davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (NY)

My father attempted to clear a debt with a collection agency. They informed him that he could settle the debt for a specific amount. He received a letter stating that if wanted to resolve the issue all he would have to do would pay the settlement amount. The amount owed was {$1500.00} but to settle the debt. The only amount paid was {$460.00} but my father after paying was threatened that it would negatively effect his credit if he did not pay the full amount of the debt owed.
Consumer complaint received 2019-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA partners with XXXX, an instant money transfer service. XXXX is advertised as being the safest way to transfer money because it is linked directly to your bank. However, it is a known danger as it is specifically requested by scam artists due to the speed and lack of protections from XXXX or the bank. 

I was a victim of a scam to buy tickets, and {$400.00} was transferred to a scam artist on XX/XX/2019, via XXXX on my USAA mobile app. It was requested by the scammer, and I was unfamiliar with XXXX but knew it was touted to be safe because it went through USAA. 

As soon as the transfer was completed, the scam artist turned the phone number off so it was no longer in service. I immediately called USAA and was told there are no protections and there is not a way to cancel the transfer. 

I filed a dispute on XX/XX/2019, with USAA and was told quote " XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. '' After spending close to six hours on the phone with USAA this week, I was told I signed up with XXXX with fine print that said not to send money to people I did not know. I have decided to leave a bank I've had for years because of the trust I put in the bank to provide safe services via their mobile app. 

I am filing this complaint because I feel consumers need to be made more aware of the ease in which scam artists are using XXXX. There is a false sense of security when you use your bank 's mobile app to enroll and use XXXX, and scammers know this. USAA even said they know it is a problem and have " made their members aware via a FAQ on their website. '' This is not enough. I believe banks that make XXXX available should send a physical letter letting them know the dangers associated with this service, especially since it is known by them to be an issue. 

I am very disappointed in the lack of protections offered by banks when their customers use XXXX because of the false sense of security. If you can not trust your bank to protect you, then who can you trust? Maybe I should ask the scammer when I also ask him for my money back ... 

I do not have any documents to upload because USAA refused to comply with my request for the documents. We've asked for the documentation used to deny my dispute as well as the terms and conditions I agreed to when signing up with XXXX. However, they refused to do so each time, despite the statement in my denial of dispute email that stated : " If you have questions or would like to request copies of the documentation or information we used to make this decision, please call us ... '' Therefore, I have nothing to attach, unfortunately.
Consumer complaint received 2018-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (FL)

I've been receiving calls so many calls that I had to mute my phone to be able to work or sleep, that I decide to call back to explain that they have the wrong number. 
Ive reach costumer service 3 times and explained they have the wrong number ; In the last call I confirmed that I owned this number for almost 2 decades, I told them only my first name and what state I reside in, asked for them to remove my number from their call database and if it did not stop I would file a complaint. 
I blocked some of their numbers but the text messages started, now my phone is muted except for my emergency contacts, but I need to receive calls for work and personal live. 
The company is XXXX, their text number is XXXX costumer service XXXX Other numbers that might belong to them : XXXX XXXX.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I received a letter from the IRS LTR 5071C on XX/XX/2019 I scheduled two appointments however failed to make them both. Ultimately I went to the IRS building in XXXX, FL but didnt call to schedule an appointment or bring in my letter with control number.
Consumer complaint received 2019-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I have a collection on my Experian report that is not mine. I tried to disputing it with the company and they said account was verified, even though I have no knowledge of this account and never even paid this account one time.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

In the document you sent recently, dated XX/XX/XXXX ( see below ), it states my loan # XXXX that .. my forbearance is about to expire. At the end of the month ( XXXX XXXX ). Really, Loan Care???!!! Look at the 2nd document you generated dated XX/XX/XXXX. In 3rd paragraph, it states both the loan referenced above ( # XXXX ) & # XXXX have forbearance extended to XX/XX/XXXX. So Loan Care, square the XX/XX/XXXX document forbearance expiration with the XX/XX/XXXX documents forbearance expiration dates, for both loans. You waited to generate this letter, dated about loan # XXXX forbearance ending at end of this month, on XX/XX/XXXX & then mailed it. I get it over a week later, file a written complaint thru CFPB, which you blow off & closed without reading. This contrasts to the stunt you pulled middle of last year where you generated a letter, stating my forbearance was ending, more than a month in advance ( it wasnt ). This essentially less than two week notice of forbearance ending vs, previously more than a months warning must be that exceptional service Loan Care keeps harping on. So, Loan Care, which is it??? # XXXX forbearance ends end of this month or as your letter of XX/XX/XXXX states XX/XX/XXXX??? 
Note the enclosed document dated XX/XX/XXXX, 2nd paragraph, opening sentence where Loan Care states .According to our records there is a cease & desist on both mortgage loans ..When there is a cease & desist no mail will be sent out to your address. Really, Loan Care?? No XXXX!!! Well, youre wrong once again. I stipulated quite clearly in previous communication that the cease & desist was pertaining to phone calls & emails and that I wanted only written contact via XXXX. Your company cited that in response & agreed to such. I really dont give a XXXX how you interpret something. What was agreed to in writing is what matters & you are in breach of that. Duly noted, documented for future use. 
This now makes the 7th official complaint Ive lodged against this company thru CFPB. Anyone outside of the Federal government agencies who read this, my best advice is to never do business with Loan Care & if you are then find a different company. Youve been warned.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I had my identity stolen on or around XX/XX/XXXX of this year. The problem is with Wells Fargo Bank and their reaction to and acknowledgement of the crime. I notified the issues, because I was first notified by my energy company XXXX XXXX. First I went to go pay a bill to them that suddenly was considerably larger then the paper bill I had just received. After a few transfers I was told that someone ( hacker ) had stolen my identity through the XXXX XXXX system, which is how I've always paid the bill, they told me that the hacker had " disputed '' my payments going all the way back to XXXX of 2018. They froze the account. By doing so they didn't allow any more months or payments to be stolen. I then notified Wells Fargo. I also called the attorney general of Florida who gave me steps to follow to warn all the creditors and lenders. Wells Fargo at first was very helpful. But, some where along the way their fraud department decided they wouldn't claim their lack of security. They are flagging my account, charging me some of the disputed funds and not allowing me to open another account, there or at any other banking institutions. Even though I have filed a police report and filled out and had notarized Florida 's theft identity kit. I was told by the attorney generals office to file a complaint through this institution.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a Capital One 360 money market account, which had a bonus offer of $XXXX if you deposited $XXXX before XX/XX/2018. I satisfied those conditions, and was expecting to receive the bonus 60 days after the terms were met, per the terms of the bonus conditions. I never received the bonus, and upon calling them, they told me because I didn't leave the money there, I would not get the bonus. Nowhere in the terms does it state that I needed to leave the money there, no time frame on how long, etc. Simply that I must deposit $XXXX by XX/XX/2018.
Consumer complaint received 2020-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (IL)

Exeter finance has continued to refuse to provide me with copies of my billing statements for the XXXX XXXX XXXX my mother and I are financing through them. They provided one copy of one statement per my last complaint against them but have still refused to mail me my actual billing statement. My mother and I have different addresses and I am not getting anything from Exeter.
Consumer complaint received 2020-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Hello my name is XXXX XXXX I am XXXX years old and have lived in my home almost my entire life due to my father building the home in XXXX for our family. I am going to try to make this as brief as possible because there is so much going on with my situation. 
I originally was with XXXX XXXX XXXX. After my mother passed away in XXXX I bought the home she and I lived in and have lived in since. I got a HELOC in XXXX. In XXXX I was getting a loan modification but they said I would do the Modification on the first loan and after I was approved I would work on the HELOC which was strange to me but trusted they were looking out for my best interest. It took them 24 months to approve the modification on my primary loan and then shortly after I received a charge off on the HELOC. Within these time framesI kept current on both the loan and the HELOC until they ( XXXX XXXX XXXX  ) told me it was charged off. After charge off was received I was told by the new lender XXXX XXXX XXXX that I was current and to keep paying on my primary loan which I have done up to XX/XX/XXXX. 
In XXXX of XXXX almost 10 years later I received a Notice of default on the HELOC loan I was very confused and tried to work things out with the new servicer which was Special Loan Servicing LLC. After 10 years of my thinking the HELOC was charged off I was absolutely shocked and frightened about what to do. I hired a lawyer and have been taken advantage of and mislead since. In late XXXX I was contacted by Special Loan Servings lawyer who said they would work with me if I dismissed the lawsuit. On XX/XX/XXXX I had borrow money from a friend to go have a consultation with a new lawyer because I had know idea what all this meant and felt I needed someone who was professional to help me. She was going to handle getting the Auction postponed so I would be allowed time for the modification and dismiss the lawsuit. Things have not progressed well since I hired her and now as of today she told me that Special Loan Servicing is not going to postpone auction and they will move forward with the foreclosure process. I am desperate and afraid of being on the street after XX/XX/XXXX which is the auction date. I have no more money to hire an attorney and writing to you is my last resort. I just wanted the opportunity to get the HELOC modified and I would begin to make payments, but they never allowed me that. Again I am current on my primary loan and never have missed a payment. Although I was advised by the newest lawyer to not make XXXX payment. She has dissolved our relationship as of today. XX/XX/XXXX
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I previously filed a complaint on this company. The company generated a statement saying that XXXX has investigated and is reporting this information correctly. This statement is not true. My credit report still shows as delinquent and my credit score has been negatively impacted by this information. I am providing screen shots as of today to show that XXXX nor XXXX XXXX reported or responded honestly to the status of this case. They just entered a response without truly rectifying the problem.
Consumer complaint received 2019-09-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I WAS INSTRUCTED BY BOA TO GET A CASHIER CHECK FROM XXXX XXXX   ROUTING XXXX ACCOUNT # XXXX SO I COULD COVER CD FROM XXXX XXXX XXXX XXXX AS THE CD WAS REQUEST PAYMENT FROM BOA ROUTING # XXXX ACCOUNT # XXXX BALANCE {$830000.00} AT THE TIME THAT XXXX XXXX XXXX   DEBITED FOR PAYMENT OF CONTRACT OF CD FOR THE AMOUNT OF {$640000.00} REPLY FROM BOA THEY REPLIED THE WAS ACCOUNT WAS NSA EVEN TRIED TO WITHDRAWAL {$1000.00} SEVERAL TIMES THE ANSWER WAS THE SAME SO XXXX XXXX CANCELLED MY CD RATE 2.70 % THEY PROCEED AND THE MADE A NEW CONTRACT FOR 2.60 % IVE TRY TO TAKE CARE OF THIS PROBLEM IT WAS LIKE A CIRCUS THEY KEPT SAYING THAT WAS A MONEY ORDER BUT IT WAS A CASHIER CHECK AS INSTRUCTED TO BY BANK OF BOA. 
XXXX, XXXX CELL -- XXXX XXXX MAIL -- XXXX XXXX
Consumer complaint received 2019-07-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I have several late payments from Navient on my credit report and I do not know why. I was in school from fall XXXX to spring XXXX. In XX/XX/XXXX my XXXX passed away, and because he was a cosigner I was told the student loans would be forgiven. Years and years passed and I never heard from them again. Not a phone call, not a letter in the mail, literally nothing. Then one day I looked at my credit file and I had several late payments from them. This was in XXXX, years and years after attending school. Any attempts to follow up with the company and get it fixed have not worked. When I call they say someone from the company must have given me wrong information and they couldn't  help. I disputed the payments with the credit bureaus, and nothing. I am now paying my student loan payments monthly and have never been late, I don't mind paying. But the late payments on my credit file is ruining my credit and I need it removed.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I started a home buying journey early XXXX and noticed inaccurate and invalid information on my credit report. I have requested The companies to validate or remove this items from my report since as early as XXXX of XXXXThese companies have refused to do so in over a year!! 

I find this act as 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character. I have not received any response back on this matter. This issue has affected me purchasing a home and my good name. The item is XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX Per the Law ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-07-13
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: EQUIFAX, INC. (AL)

On XX/XX/2019, I received a letter ( XXXX XXXX XXXX XXXX ) from Equifax in response to my dispute to the inaccurate information on my credit file. This inaccurate information pertains to my credit card and is currently hurting my ability to get credit. My XXXX XXXX card should show 51 % paid off and the XXXX XXXX card should show 67 %, but there has been no update to this dispute. The letter says that Equifax is unable to locate my credit file, but I have had several credit and loan applications rejected on the basis on information obtained from them to my creditors. I already sent the SSN and additional identification documents on XX/XX/XXXX when I sent a letter to them via certified postal mail ( XXXX ) asking them to validate my alleged debts which they also have NOT validated nor removed from my credit file even though both XXXX   and XXXX have already removed those unvalidated, negative collection accounts from my credit accounts which have hurt my ability to get credit. 

I should not have to do Equifax 's job for them, especially when I already sent the ID information to verify myself to them on XX/XX/XXXX. After the end of this XXXX, if no action is taken to remove all negative collection accounts, promotional inquiries, and unvalidated inquiries from unknown creditors on my file, I will be suing Equifax in either small claims court or federal court for every infraction of my rights to the fullest extent of the statutory law which protects my rights. 

I have attached a copy of my denial letter from XXXX XXXX for a credit increase based on information given to them from Equifax Inc. They say they can not fine my credit file, but this is a misrepresentation on their part. Additionally, I am also attaching my file from XXXX XXXX which Equifax provides information every month typically to update me on my credit file.
Consumer complaint received 2019-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BMW Financial Services NA, LLC (CA)

Leased an electric car. 

BMW received a benefit of more than {$7000.00} for the electric incentive rebate from the government The car would not charge because it was not designed to charge when it's more than 95 degrees out. But they sold it in Arizona where the temp is always over that for 5  months of the year. 

Returned the car. Bought a different car because they wouldn't let me out of the sale agreement. ( illegal - car was mechanically non-functional ) New car deal, they " reversed the incentive '' which was wrong because I went from lease to loan. And they financed the incentive into my new payment. 

When I realized this was wrong many months later they refused to negotiate to resolve this discrepancy. I had someone willing to buy the car at a reduced amount of about the same as this {$7000.00} amount ( which was not real value ever ). 

I stopped paying because I couldn't get their attention and then they repo'ed the car but now they are trying to collect the amount due which coincidentally is the same amount I had a buyer to sell the car to! 

They broke the law with leasing me the electric car that was a lemon because it should never be sold in hot climates. 

They controlled all the options until the very end and now they will not let it go even of what they think " I owe '' even though I have no car and couldn't sell it and lost my money, time and am out a car. In addition warranties and other intangible benefits such as gap insurance that was paid has been lost due to this forced liquidation.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MS)

I am a victim of identity theft. I do not have any knowledge of these accounts. I have sent Synchrony Bank several letters about Belk amount due {$1300.00} and Walmart due {$500.00} stating I am not aware of these accounts since XX/XX/2019. All my information was compromised my name, address, telephone number, email address, and bank accounts. These creditors have agreed not to issue a credit. I sent in letters to the 3 credit bureaus also.