RI)

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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