davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NJ)

good day this complaint is about Navy Feb bank and their level of unprofessionalism. 
I got a call from the bank about a month ago talking A lady called and confirmed my information and simply told me it was a routine bank call. 
She asked if I referred any family members to the bank of which I replied to the affirmative. 
the next day, I tried logging into my account from my office laptop, all to no avail I called the bank at about noon and was told my account was closed indefinitely without explanation. 

This is not just illegal, it's outrightly wrong. I implore the bank to restore my savings, checking and 2 credit cards with immediate effect or will take this up with my lawyer XXXX
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2020 My wife called Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX   XXXX XXXX XXXX, IA XXXX ) to apply for a forbearance. She was told they would start the process. 

We got a letter in the mail dated XX/XX/2020 stating that effective XX/XX/2020 our loan would be transfered to XXXX XXXX XXXX ( XXXX ) ( XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX ) On XX/XX/2020 I called XXXX XXXX XXXX ( XXXX ) ( XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX to find out what was going on with our loan. I was told that they could see it had be transfered but that they could not see any loan details for up to six weeks and that I need to call them back every two weeks to find out. I let them know that Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX  XXXX XXXX XXXX, IA XXXX ) was working on forbearance paperwork before the transfer. XXXX XXXX XXXX said they would honor any agreement we had with Wells Fargo Home Mortgage. 

Another letter from Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX  XXXX XXXX XXXX, IA XXXX ) Dated XXXX Stating that we owed them XXXX by XXXX or the loan could require immediate payment of loan in full. 

XXXX I called Wells Fargo Home Mortgage ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX, IA XXXX ) to find out why the loan had been transfered and not put into forbearance. They had no answers. They did tell me i could ignore the letter dated XXXX seeing as the loan had been transfered. I asked them if I was going to be required by XXXX XXXX XXXX  ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to pay that amount, again Wells Fargo Home Mortgage could'nt answer. I asked Wells Fargo Home Mortgage why they didn't put the loan in forbearance before the transfer, Wells Fargo Home Mortgage said they could not find the request from XXXX. I Let Wells Fargo Home Mortgage know that I thought they where trying to steal my home and that I was going to report their practices to a Federal Agency. I asked Wells Fargo Home Mortgage who had Federal Oversite of Home Mortgages, they answered they didn't know.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R & B Corporation of Virginia (VA)

XXXX XXXX ( shown as Credit Control ( collector for doctor office ) on bankruptcy paperwork - can match Addresses between credit report & bankruptcy rpt -  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ) is reporting to XXXX  an account in collection status but account was discharged in bankruptcy XXXX XXXX, 2019. Account needs to be removed from collections.
Consumer complaint received 2021-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service Center, Inc. (OH)

I have asked that this company send me written verification of this debt owed, including account numbers, dates of service, and any other pertinent information so I could truly verify that I owe this debt. I want to be able to contact both the rendering facility and my insurance provider to be sure that this debt is not owed. This company also reports the same debts multiple times on my credit report and will remove and reage the debt and then report it again on my credit report. I receive zero communication from this collection agency.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (AZ)

XXXX XXXX filed a lawsuit to collect on a fraudulent debt. They had been notified repeatedly that this debt fraudulent yet they continued knowing that they lacked the evidence to substantiate the debt in court. This is part of a larger scheme by XXXX XXXX XXXX XXXX which uses various law firms around the country like XXXX XXXXXXXX XXXX XXXX ( which has finally been driven out of business ) and XXXX XXXX XXXX XXXXXXXX to harass and threaten American Citizens for fraudulent debts that exist only on spreadsheets and in purchase agreements between dishonest creditors, XXXX XXXX XXXX and the dishonest law firms they hire. 

This is a plain and simple violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p. In the present case there is a specifi violation of 812. " Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b XXXX Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1692k In this case, XXXX XXXX XXXX falsely claimed that they were suing on behalf of XXXX. In fact, XXXX had acknowledged that the debt was fraudulent in 2019 and claimed that XXXX XXXX had been notified.
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XXXX 2017, without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. 

The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. 

HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds.

Prior experience shows that HSBC takes complaints to CFPB as jokes and does not properly respond. HSBC knows that it can respond with a dog bone image, and CFPB promptly accepts it as a timely response and closes the case.
Consumer complaint received 2021-04-09
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. (MA)

On XX/XX/2021, I requested fro an estimated rate by filling the online inquiry on XXXX XXXX XXXX website. I consent to the soft pull. After that, I received an email with a link written " Click here for your personalized mortgage rate quote '', and it brought me to the home page of XXXXXXXX XXXX XXXX website, which did not provide the quote that I requested. On XX/XX/2021, after I filled the online inquiry, someone called me three times and I assumed that's from XXXX. However, I was not able to answer it because I was at work. It means that I never had a chance to speak with someone from XXXX until XX/XX/2021. On XX/XX/2021, I found that my credit was decreased due to the hard inquiry made by XXXX. I sent an email to their customer service and told them I consent to a soft inquiry but they did a hard inquiry. They replied and claimed that " I took it a step further and authorized a hard pull to be done '' the next day. I then asked them how's possible that I gave authorization by only filling the online inquiry, but they never respond.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Spoke with my mortgage company Wells Fargo XXXX requesting a forbearance because I have been affected by Covid-19. I spoke with XXXX to request the forbearance, she tried to put the request in their system but could not process my request. XXXX transferred me to XXXX XXXX in the preservation dept. she was unable to assist me with the request. XXXX transferred me again to XXXX, XXXX transferred me XXXX. After I was transferred 5 times and on the phone 2 hours they still did not process my request for the forbearance. Wells Fargo is giving me the run around and I don't want to lose my home. I have faxed my request to Wells Fargo requesting the forbearance. Please Help
Consumer complaint received 2020-07-23
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

My personal bank account was closed without any notice or my consent in XXXX, 2020. As I was XXXX when the issue took place, I was notified by the Customer Service ( XXXX ) representative that I could only retrieve the remaining balance through mailed checks. By the time of that phone call, they have sent the checks without any notifications. I declared my situation, and the representative promised that the news checks will be sent soon and received 7 to 10 business days upon my inquiry. 
In late XXXX, as I still havent received the checks, I called again to follow up. After a quick check with another CS representative, I was told that the checks were sent to a wrong address, and no further details were disclosed. The representative corrected the address with me, and told me that the bank will re-send checks. In XXXX, several letters notifying about the address change and my inquiry were delivered, yet still no signs of the refund. 
In early XXXX, a check corresponding to my checking account balance ( XXXX {$2700.00} ) ( XXXX ) was finally delivered, while the check of the balance on my saving account ( XXXX {$11000.00} ) is still nowhere to be found. I believe that, this delivered one is a proof of the address to be valid to collect the mailed checks, so I called the customer service again to follow up. This time, I was able to communicate with a supervisor, and obtained a UPS tracking number ( XXXX ) of the primary mail. However, the tracking status was shown as delayed, and later directly returned to the sender somehow. UPS failed to provide the exact reason. After another call with XXXX  in late XXXX, the representative promised to re-mail the check, but this time, refused to provide any tracking information. 
After around three weeks, the check has still not been delivered, which led me to call the XXXX again on XX/XX/XXXX. The representative first claimed that their job was to send the check and he had no idea which it is not received yet. Additionally, when he offered to send a new check, I requested to first investigate what happened to the previous one and asked for a tracking number to confirm. I believe it is a reasonable request due to the repeatedly failed attempts, yet the representative refused to help and keep doubting if I have truly received a real tracking number. It was a futile conversation with him questioning me if I am asking for a check number or a tracking number. Therefore, I requested to directly speak to a supervisor for further explanation, and a supervisor named XXXX took over, promising me to further investigate the issue and to call me back on this Monday XXXX XX/XX/XXXX, XXXX time ). I gave my XXXX  mobile and a local number of a friend as back-up, yet no call was received. 

Please see the attached letter for more information.
Consumer complaint received 2021-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/2021 CAPITAL ONE has received notice of documents ( certified mail/return receipt ) I the consumer have sent a validation of debt letter to CAPITAL ONE. A cease and desist pursuant to federal law 15 usc 1692c ( c ) has been sent with my specific Demand to remedy pursuant to 15 usc 1692c ( c ) ( 2 ) with removal of all my private information from all the credit reporting agencies. CAPITAL ONE has also received my affidavit of fact stating they are in violation of federal laws pursuant to the fair credit reporting act. CAPITAL ONE has given my private information to non-government organizations without my direct consent. Pursuant to 15 usc 1681b ( a ) ( 2 ), CAPITAL ONE has reported private information and as a federally protected consumer I have a right to privacy pursuant to 15 usc 1681a ( 4 ) and my right to privacy has been violated. CAPITAL ONE is in violation of 15 usc 1681b ( a ) ( 2 ) permissible purpose, they do not have my direct written consent to list any information about me the consumer and so the information can not be furnished to a credit reporting agency. CAPITAL ONE has been instructed by myself the consumer to remove all of my personal/private information from all credit reporting agencies.
Consumer complaint received 2023-04-04
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2021-08-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (WA)

I refinanced my car with XXXX XXXX and the payoff check has been sent in twice now, neither time has the check been cashed and I've received Calls demanding payment or telling me that my credit score will be compromised and my car repossessed despite the fact that the company is simply not cashing the buyout checks. The first buyout check was sent in XXXX, was not cashed and therefore after a month a stop payment was placed on that check. Another check was sent to them on XXXX and I have confirmed receipt on XXXX from my refinance company who has the tracking information from XXXX that it was delivered. I am told that the hold up is because my refinance company hasn't issued a new check which is false. I also was contacted by Bridgecrest to inform me that the check was received and that there was a {$140.00} or so difference between the check and the actual buyout amount which I paid over the phone and was told that my account was resolved. You can even see on my loan payment history that the buyout check was applied and then removed and further late fees were assessed after that happened as well. My refinance company tells me that they have a number of clients that this very same situation is happening to with regard to refinance from Bridgecrest specifically and frankly it feels like retaliation for refinancing my vehicle. I need this issue to be resolved with no detriment to my credit. I am being fed contradictory information from my original financer ( Bridgecrest ) and my new financer company ( XXXX XXXX ) is very frustrated at this situation as well as they are dealing with a number of accounts experiencing this exact issue.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (DE)

Home Depot has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GABA LAW CORPORATION (UT)

In the XXXX my husband contacted XXXX XXXX collections in regards to an account that appears on our credit report. The company referred him to their legal department ( Gaba Law ) stating they are only the ones that control this account.My husband spent two days attempting to contact Gaba Law. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (DE)

on XX/XX/21 I was scammed into using my American Express card to purchase a XXXX  Gift card for {$500.00} at a XXXX drug store. I already spoke to American Express and they suggested I contact you to report fraud. the drug store already put through the transaction and my card was charged for the {$500.00} charge. I wish to have this charge removed as it was fraud. a man named XXXX, said he was from American Express fraud section said that the XXXX put in a preauthorized request for {$2000.00} at XXXX XXXX  on the XXXX and that I confirmed the request via my cell phone. I never got any request. 

He told me the card was for security reasons to negate the {$2000.00} request. 
The original fraudulent activity was from XXXX. I spoke to a XXXX at ext XXXX phone number XXXX ID number XXXX case number XXXX. XXXX XXXX me to the American Express number and it turns out to be fraud. just in the past 2 minutes I got a call from the XXXX XXXX person suppose to be from XXXX XXXX. I told him I was reporting this to the government right now
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

Hello, For 3 weeks now Experian has been reporting incorrect utilization on my report. With a number thats not even possible - 337 % Utilization ( please see attached doc ). Theres no such a thing, as 337 % Utilization. It should be 25 %. XXXX and XXXX  is reporting quickly. But Experian doesnt it and it make it difficult to dispute anything