davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
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. (FL)

I believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.
Consumer complaint received 2019-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCB Investments LLC (IL)

This is my third complaint through CFPB for this company that has been reporting information on my credit report without notifying me of the collection or giving me a right to dispute the debt before reporting to my credit report. Reporting a debt without notice or right to dispute is a violation of the FCRA. This company had continued to report even during multiple disputes which is also a violation since items can not be collected or reported during a dispute. Reporting an item is still an attempt to collect. There are so many violations and this account still had not been removed. This debtor also still had not proved that I owe this debt at all which I know I dont owe
Consumer complaint received 2019-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (FL)

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received an email asking if I would like to have my vehicle wrapped for advertising purposes and received {$2000.00} a month. I stated I stated yes and asked what the requirements werequirements were. They said that they would send me a check for {$4900.00} and I would send {$4400.00} To the wrapping company and keep {$500.00} as my 1st installment. I received the check in 2 days and deposited into my Wells Fargo checking account. I received another email 's telling me to use XXXX to send the {$4400.00} to the wrapping company. As this was the 1st time I was using XXXX I was only to able to send {$500.00}. I was directed to send the {$500.00} to a XXXX XXXX And use a wire transfer to send the remaining money. I did send {$500.00} to XXXX XXXX But I started becoming suspicious and did not send the wired transfer the same date. The more I asked about the wrapping company the more suspicious I came and Icontacted Wells Fargo and they told me that it was a scam that they had run across before and cancelled the wire transfer. I filed a fraud claim with Wells Fargo fraud department And explained the circumstances. I was issued claim number XXXX. I received a letter approximately 2 weeks later stating that my claim had been rejected because the money had gone through XXXX with no problem and I was the one that had initiated the transfer. I have just got done talking to the fraud department again at Wells Fargo and they said there was nothing they could do. They are a multi XXXX dollar company and I and I am a retired pensioner living on social security and a retirement. {$500.00} is a lot of money to me.. I am upset because they publish using XXXX knowing that people can not get their money back From them. I know Wells Fargo is insured through FDIC And {$500.00} is a drop in the bucket to them. After going on the sales website I have seen numerous complaints basically the same as mine dealing with frauds and scams. Several people had contacted you and had gotten results and this is the reason I am contacting you and hoping that at whatever you do might push Wells Fargo into returning my money. Thank you very much
Consumer complaint received 2020-02-18
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. (FL)

I believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.
Consumer complaint received 2021-11-17
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: BARCLAYS BANK DELAWARE (CA)

Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like Barclays Bank from Delaware the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On the evening of XX/XX/2020, my purse ( including wallet, checks, driver 's license, credit/debit cards, SSN card ) was stolen from the trunk of my locked car by way of smashing the front passenger window and subsequently unlocking the trunk from inside. I immediately filed a police report, cancelled all cards, confirmed my cards stolen with my bank 's fraud department, froze my accounts with all credit reporting agencies, and issued stop payments on all the checks contained in the checkbook. On XX/XX/2020, I applied for and received a temporary replacement driver 's license as well as attempted to close my primary DDA account with US Bank and open a new one as I was worried that because my account information was exposed on the checks, it could be tampered with. However, when I explained my situation, US Bank denied my request to close the original and open a new account on the grounds that I didn't have a valid photo ID ( the temporary one issued by the DMV did not include a photo ). A few days later, on XX/XX/2020, I was alerted that a fraudulent counter withdrawal in the amount of {$6300.00}, unauthorized by me, was issued at a US Bank branch to the offenders the day before, on XX/XX/2020. The offenders fraudulently impersonated me with my stolen driver 's license and forged my signature on the withdrawal slip. I immediately contacted the Fraud Department at US Bank on XX/XX/2020 who only then proceeded to close the compromised account and transfer the balance to a new account. On XX/XX/2020, I completed and filed Fraud Documents sent by US Bank 's Fraud Department to dispute the fraudulent transaction as well as initiate an investigation with the confirmation that the funds would be reimbursed and I would not be held liable in any way. I followed up on the progress of my claim on XX/XX/2020 and was told it would be another 2 weeks until the final review was complete and to check around XX/XX/2020. I followed up again on XX/XX/2020 and was informed that my claim was denied on the grounds that the trunk of my locked car was not a secure enough location. This is inaction by US Bank is unacceptable. There was very clearly gross negligence and inconsistencies on US Banks part to protect my funds. This fraud was enabled solely by the lack of attention of US Bank as all the parameters to reject any and every transaction subsequent to XX/XX/2020 were in place.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had applied for a refinance loan from Bank of America ( BOA ) with loan number of XXXX. I applied the loan on XX/XX/XXXX and BOA had the first loan closed date on XX/XX/XXXX. I always provided the document request within the same day or next day and never being late. BOA never notified me the status only if I called and most of time no response. BOA has been continuously asking the same information again and again ; BOA even asked a closing statement which is a property that I had sold 4 years ago ( by real estate law I am not required to keep document for more than 3 years old ) and the property is totally irrelevant to the loan. On XX/XX/XXXX which is 5 days before the original closing date, I can BOA to ask my status, the mortgage broker told me my application was declined by underwriter for no evidence of primary residence and ownership. Then I asked the broker why the underwriter never asked me to provide the utility bill, car registration, bank statement to prove my residency but directly to decline my case. The broker said this was totally wrong. Within the next day, I provided the said document volunteering to BOA to ask why my case was rejected on XX/XX/XXXX. 
No one including the manager can not provide me a reason and do not want to provide the listed questions that I want BOA to answer. BOA just continue to ignore me and not allow me to know my status of application. On XX/XX/XXXX, I called the manger to indicate that BOA 's rejection my loan is violation of Fair Lending Act not just basing on my age, my ethnicity and continuous harass me with irrelevant document request. The manager told me he would review my case but it turned out to be today, BOA is asking me to provide a " Notarized Attestation letter '' to explain why the subject loan property is the primary property. I wrote back to BOA by email to explain the reasons why I moved from the previous address to the current address. To me, there is no loan company has been asking me to provide " Notarized Attestation '' Letter only BOA trying continuously to make me frustrated and hard time to the loan. I think this is a discrimination against me personally but not a fair lending because I ask BOA manager to provide me the BOA lending guideline why I need to provide a " Notarized Attestation '' but not an explanation letter. BOA again rejected to provide the details. It let me feel BOA is treating me not just like a criminal but also a serious discrimination against me.
Consumer complaint received 2022-03-25
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: HW Holding, Inc (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

Re XXXX XXXX XXXX ( " MCM '' ). 

In late XXXX, one of my credit cards owned by Synchrony Financial was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with Synchrony, which reversed all charges, and also investigated the claim for me. My account with Synchrony is current and has been at all times since that event.

18 months later, XXXX  began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed Synchrony this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, XXXX agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, XXXX filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) XXXX is acting fraudulently, or with gross negligence, with respect to the claim for which XXXX  is wrongly attacking me, and, in doing so, XXXX is using what I believe to be illegal, and without question reprehensible, tactics. XXXX needs to be stopped and to compensate me for the damages it has caused thus far. 

Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent charges.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

The company that I've been dealing with is Fifth Third Bank there was a bill taken out for them out of {$180.00} that was put in for a dispute the bank denied dispute and I had to redo this dispute after 34 days several overdraft fees and 700 hours out of my own pocket the issue was fixed now when I'm facing with this company is my account is way overdrawn I'm trying to catch up from their error when this happened and now they're refusing to take a payment plan for me to pay back the money to my checking account and will not dispute an item in my account
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I was a charged {$290.00} for a purchase I did not authorize I was just informed about it on XX/XX/XXXX The company XXXX  XXXX gave that collection to a third party company called XXXX XXXX Im asking for quick removal of this charge off which was fraudulently used without my knowledge or permission.
Consumer complaint received 2021-04-16
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (SC)

I financed a vehicle with Flagship Credit Acceptance in XXXX of XXXX. The vehicle was totaled in XXXX of XXXX. From XXXX until now I have been in contact with Flagship multiple times each month trying to work through the claims with insurance and GAP. Not once during any of these phone calls did any repress mention that there were two payments that needed to be paid that insurance and gap would not be covering. Today I spoke with them yet again after pulling my credit and finding that not only have they not applied the insurance and gap checks to my account ( they received and cashed the insurance check several months ago and the gap check last month ) so they are still showing a {$29000.00} balance but they are also showing multiple missed payments. I told the representative that I would pay the two payments that they are claiming I owe even after the settlements were received but that I would not accept all of these missed payments on my credit. I was told there is nothing that they can do. Today they claim to have sent a letter about still needing to make payments while they awaited the settlements, and although I have told them each phone over the past several months that they have my address wrong, no one ever updated it ( they continue to show the state as California and not South Carolina where I live ) so I have never received any correspondence from them. I am a XXXX XXXX veteran and was in the middle of getting a VA loan to purchase a home for my family and due to their erroneous reporting and refusal to make it right I am no longer able to.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt. 
FIRST FEDERAL CREDIT ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ***** Opened XXXX XXXX XXXX Balance {$110.00} FIRST FED CREDIT CONTROL ( XXXX : XXXX XXXX XXXX XXXX ) ***** Opened XXXX XXXX XXXX Balance {$110.00}
Consumer complaint received 2020-02-18
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. (AR)

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX   XXXX/XXXX  XXXX {$490.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$1100.00} XXXX/XXXX XXXX   XXXX {$150.00} XXXX   XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-DISCHARGED XXXX
Consumer complaint received 2020-02-18
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. (AR)

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX   XXXX/XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX   XXXX {$1100.00} XXXX/XXXX XXXX   XXXX {$150.00} XXXX   XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-DISCHARGED XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was under covid forbearance for my mortgage with Navy Federal. I discussed options with them to come out of the forbearance and resume normal payments on my mortgage in XXXX. The loan modification option they provided would remove the interest charges that occurred during the forbearance period and roll in any missed escrow payments back into the loan, which I agreed to, total loan amount would be ~ {$320000.00}. I was told the paperwork would come in the mail, which it didn't. I called Navy Federal in XXXX to request an update on the process and was told it was sent to my email and would have to be redone. Even though I had talked to Navy Federal representatives several times over the passed two months on other matters, my mortgage account was never mentioned. After going through the options again with Navy Federal, I once again agreed to the loan modification and was told to watch for an Email from Navy Federal. I received the email a few days later and it was to resume my payments and a lump sum payment of any missed payments due at the end of the loan, which I didn't agree to. This time the amount due was ~ {$310000.00} with a ~ {$39000.00} final payment due at the end of the loan. After calling Navy Federal again, they realized the mistake and processed the loan modification request. This time the amount due on the loan is ~ {$340000.00}. After calling Navy Federal again, I was told they were no longer removing the interest charges that occurred during the forbearance and that this is the only option they would give and the additional {$34000.00} added to my principal balance was for escrow, interest charges and late payment fees. The representative refused to assist in any way and just repeatedly stated there's nothing that could be done and I missed my opportunity to agree to a lesser amount, effectively holding my house XXXX over me, either I agree or next steps will be taken against me.
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal was sent a certified letter regarding my vehicle being in an impound lot that was signed for on XX/XX/2021. Navy federal did not inform me of this and the vehicle was later sold at auction by the XXXX police department. To this day navy federal is still taking my money for a vehicle that neither of us own. At the time my account was in good standing and I should have been notified before the given time to respond. I have attached all of the paperwork that I have received.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC. (GA)

Amalgamated Token Services Inc., ( Coinlist ) offers XXXXy exchange functions. In XX/XX/2021 I transferred {$500.00} from my XXXX bank account, bought a XXXX called XXXX ( XXXX ) and signed up to have it staked. In XXXX I removed the balance from staking and it had appreciated by price to {$1100.00}. XX/XX/XXXX, I sold into USD but Coinlist is only allowing me to withdraw {$580.00}. I am not able to close my account or access my remaining funds and have sent several support tickets to request this be done. They are located XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX, XXXX XXXX. I've tried to reach them via email, XXXX, support ticket ... no response, no update.