davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The company did not read the prior complaint and address my concerns. The company refunded the junk fees as requested ( thank you ) but did not close the account and remit the balance to me as I have been requesting they do since XX/XX/2023. Instead they focused on the reporting of the account to my consumer credit report, which was not part of the complaint. But, thank you for verifying that you were not reporting me negatively. 

I should of made the request even simpler. 

1 ) Return the Junk Fees that were assessed to my account. 
2 ) Close the checking account. 
3 ) Remit the balance of said checking account to me. 

Not sure why the BOA branch manager I talked to in XX/XX/2023, and the BOA representative who handled the 1st filed complaint with the CFPB can't understand the request.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Please delete the fraud alerts and extended fraud alerts from all 3 bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL INFORMATION.
Consumer complaint received 2024-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (PA)

On today XX/XX/2024 I received a letter dated XXXX in removal of representation in which is nothing but a lying scam from Wells Fargo. First they scammed me out of {$3000.00} with this 3 month XXXX Mortgage in which they stated afterwards I will be paying the regular loan modification rate. However this isnt the case despite me fulfilling all of their allegations. If they cant follow through with their obligations XXXX like a refund of the full {$3000.00} and for them to stop putting my residence in Foreclosure and to instruct their attorneys to stop their illegal activities of putting my house on the Sheriff Sale List. Despite their XXXX Department informing me that their Lawfirm was wrong for doing this.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (DE)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX and XXXX XXXX I have attached a copy of the ID Theft Report with this complaint. The report number XXXX please review.
Consumer complaint received 2018-10-01
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: EQUIFAX, INC. (PA)

i had contacted many times XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditorto remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -XXXX Inquiry from XX/XX/2018
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has kept my account in a " restricted status '' from the time I first received my credit card. I spent hours with them on the phone, on numerous occasions, to try to get the restriction lifted. I sent them all documentation that they required with no success. I told them repeatedly that I did not want to renew the card and that I wanted to pay any balance and close the account. They allowed me to make a payment and I paid the balance down for everything except the {$95.00} renewal fee, which needed to be removed. They told me they could not remove the {$95.00} renewal fee until my " restriction '' was removed. They are the ones who will not remove the restriction ( for reasons unknown to me ), yet they continue to wrongfully bill me for the {$95.00} renewal fee, and now, penalties and interest related to that fee. My last conversations with them were on XX/XX/21 and XX/XX/21. I sent them a certified letter on XX/XX/21 to set up a written record of what has transpired, and the letter contains further details. I will attach the letter to this complaint if allowed. In addition to the above, I believe that Capital One has probably been making negative comments to credit reporting agencies that will wrongfully impair my credit rating. It is shocking to me that a company like Capital One could do this to a consumer and get away with it. I am hoping that the CFPB can do something to protect me in this instance.
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (NY)

I've advised Experian about an update my creditor agreed to do on my report and asked them to do a phone verification to expedite the process. unfortunately, Experian refused although I made them aware it could cause me damage while I'm now applying for a mortgage.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are several credit inquiries and accounts opened under my identity between the dates of XX/XX/XXXX - XX/XX/XXXX. In addition, my personal debit card was compromised and I disputed the purchase made on a both my debit card and a XXXX XXXX account that i never opened. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Disputed purchases : XXXX XXXX transaction at XXXX {$280.00} on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized credit card opened on XX/XX/XXXX XXXX / XXXX 's purchase {$160.00} - XX/XX/XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fay Servicing, LLC (CA)

In willful violation of Consent Order XXXX, FAY SERVICING LLC has caused a Foreclosure Action to be taken against my estate by filing false fictitious forgery documents in the SUPERIOR COURT OF CALIFORNIA COUNTY OF CONTRA COSTA XXXX XXXX XXXX XXXX Loan # XXXX even though the Order strictly forbids FAY SERVICING LLC from moving forward with any Foreclosure at XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX standing and proof of claim. A Writ of Possession and Eviction to be executed on or around Wednesday XX/XX/2023 has been issued XXXX # XXXX, Contra Costa County Sheriff 's office Civil Unit, XXXX XXXX XXXX, XXXX, CA XXXX lacking territorial jurisdiction i violation of due process. ( XXXX ) XXXX. FAY SERVICING LLC, XXXX XXXX XXXX XXXX XXXX  are currently engaging in Mortgage Foreclosure Fraud, Financial Identity Theft and Breach of Fiduciary Duties among many other financial crimes without remorse or regard to the interest of the public trust.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

To Whom It May Concern : I have had a checking account with Truist Financial Corporation since XX/XX/XXXX. Over the course of several years I managed to save {$23000.00} in that account ( # XXXX ). On XX/XX/XXXX I created a savings account ( formerly # XXXX ) and moved {$20000.00} from my checking into savings. 

On XX/XX/XXXX I received a letter from Truist dated XX/XX/XXXX stating my account would be closed ( reference case number XXXX ). The online statement in the Truist app indicated all of the funds were actually withdrawn and my checking account was closed on XX/XX/XXXX. I went into the local branch the next day on XX/XX/XXXX and was able to provide the necessary information to verify my identity, which was identified as the issue, although not explicitly stated in the letter. 
At that time, a local representative informed me my savings account was closed and I would receive a check in the mail in the next XXXX weeks. Several weeks passed and I did not receive my money as was initially stated. On XX/XX/XXXX I returned to the bank and found out they were conducting a fraud investigation. 

I was informed the fraud department showed I deposited the {$20000.00} in one transaction to my savings. This is technically true, but I saved the entirety of this amount in my checking account prior to the transfer to my savings. I have documentation to support this. A representative from the local branch discussed this with the fraud office, but they still refused to release my money. I called to follow up and there have been no actions taken on my case ( XXXX ). It has now been over 35 days since my account was closed by Truist and I have not had access to these funds.

This investigation has been an overall hardship for me and caused me to delay payments. Truist 's inadequate communication and the inactivity in the investigation has required me to make multiple visits and calls.

I am writing to file a complaint against Truist for their poor customer service and for taking longer than 35 days to return my funds. Given there is adequate evidence to support my claim there is no fraud, their delay tactic feels predatory. I am concerned their investigation will result in a finding against me and Truist will retain my funds. I have supporting documentation if the CFPB requires it for their complaint process.

An ideal outcome would be for Truist to complete their investigation immediately, return my {$20000.00} along with the interest I would have earned during this time frame.

Thank you in advance for your assistance in this matter. 

Best, XXXX XXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I XXXX XXXX XXXX, disputed errors with Trans Union that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates Trans Union Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CT)

Hard Inquires on both XXXX XXXX and XXXX that are not mine. 

Navy FCU XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Navy FCU XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information US BKPT CT TX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/2020, my daughter, XXXX XXXX was notified that USAA bank has decided to cease all banking business with her. They asked that she please go ahead and make the necessary steps to move all direct deposits. This also included stops of any debits that normally come out of the account monthly. As my daughter has stated on several occasions, this is fine and we can move to another bank ; however the day that USAA decided to close the account and place the account on credit hold, was the day after my government funds from the VA could be moved. I get {$1600.00} from the VA each month. While I am fine with paying USAA what my daughter owes to settle this and be done and settled. I have explained this to USAA reps several times over the last few weeks.Apparently the fraud department has decided to place the account on credit hold and hold all funds. This is rediculous especially when the provisional credits that are in question are far less than the money deposited in the account. 
Also, my daughter sent information that the bank needed on XX/XX/XXXX regarding the disputes which lead up to the USAA decision. She even filed a complaint on XX/XX/2020 with CFPB about this matter and the results were USAA is currently working on it. USAA is not working on anything, they have made their decision which is totally unprofessional of a bank. When you call the XXXX number for USAA they state to tell your representative that you are having a hard time and they will do what they can to assist. Well as of XX/XX/2020 I have tested positive for COVID. I need my monthly funds for not only my bills and meds but the meds that are being prescribed to me by my doctor. PLEASE HELP. and having XXXX at USAA call my daughter to say i feel sorry for your mom but not you, tell your mom to wait until XX/XX/XXXX is literally a DEATH SENTENCE. ALSO, PLEASE NOTE THAT A LETTER WAS NOT SENT OUT TO MY DAUGHTER UNTIL AFTER HER INITIAL COMPLAINT WITH CFPB WAS FILED. USAA HAD NO INTENTIONS ON SENDING INFORMATION BY MAIL. AND THERE IS ONLY 2 LETTERS NOTIFIYING OF 2 PROVISIONAL CREDITS BEING WITHDRAWN NOTHING FROM THE PREVIOUS DISPUTES ONLY WITHDRAWLS. 

NOBODY SHOULD BE WITHOUT THEIR GOVERNMENT FUNDS DURING COVID AND THE HOLIDAYS. MY DAUGHTER LITERALLY BEGGED XXXX TO RELEASE MY FUNDS.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (ID)

I submitted a Private Mortgage Insurance Waiver Request because our home has increased in value and I believe we can have PMI removed. I submitted this request on XX/XX/21 by email and recieved a response from our bank ( Flagstar Bank ) on that same day that they would begin processing my request and get back to me in 14 days. I called one month later and I am told they do not see my waiver in the system and will have to escalate to resolve. Their failure to process my request in a timely manner is causing me to continue to pay unnecessary PMI.
Consumer complaint received 2017-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I started school with XXXX in the program of CDD which was computer aided drafting and design. The school had tactics that lied to me. Stating that they were only taking part of what was in the loans because financial aid would cover the rest. They took all the loans for all the period I was with them. I never saw any of the paperwork that we 're getting me to sign. They would make me sign it or I could n't attend classes. I graduated in XXXX of XXXX, started in XXXX of XXXX. Can not get a job in the career I studied. And now can not refresh my studies like they promised to be able to try to get a job in my career. All products were highly outdated. School teachers did n't even have the credentials to be teaching. I even taught a class in their teachers absence because I had good knowledge and a XXXX gpa in classes. The loans are a joke. The initial loan was a little over {$25000.00}, now it 's over XXXX just interest has doubled it. I have made payments when it was XXXX XXXX, but then they changed to navient and they show as if I have never made a payment to them. I 'm sick of being harassed about deferment, because I ca n't get a job in my career.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My loan servicing company Specialized Loan Servicing is going to report negative information to the credit bureau due to utilizing COVID-19 payment deferral on my Federally guaranteed mortgage. Our payment deferral ends XX/XX/XXXX and in order to avoid any negative information being reported I must pay the full balance owed. This is not what the provider told me when I signed up for the deferral. 

At the time they explained at the end of the 90 day period they would break up the amount owed over 6 months and as long as we made the payment no negative information would be reported. 

Now they are claiming that since I will no longer be in a forbearance but a repayment plan that they must " report accurately '' the status of the account showing I am 90 days late but also in a repayment plan. Basically they are violating the Federal Law which prohibited reporting of negative credit information due to COVID.

Specialized Loan Servicing is a HORRIBLE organization. You want to speak to a supervisor you have to wait days for them to call you back. 

They should not be allowed to manage Federally guaranteed loans. 

I do not want my credit damaged simply because we postponed our payments for 3 months and they told us at the time that they would provide repayment options that would allow us to repay the funds without damaging our credit. 

Now they are changing their story and basically our credit will be damaged.
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SC)

There were several transaction made through XXXX ( unauthorized by me ) very suspicious and the bank didnt catch them. Six transactions in one month I didnt see until too late. I disputed through the bank and they respectfully denied my claims. They were sent to a fake person and the bank can not tell me what device this money was transferred from. This has previously happened to me and the money was compensated because they determined it was indeed fraud. I have been hacked thru two banks and XXXX credit. And wells Fargo is the only bank whom has denied my claims. I am very unsatisfied with the outcome as I have lost XXXX $ in just a months time.
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (CO)

I recently modified my loan and was told the modification included all fees. The bank is now adding on late fees from prior to the modification telling me I am responsible for them. This violates the truth in lending laws. SWBC is the bank that holds my mortgage and that has violated the law. The modification was signed XXXX XXXX,2017.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX, I opened a checkin account at BMO Harris. On XX/XX/XXXX, I deposited XXXX $ worth of checks with mobile deposit. They started a fraud investigation. Around XX/XX/XXXX, I was told the account was closed and I would recieve a check. On XX/XX/XXXX, I see on my account " Close '' and XXXX XXXX Around XX/XX/XXXX, I never received that check. I called, and I was told that I would not received a check, that is the standard script they read. Instead, my money was put in unclaimed property. They refused to give me any form of documentations, paperworks, nor any procedure to recover those funds. Only that XXXX  XXXX  have to claim the money. Signature bank ( now XXXX ) doe n't know what to do, they ask for a letter for misapplied funds. BMO refuse and ask for an Hold Harmless Letter. So I am stuck between those two banks.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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