davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I was hit by identity theft in XX/XX/XXXX my online banking was breached where my username and password were changed I filed an internet fraud claim but at the time I could not file a check claim for the two checks that were in there unbeknownst to me one of the checks was given to a detective XXXX XXXX of the XXXX County Sheriff 's Department in XXXX Wisconsin ( XXXX ) XXXX in XX/XX/XXXX I was instructed to me with Detective XXXX XXXX I 'm the XXXX County XXXX 's Department XXXX Indiana and a detective XXXX XXXX ( XXXX ) XXXX of the XXXX Indiana Police where I was being looked at as a suspect for producing a counterfeit check to Bank of America I have tried on numerous occasions to get Bank of America to talk with the officers and Release Me From the XXXX XXXX XXXX XXXX they have reported me too according to XXXX XXXX  Bank of America is reporting me as someone who has defrauded a bank and committed check fraud this information is wrong on several occasions I have written letters both detective XXXX XXXX and detective XXXX XXXX have said they have contacted Bank of America 's Risk Management Department and said that they 're reporting of me committing check fraud is wrong I have talked with XXXX and tell check regarding the amount Bank of America Claims I owe however both those entities both XXXX and tell check claim that even if I pay the amount of Bank of America says that they entitled to it will not remove me from the XXXX XXXX XXXX to date there has been no investigation by Bank of America regarding anyone else or the people that used my account it is at my request that I ask no I demand that Bank of America call detective XXXX XXXX and detective XXXX XXXX immediately to get me removed from the XXXX XXXX XXXX and get that off my Consumer Report I have sent numerous documentation the officers have sent their reports and have told me numerous times that my name has been cleared of any wrongdoing the fact of the matter is when a customer needed help and ask her financial institution to assist her with the identity theft she was going through Bank of America through their consumer under the bus and did nothing and continued to not do anything this has resulted in undue stress and XXXX XXXX on me my family my business and my employees due to the fact that Bank of America continues to report me to XXXX XXXX as someone who is defrosted a bank I am unable to open any account at any Bank as well as anything that had anything to do with a bank my mortgage my credit cards not only on the personal side but also on the business side my money market account the bank that had my IRA all those are closed because they are all done from a bank I feel that Bank of America should at least try to assist their former customer in putting this behind her and helping her get on with her life I think they 're FDIC funding should be revoked immediately
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for one of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. Transunion was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for XXXX because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for XXXX is listed in the report that was sent to me, and no phone number is listed on the website.
Consumer complaint received 2015-12-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMPUTER SCIENCES CORPORATION (NC)

In 1991 my wife and I received a XXXX loan due to the earthquake in California. After a year or two they sold the loan to CSC Logic. For the last 22 years I have been trying to secure an annual statement from them showing beginning balance, payments, total interest, principal reduction and ending balance. I can not get to any managers, officers or find the company online. The only information I can get is their a division of CSC
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. Midland Credit Management is reporting an alleged debt and they are tarnishing my reputation and harassing me. I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed.. According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts published from Midland Credit without my permission; using my name and personal information by which to do so. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.
Consumer complaint received 2017-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BHFC Financial Services INC (CO)

I am an auto dealer that had a loan approval thru the finance company BHFC. I went and bought a car for a customer based on the loan approval from this finance company and when we sent it in for funding, after MANY recorded calls, XXXX from BHFC, declined the loan package after we sent it in for funding. His first response was, the customer was using multiple SSN 's,  then he said no, that was n't the case, he had had a recent repossession. I had in good faith sent the lending institution this application knowing my customer had credit issues. Our dealership is small and we do n't pull credit reports, so we rely our banks to do their due diligence to approve or deny credit. This lending institution gave both me the dealer and my customer a false credit approval, based on their own credit bureau pull and further more, changed their approval into a decline based on nothing anything other than a change of heart. Not cool, not okay. I realize nothing will be done today, We as a dealership will never do business, but please, look into their practices.
Consumer complaint received 2017-10-07
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: WELLS FARGO & COMPANY (SD)

I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been working with SPS since XXXX of 2016 my file for modification was denied in XXXX I have submitted the additional income that was not calculated in the application and to today every time I call each representative is telling me something different.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

pull up XXXX or XXXX on my online statement, its gone ( ironically ). THis is NOT the first time they did it, they have allowed XXXX XXXX to take money from me XXXX three times and said well if you authorized it once who is to say you didnt allow them to take it again ( which I didnt, I cancelled the account ) and they also did this with an depposit back in 2014, we made a deposit back in 2014 and the amount total we put down for the deposit they said was wrong, we kept doing the math and it was correct but they kept saying no your XXXX dollars over, well 2 years later, they send us a letter saying 'we made a mistake in a deposit you made in 2014, the original deposit amount was correct so we are sending you a check for the amount that was taken out ) now the account would NOT have been closed but THEY closed it after I kept calling about the charges to XXXX XXXX and I would NOT stop trying to get the money back they allowed a company to take without permission so they closed the account said thats done ...
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

The scammer posed as a friend of mine though XXXX. Convinced me to do an investment to earn a big money return. I sent {$600.00} and I was told that with my investment I would receive a return of {$20000.00}. Before having my money released to me I needed to send {$1500.00} to pay the IRS a fee to get my money. After sending the {$1500.00} I was asked for my password as a security to release my money. Shortly after, my account was taken over and the scammer has gone into a domino effect to reach others. Through my email notifications from Wells Fargo and XXXX I was able to find a name, emails and phone numbers linked to this scammer. Name ( s ) : XXXX XXXX and/or XXXX XXXX XXXX XXXX : XXXX and/or XXXX Phone Numbers : ( XXXX ) XXXX and/or ( XXXX ) XXXX. Location reported near XXXX TX. I have reached out to my bank and they gave me a provisional credit and reversed it. Now I am negative in my account and they are not willing to help me further.
Consumer complaint received 2017-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

My last XXXX banks someone has been able to steal all my money and use it to reroute my mail steal funds by overdraft bill pay and inflated utility bills also has stolen my identity to get a home loan car loan credit card line of equity and formed an LLC fleet trucking co and modify my credit reports bank statements ect. All made possible by network monitoring and hacking my network and all my devices this has also been done to my mom who died in XXXX {$25000.00} stole lawsuits filtering it through the LLC with a tax ID totaling in the millions and taxes claimed also
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX disputes 2 charges in the amount of {$95.00} and {$2.00} Bank of America violates laws by refusing to dispute certain charges on XXXX XXXX XXXX. 
XXXX disputes 2 charges in the amount of {$95.00} and {$2.00} and asks for immediate permanent credits or he will take boa to small claims court which is not precluded by any agreement and which right he has not renounced. 
On XX/XX/XXXX, records reflect that claims were initiated online for a transaction from XXXX XXXX XXXX in the amount of {$95.00} and {$2.00} that posted to the account on XX/XX/XXXX because no goods and no services were provided at any time. In addition, account was charged the associated Foreign Transaction Fee in the amount of {$2.00}. 
Boa ignores disputing charges for which complainant will sue boa in small claims court unless these charges are reversed because neither goods nor services were provided. 
XXXX XXXX asks for immediate permanent credit of both and all finance charges and stop calling finance charges interest charges in order to deceive consumers. 
Boa fails to treat customers as people but is too big to fail. but boa continues to fail because it has no incentive to change. Perhaps boa should fleece third world customers as it would be easier since English is poor.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

Hi! I am writing in hopes that someone somewhere can help me I put my card on file at a budget rental car place on XXXX/XXXX/2016 on XXXX/XXXX/2016 they took out XXXX and some odd cents out of my account the funds were never available in my account so it went through and caused my account to overdraft I am not opt in overdraft protection so it should have never went through now I am having to dispute charges and wait 90 days for something I should have been protected against and I 'm livid and every customer service agent I get gets me no where.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I made a travel purchase in the amount of {$550.00}. Due to issues with the room, the manager at the hotel ( XXXX in XXXX XXXX ) reversed the charges and processed a refund for the total amount of the stay. *Please refer to email conversation attached. 

I called Capital One to see if they received the refund on their end and when I should expect the charges to be refunded to my account. The CSR I spoke with stated I needed to wait 2 billing cycles. This seemed abnormal to me. 

I logged into my Capital One account XX/XX/XXXX and noticed there was an additional charge in the amount of {$420.00} - I did not make this charge. I called Capital One to file a dispute on this charge. I was provided with Trip ID # XXXX and was told I would receive a call on Monday XX/XX/XXXX. No call was placed to me. I then placed an additional call to Capital One on Tuesday XX/XX/XXXX, where the new CSR I spoke with stated a dispute was never filed on my behalf. I asked to speak to a manager, which I was never transferred too. Instead I was transferred to the loyalty department, then to the travel department. 

I also sent an email to XXXX on XX/XX/XXXX, asking for manager assistance and explained that I had fraud on my account. No reply was given to me. 2nd email was placed on XX/XX/XXXX. 

4th attempt at settling this dispute was made on XX/XX/XXXX. I spoke with a rep, gave the trip ID number, but she stated that she could not see any travel made under my account. 45 minutes later, I am still on hold and this fraud is still unsettled.

*Documents attached are emails from manager at the hotel re : charge XXXX that is supposed to be reimbursed back to me. 
*Account statements w/ charges *Email proof to Capital One *Proof no travel was made under my account.
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Circle Internet Financial ()

I would like to bring your attention to a serious issue I have with Poloniex wires that first took place on XXXX of XX/XX/XXXX to a FRAUD SCAM Broker : XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Scammer. 

The funds were transferred utilizing Poloniexs services in the total amount of XXXX XXXX! I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Poloniex. 

My money was not in use for any actions ; it was simply transferred to the owners wallet account. Since I did not purchase anything and I did not invest in anything, my money was not in use for anything, and it was simply pocketed by the beneficiary account holders.
Consumer complaint received 2017-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

When Navient was still a part of XXXX XXXX, I was right out of college. I had taken a job in a different city and had rent and utilities to pay. When I called to discuss my options, the only one given was forbearance. Not knowing any better and not being able to afford {$700.00} a month, this is what I went with. The velocity that the interest would accrue was not disclosed. Because of this, Im now stuck. After years of struggling Ive finally found a decent job. Getting a masters is vital for advancing my career, but I just cant do that right now. I fear I will never be free of this, all because I was not properly and responsibly advised. I like many other need help.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attempted to dispute my debt to all three credit bureaus. I received no debt validations of response. I've sent certified letters on dates XX/XX/2021 and XX/XX/2021. I also filed a non compliant notice certified on XX/XX/2021. i did not receive certified response from any bureau.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX, in XXXX California, pulled a hard inquiry on my credit report without consent. I specifically requested them not to pull a hard inquiry, to which they responded that they would not. 

They asked for my social security #, and I provided it, after being told they would only use it for a soft inquiry, in order to come up with a preliminary loan payment.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (FL)

To whom it concerns, The debt is settled with National credit systems. I have the credit card receipt. The agent said it should be noted to my account by the next Monday. However, it has now been 6 weeks. They sent the email to retrieve the paid in full letter. It is not there. I have left them messages and no one has returned my call. 

I need the letter and the debt paid in full and off my credit report ASAP! 

Thank you
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo- I sent {$500.00} via XXXX to someone for a puppy purchase on XX/XX/2020 and discovered I have been scammed. Sent them proof I was scammed and was told they are not responsible and could not help me. I filed a complaint with XXXX to discover this company is a whole scam.I advised XXXX and Wells Fargo if this also. No response I also reached out to XXXX about the gift card being scammed no help
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NC)

On XXXX XXXX XXXX XXXX  I received a charge on an Apple Credit Card ( Goldman Sachs ) for {$340.00} from a local church in XXXXXXXX XXXX where I reside. I have no affiliation with this church and do not identify as one of their followers ( XXXX  ). On this date I was also in XXXX on vacation with my wife. I contacted Goldman Sachs and they said I needed to provide evidence. I contacted the church and the pastor told me they do not accept XXXX credit card payments and they never received any donation from me. I took the email from the pastor and provided it to GS. I also provided my travel itinerary from my trip and a copy of my weekly donation to my local XXXX XXXX  I also reached out to XXXX but they were unable to assist me. Also another thing to note is the credit card is just a number, there is no physical card and was opened to finance a new XXXX purchase. Ive disputed this charge 4 times with no success and no clear explanation as to why it will not be overturned.
Consumer complaint received 2021-07-05
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. (DE)

Re : XXXX XXXX XXXX & XXXX XXXX XXXX Dear Sir or Madame : Your company recently investigated and supposedly verified the above referenced account. I have contacted this company recently via registered mail requesting " Validation ''. I have yet to receive a reply from them. Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for your consideration. The FCRA maintains that the reporter of the account validates the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process. However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the accounts in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information can not provide any information linking me to said account. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX That being said, you have three options : -Delete the accounts based on the evidence supplied by me -Provide the Procedures used to verify the account -Do nothing and face a small claims court lawsuit Note : A simple list of creditor names and numbers will not be considered Procedural Evidence - I request the exact means of verification along with the names and numbers of all individuals involved in the verification. I will state again for the record - The account is not mine and the reporter of the account will not verify. Please delete the account or provide the requested information. Please reply to my request with deletion or the requested information within 15 days as prescribed by law. 

Sincerely, XXXX XXXX