davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I am victim of scam. I wire transferred {$20000.00} to XXXX XXXX XXXX XXXX acct under false pretenses and fraud. on XX/XX/2022 under the instruction from a scammer. Once I discovered that I was scammed I went to XXXX XXXX to file a claim. XXXX XXXX did nothing and would not assist in recovering my funds. I was told to make a claim with my bank. My bank requested a wire reversal but XXXX XXXX has not reach out to my bank. We are still waiting since XX/XX/XXXX. XXXX XXXX has not responded.The lack of urgency on the Beneficiary bank made in accomplice to the fraud because they failed to protect the victim and they holding an account that is involved in money Laundering. Through my own investigation, I was able to contact XXXX XXXX and he admitted that he received my wire but he took the funds out immediately and transferred the funds to the scammer by purchasing bXXXX. XXXX XXXX has done nothing and has not responded to my bank 's request. Therefore XXXX XXXX has become an accomplice to this action by doing nothing to resolve and not following their zero tolerance Fraud policy. The XXXX XXXX would not let me make claim because I was not a member even through I had all the evidence. XXXX XXXX is indirectly assisting in money laundering and criminal activity keeping this account open and allowing this individual to laundered money.
Consumer complaint received 2021-03-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Equifax is still violating my FCRA rights and denying me access to my credit report ( see attached screenshot from today, XX/XX/21 ). They fictitiously claimed in my last CFPB complaint, which was closed in error for some reason, that they had " mailed me a copy of my report, '' which was a complete lie. I have attempted to file the previous complaints with the CFPB, which were all closed without logical reason. The prior cases were : XXXX, XXXX, XXXX. I am still being denied access to my credit report by Equifax, in violation of my FCRA rights. See attachment.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Placed a dispute on consumers credit report for XXXX XXXX accounts as follows : XXXX XXXX currently showing a balance of {$10.00}, that account is settled, closed and XXXX agreed to remove tradeline from consumers credit report. Next account also XXXX XXXX showing a balance of {$13.00} as above account, account is closed and settled and XXXX agreed to remove tradelines from consumers credit report. Last account XXXX  XXXX XXXX showing a {$0.00} balance, that account is also settled, closed and portfolio recovery agreed to remove from consumers credit report. Their policy is even listed on their website at XXXX XXXX XXXX 
Consumer called Transunion XX/XX/XXXX and spoke to representative XXXX who confirmed that disputes are still open with Transunion for above accounts and Collection agencies have failed to respond to dispute.

Consumer is just attempting to have accurate information on his credit report per FDCPA. And currently all the above accounts are showing inaccurate information and have been disputed with Transunion with no success. Consumer mailed Transunion documentation of above accounts in XX/XX/XXXX and representative stated to consumer that Transunion dispute department deemed documentation insufficient. XXXX is attempting to exercise his rights per FDCPA to have accurate information on his credit report. I have documentation from XXXX regarding deletion of tradelines. Portfolio recovery I have a screen shot from their website which states tradelines will be deleted once account is satisfied.
Consumer complaint received 2017-08-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NC)

On XX/XX/XXXX, I noticed a debt that hit my credit report and called the company. They told me it was a payday loan from XX/XX/XXXX that I apparently paid on for TWO YEARS then fell delinquent in XX/XX/XXXX. 5 years later they reported it to all credit bureaus which greatly hurt my credit. I told a representative from the company that I wanted to dispute it because it is not my debt. They insisted that it was mine so I asked for documents to be provided to prove this and gave my contact information and have not heard anything since. No emails, no letters and no more phone calls. I disputed this with all 3 bureaus and they reported that the COMPANY does the investigation and basically just told them it is mine. I HAVE NOT RECEIVED ONE LETTER OR EMAIL STATING THE TERMS OR DETAILS OF THIS DEBT I SUPPOSEDLY OWE. I did not take out a PAYDAY loan and pay on it for TWO years just to still owe {$370.00}!!! This is not my debt and it is hurting my credit that I have worked hard to fix the last 2 years!!!
Consumer complaint received 2020-08-28
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 WAS TRYING TO PURCHASE MY First home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

The credit bureaus XXXX, Equifax, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these XXXX XXXX 's, XXXX, and XXXX XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all three. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : 1. Credit cards and ID 's pictures sent to all XXXX bureaus, 2. XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, 3. Utility bill showing current address, 4. XXXX, Equifax, and XXXX Credit Reports, Dispute Forms and Dispute Results, 4. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.
Consumer complaint received 2022-10-07
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. (NC)

This is my fourth 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 XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-01-27
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. (NJ)

I have sent letters to Trans Union on multiple occassions about 2 items on my report that are not right. I requested they investigate, send me a detailed description of how they verified it ( I want names, dates, and titles of people they talked to at these companies for my lawsuit ) and Trans Union sent me half XXXX responses saying it was verified. THAT'S NOT WHAT I ASKED FOR. At this point I'm dealing with the companies legally and considering adding Trans Union to the party for continuing to ruin my reputation by reporting these accounts. Both of the companies were sent a cease and desist back in XXXX and have failed to give me what I asked for which is why I filed suit. I didn't forget about Trans Union though because looking at my reports I see they're still in cohoots with these crooks also
Consumer complaint received 2021-09-14
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. (TX)

On XXXX XX/XX/2021, I checked my credit report and noticed that XXXX hadn't updated my student loan information since XXXX XX/XX/2021. I paid the loan in full on XXXX XX/XX/2021. Since XXXX hadn't updated my credit report since XXXX XXXX, I disputed the information ( loan balance ) on XXXX XX/XX/2021. On XXXX XX/XX/2021, even though the loan had been paid in full, XXXX refused to update and give accurate information with the rationale that they weren't required to do so until the end of the month instead of accurately and truthfully answering a consumer credit dispute with accurate information. 

I have attempted to rectify this situation to no avail.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (TX)

On XX/XX/2021 Convergent Outsourcing called me 2 times, both times I asked them to never call me again. They are trying to collect a debt on behalf of XXXX in which the Company I worked for cancelled the credit card. This debt was incurred by XXXX XXXX, not myself. 

On XX/XX/2021 Convergent Outsourcing called me at XXXX XXXX  cst I once again told them to stop calling me and said I needed to call XXXX.
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I joined XXXX just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that XXXX is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CNG FINANCIAL CORPORATION (OH)

I was contacted about a loans for {$5400.00} that Check n Go disbursed in XXXX in my name. I did not apply for any funds from check n go. I explained that to them and asked for paperwork, signatures, account information that the funds were deposited into as well as a copy of the identification used to get these funds. They have never sent any of the documentation that I requested. There has to be concrete proof of this transaction somewhere.signatures, for matching purposes, an account that these funds were deposited into as well as a copy of the identification that was used to complete this transaction. This was fraud/identity theft. I have been advised to file a police report but I do not have any documentation to support my filing. I called the debt collector ( XXXX ) request information and was told that I would emailed information that they had on the account. I have not received anything from them.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

{$95.00} annual fee was charged to my Bank of America Premium Rewards Credit Card ending with XXXX on XX/XX/XXXX. I closed it on XX/XX/XXXX by phone. The customer service rep who helped me close it, promised me that the {$95.00} annual fee will be fully refunded. But after a few days, I have not seen the refund posted to my account. So I contacted Bank of America again by phone on XX/XX/XXXX. I spoke with a customer service rep and his supervisor. Both of them refused to refund me the annual fee. 

I have been banking with Bank of America since XXXX and I know their policy very well. This is my 4th credit cards with them and the annual fee of all my previous cards were fully refunded or waived after I closed them within 30 days or 1 statement period, which is also the policy of a few big credit card companies or banks, such as XXXX XXXX, XXXX, XXXX, etc.
Consumer complaint received 2023-01-27
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BMO Bank, N.A. (CA)

We have been struggling to pay our mortgage on our primary home because of the following issues : - Interest rate jumped by 5 % without adequate notice - Loss of incomes of both borrowers due to loss of employment of husband and loss of business income of wife - death in the family causing unplanned heavy expenditure The loan # is : XXXX Complaints : 1 ) We have worked with BMO loss mitigation for several months. Their process is very very laborious and set to intimidate an average borrower. They made us submit over 200 documents and many times revisions of the same documents. An average borrower would have quit easily giving way the home to BMO. 

2 ) BMO has adversely impacted the credit beginning of every month despite us being in approved forbearance plan and then working towards new trial plan. Please see attached several appeals to correct credit. Most recent one is in XX/XX/2024. 

3 ) BMO offered us a trial payment plan - but the payment amount offered us no relief. The monthly payments include escrow amounts that we have never paid before. We appealed the payment plan ( which is attached ) but was denied the appeal. 

4 ) BMO sent us expired documents to sign on XX/XX/2024- which were supposed to be returned by XX/XX/XXXX! Those are attached. 

5 ) We have dealt with following individuals from BMO : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called us and advised us NOT to email everyone and that trial plan was effective XX/XX/XXXX but BMO has STILL NOT SENT UPDATED documents. 

6 ) XXXX XXXX advised us NOT to send email to her even though she first contacted us from BMO loss mitigation in XX/XX/2024. It is very confusing who to contact in BMO and sounds like a one-way street. 

7 ) Our equity in the home is higher than BMO based on market values, but BMO has been XXXX bent on ruining our peace of mind in a difficult situation. 

Overall, BMO loss mitigation is VERY UNHELPFUL- it is intent on damaging our credit and not at all helpful in resolving the hardship even in the face of job and income loss and death in the family.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgence Legal Group, PC (CA)

I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments. 
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account. 
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect. 
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them. 
I am in desperate need of your assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Consumer complaint received 2024-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (NY)

I have been doing business with an online bank, Bread Savings ( a division of Comenity Capital Bank ) for many years in which I have always maintained an account in good standing. 

On XX/XX/XXXX, Comenity Capital Bank sent me a letter claiming a review of my account " revealed potential security concerns and/or irregular account transations. '' Therefore, they are closing my account and forbidding me to do any future business with the bank. 

I have broken no rules and have done nothing at all to deserve this. The bank refuses to convey any questions or concerns, nor have they conveyed any suspected irregularities. In sum, they are doing this in a totally discriminatory way without providing me any opportunity to explain any issues they may have. 

This smacks of discrimination ... ..closing my account without explanation or reason. I can provide you with an entire history of my transactions over many years with this bank without ever a hint of problems. 

Therefore I request an investigation of this highly unusual and totally discriminatory action on the bank 's part. I have done nothing wrong and being treated like a common criminal. 

I look forward to to your reply. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I applied to the Navient School Misconduct Discharge application. On XX/XX/year> my application was denied. I was provided a denial letter with a general response of why it was denied, no details of the denial were provided or a chance to resubmit more documentation. 

On XX/XX/year> I emailed XXXX XXXX XXXX requesting details on why my apposition was denied. I once again did not receive a satisfactory response to my inquiry it was a cookie cutter response. ( See attached ). 

In my case the school I attended has closed down and they were found guilty of misconduct. I sent A copy of a Department of Education public announcement of school misconduct related group discharge for students that attended certain for-profit schools. Which includes the XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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. (TX)

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items 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, HI XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (CO)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and requested a copy of all monthly mortgage payments sent to XXXX XXXX XXXX , XXXX from XX/XX/XXXX. The company sent a two page form for me to fill out and requested a copy of my current Identification which was included in the envelope sent to their XXXX, Colorado office. My ticket number for this request is # XXXX. I have spoken to several customer service representatives each has told me that a supervisor will be " expedite '' my issue and call back in 24- 48 hours.This has happen twice, I have been hung up on once, given wrong information, and a new case ID number. My personal information and driver license is with this company. With the lack of customer service and professionalism that I have received.I am concerned greatly
Consumer complaint received 2021-07-16
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: Experian Information Solutions Inc. (KY)

I have 4 hard inquires on Experian consumer report XXXX XXXX XXXXXX/XX/XXXX. 

These lenders have accessed your credit file : XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove all 4 hard inquires from the data report that they had issues accessing experian report.