davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XXXX I sold a washer and dryer through XXXX on XXXX. The buyer transferred {$1300.00} to me through Zelle. Zelle emailed me saying the transfer was too much since I was not a business and to refund the buyer {$500.00}, and they would then in turn send me {$1800.00}. 
I did that and received another email to send {$700.00} and they would then in turn send me {$2500.00}. My bank would only allow {$200.00} for a max additional transfer on the same day. So I sent that. The buyer had asked for the additional {$500.00} the next day because his account was already deducted {$2500.00} I was already suspicious but since the emails came from Zelle I believed they were legitimate, and this was the first time I had used Zelle. When I contacted Zelle about this the first time, their automated system said I needed to speak to my financial institution. And it was impossible to get a live person on the phone. 
I called XXXX XXXX XXXX XXXX ( my bank ) and they instructed me to contact Zelle. 

On XXXX I spoke to my CU a 2nd time and was told this sounded like fraud and to reach out again to Zelle. I called Zelle and was finally able to get someone on the phone who did in fact confirm the emails were not from them and it was all a scam. XXXX XXXX XXXX union could not reverse the withdrawals, and Zelle told me they could not do anything about this as well. 

When I informed the buyer of this, he disappeared from XXXX. 
I am attaching the emails from Zelle, the conversation between myself and the buyer, and my account transactions from XXXX showing the funds being withdrawn. 
Is there anyway to recover these?
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX, Experian, and XXXX stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the three agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions.
Consumer complaint received 2020-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2022-01-07
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: CLGF Holdco 1, LLC (RI)

I received XXXX calls from INDIGO/GENESIS FS CARD to my phone about a late payment in the beginning of XXXX. i told the rep i was never reimbursed for the XXXX credit hold from my budget rental. I was told that i would need to make the minimum payment to the account to dispute the charges. i told her i would think about it but did not understand how i was being chase down and charged for money I didn't owe. i made the minimum payment and checked my account on line. upon doing so i noticed lyft charges and no record of the hold or the money being put back on my account. i only saw that the math on the balance was wrong. On XX/XX/XXXX i called in about the hold and to dispute charges. I also had questions on the " credit hold '' that i never saw on my statement nor seen it given back to me. once i gave up on the hold i told the rep about the lyft charges that were not mine and was told that day a dispute would be done. i called 2 weeks later after still not understanding the hold and to get an update on the dispute since i was hit with interest charges on the very ones i was disputing. and was told my dispute was still ongoing. i asked about the false reporting of my credit and was told that the interest charged would be reversed, and they would take care of any negitive impact this has caused on my report once it was done. 

last week I called to check on the dispute and the the interest charges and was told no such dispute existed. after 2 days and finally speaking to someone who said they were in management i was told that i in fact never disputed. I called the next day to ask that my recorded phone calls be looked at and this Wednesday, XX/XX/XXXX, I was called to tell me in fact i did make the dispute and that they are looking into it. But, in the meantime did they want me to start the dispute now. i told them do not start the dispute now and they were give the allot time and communication to do their investigation and I wanted the charged removed right away. i was told this could be done even though I explained they were out of compliance with the federal law. 

I have paid all the charges on this Credit card except for the XXXX of fraudulent charges. I believe I'm within my rights for Genesis FS to refund my card that amount without having to go through another 60 day investigation. the amount of time it takes me to get on the phone with someone, not outsourced, is outrageousness and how they have handled my account is non professional, including the fact i was told they dont show " holds '' on cards they just take it from the balance. any and all transactions should be reported to the statements for transparency.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

I filed a legitimate dispute for two transactions for {$660.00} and {$640.00}. The Merchant after 2 months resolved the dispute and credited my credit card account the unauthorized charges. The dispute was resolved. And over with.

Citibank employees in their Security Department open up fraud claim for {$900.00}. They did this without my consent and without my knowledge. When I became aware of this and advised them to stop! Citibank sent the Police to my home based on false accusations that my credit card account is in collections and I made a threat! All blatant lies!

Citibank shutdown my credit card in numerous occasions without sending me a letter stating the reason why they closed down the credit card! Citibank employees impersonating me sent documents to all 3 credit bureaus stating falsely, my credit cards were obtained through identity theft and fraud! Another egregious lie told by Citibank. Citibank closed my account without any justification and falsified my accounts notes!

Citibank opened a fraud claim for transactions I never had any issue with! I never requested for Citibank to open a fraud claim but they did and then closed my account! All of Citibanks egregious actions towards me and harassment was intentionally done because I am a XXXX American woman and I have no rights in America. 

Citibank needs to be held accountable for their unlawful actions and harassment towards me! I am an able bodied Adult who can make my own decisions about my credit card. Citibank has caused me great financial hardship! By snatching and closing my account I am unable to pay for items that my home needs to function. They took away my credit card for no reason except they wanted to hurt me financially because of my Race! My account was in good standing and I paid my monthly bill on time and was never late! Citibank took {$4000.00} away from me and my family and it was all done because I am a XXXX woman. Citibank Reported derogatory information to the credit bureaus all to ruin my good credit status! They lied and stated my account has late payments! Thats a lie I never paid late on my credit card. Citibank harassment and abuse is ongoing and I want back my credit card and for Citibank to leave me alone!
Consumer complaint received 2020-12-07
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: CommonBond, Inc. (TX)

THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder Common Bond but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected my credit report.
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On or about XX/XX/XXXX, my Bank of America/Merrill Lynch Cash Management Checking account was frozen without any reason or notification. I have had this account for over 40 years. I am XXXX XXXX XXXX Veteran and XXXX XXXX XXXX and have NEVER had insufficient funds. 

There were COUNTLESS issues and AGGRAVATION that caused me COUNTLESS HOURS and FEES and Bank of America NEVER answered the phone after HOURS. 

Some examples of the issues include but are not limited to the following : XXXX - My XXXX Check direct deposit was REJECTED because my account was frozen so the funds were not available and I had to contact US Government to track my money down XXXX - Countless checks I wrote to people for services and credit card bills were bounced. As a result, I was subjected to late fees for some services and everyone I paid was charged {$20.00} dollar bounced check fees XXXX - Bank of America NEVER EMAILED me or called me and I was NEVER able to reach them. 
XXXX - My wife spent COUNTLESS HOURS on the phone as the account is joint and they claimed that the account was frozen because they mailed my wife a letter asking her to verify her information. However, they never attempted to call or email me to tell me that if my wife didn't respond that they would freeze my account. This is UNACCEPTABLE and I have NEVER HAD to verify any info EVER BEFORE by mail or any other method. My son who used to work in banking noted that it could be XXXX fraud and not to provide personal information. He has had a Bank of America account for 35 years and NEVER shared personal info by mail and NEVER had his account frozen.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Slovin & Associates Co., LPA (OH)

I have recently discover that someone has been using my ID and personal financial information to open up accounts for lines of credit and business transactions with companies that I do no recognize. I have several lawsuits that I was unaware of that have dubious origins and various jurisdictions. I was able to locate the XXXX XXXX items that are not mines and are fraudulent actives starting on or around XXXX to present. I have file a FTC ID The Affidavit as well as a CFPB compliant against these companies. The follow accounts and case are fraudulent/unknown/unverified : RANDY T. SLOVIN SLOVIN & ASSOCIATES/Case No. XXXXXX/XX/XXXXXXXX
Consumer complaint received 2020-12-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX a notice/XX/XX/XXXX was sent to stated company upon proof of claim/validation not verification, was sent to office of the president/risk management in addressing the ceo /cfo and its representatives. In where they were requested to provide me with competent evidence that i had a legal obligation to pay them. 
On XX/XX/2020. A Notive of Fault and Opportunity to Cure and Contest Acceptance was sent to stated company, no response. 
On XX/XX/XXXX. A notice of default and res judicata/ Amended /revised & AFFIDAVIT OR CERTIFICATE OF NON RESPONSE AND FAILURE TO CONTEST Acceptance and Agreement was sent to stated company along with a list of stated violations pursuant to the Fair Debt Collection Practices Act. No response was sent to stated address in Intital notice on XXXX XXXX. 
Since the beginning until present day, the stated company has not followed the Fdcpa laws and continously to mark negative items to my report. Ruining my reputation and causing defamation of character.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX has violated my rights. 

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.
Consumer complaint received 2023-02-01
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/2022 a check that I wrote to my HOA for {$25.00} was altered by the management company or some else, ( I say that because nobody at the management company will speak to me ) and it was changed to {$9000.00}. Once I saw that I immediately contacted PNC Bank and went to the branch where I signed the Fraud Affidavit and was told to stand by, they will be in touch. Not one time has PNC Bank reached out to me with resolution. I have been calling them regularly and all they keep saying is they are investigating and they have 120 days to reply. What makes this even worse is approximately XXXX weeks after the Fraud an investigator from XXXX  XXXX XXXX called me and said the check was deposited there and they flagged it as they knew it was Fraud and they never released the funds to that persons account. As recently as yesterday, XX/XX/2022 I spoke to the branch manager at PNC and no status change. Not XXXX person has stated that I am covered and I will get my money back. I need help bad!! I did nothing wrong and PNC Bank and XXXX  XXXX XXXX are punishing me.
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (NY)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF 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 2024-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

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 ) Flagstar has misapplied my mortgage payments and is now reporting me as more than 30 days behind in my payments. I contacted Flagstar regarding the mis-applied payments, but they have not corrected the problem.

2 ) Flagstar has charged me unearned late fees. Flagstar by their own admission ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) payments are not considered received when they arrive in the mail but only considered received after they have been processed. This practice violates mortgage collection laws. Mortgage collection laws specifically state : " mortgage payments are considered received when they are actually received ''. Not counting mortgage payments as received until after they have been processed, a day or two, or three, later, is a violation of mortgage collection laws ; any late fees charged as a result of this violation have been unearned.

3 ) Flagstar has defrauded me out of interest savings on extra principal reduction payments I have made on my loans. Flagstar misapplied my extra principal reduction payments and taken several months to correct the mis-accounting. In the meantime, Flagstar has charged me interest on the extra principal I paid in advance. i.e. I made an extra principal payment one month which was misapplied, the mistake was not corrected until three or four months later, in the meantime I was charged interest on those funds and cheated out of the extra interest savings I was due for the three or four months. These are compound interest loans and any savings in the early years add up to thousands of dollars in saving over the lifetime of the loan. Flagstar needs to back-date my additional principal reduction payments to when it was actually received.