davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation (TX)

I received a card in the mail from Albert Cash that I did not sign up for or authorize. I have attempted to reach Albert Cash by phone many times to report the issue and I am unable to get to a person. I have sent emails to them and I have not received any reply 's. I mailed a fraud packet to them that contained an 609e letter, an FTC Identity Theft Victims Complaint & Affidavit, my police report information and my identity documents. These documents were delivered on XX/XX/22 and on XX/XX/22. I have received no response to these documents either.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Transfer of funds via online ( transfer of personal funds with verified personal accounts ) not executed for a very large amount Sequence of events : 1. I had money in 2 accounts in HSBC as of XX/XX/XXXX : 2. I transferred the money from both the accounts to my own trusted account XXXX on XX/XX/XXXX after talking on the phone with an HSBC associate that helped me. 
( Attaching the electronic transaction confirming the disputed request ) 3. I called XXXX, and they assured me that both the money was transferred it was reflected on my statement as of XX/XX/XXXX XXXX. On XX/XX/XXXX I called HSBC again. The associate assured me the money was transferred and helped me close the account. 
5. On XX/XX/XXXX I was told by XXXX that HSBC recalled the money due to insufficient funds 6. I have been calling XXXX every day to find out where my money is starting from XX/XX/XXXX. They assured me that they will look into it. 
7. I again called HSBC on XX/XX/XXXX, and was told it will take 3 to 5 business days to get my money back. 
8. I again called HSBC on XX/XX/XXXX and was told that the money will be overnighted to me. 
9. I again called HSBC on XX/XX/XXXX asking my call to be transferred to a manager. The escalation XXXX, XXXX, spent XXXX hours updating on the situation. He informed me that back office is closed at XXXX EST, and he will call back the next day at XXXX pm EST personally. 
10. I did not get any call back from XXXX, so I called again on XX/XX/XXXX at XXXX EST and talked to XXXX XXXX Escalation Manager, ID # XXXX and spent more than an hour. She called Exemption team who informed her XXXX team has the money. XXXX, Manager of XXXX team, has access to the holdover account, which the fund will be drawn from to refund to me. I escalated the issue to XXXX manager, XXXX, a Team Manger to call me with an update. I never received a call back. 

Currently I do not have my money, and am not sure when or if at all I will get it. 
Please treat this as an urgent request from a customer trying to get her savings of 10 years back from HSBC. 

I can provide other details on request
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

On XX/XX/XXXX there was an unauthorized withdrawal of {$1500.00} from my bank account. I submitted a dispute on XX/XX/XXXX but the bank doesnt respond to any messages and I still havent received my money back.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MISSION FINANCIAL SERVICES CORPORATION (CA)

There is a company called MISSION FINANCIAL SVCS personal loan company who run my credit without my permission and did hard inquiry on my credit. I realize this few days back when I was applying to buy a new car. I need to sue that company for without matching someones ID and simply run the credit by just getting SSN.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (TX)

On XX/XX/2022, I was sent an email from XXXX telling me that my score decreased. When I logged in, I saw a company by the name of FRANKLIN SERVICE , INC. Not only did they illegally and unlawfully report on my consumer report, the representative I called and spoke to on today ( XX/XX/2022 ) was VERY rude. The rude representative told me they purchased this alleged debt from XXXX XXXX XXXX. This is causing me XXXX because of the XXXX. My credit dropped and I can not stop thinking about all of the damages this is causing me and my XXXX kids. They never had my written or oral consent to have my personal information. They are breaking federal and state laws.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX this is a statement verifying my identity along with my proper identification attached. I received a letter stating this company believed that I didn't dispute the information in fact it was me so moving forward I would like to receive correspondences via this portal.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

ECSI, a collection agency, reached out to me on behalf of an old debt to my XXXX XXXX XXXX In XX/XX/XXXX, I paid ECSI {$980.00}. The rep at the end of the call told me my account was paid in full and I would receive a letter in the mail stating as much. The letter I received from ECSI dated XX/XX/XXXX now has a past due balance of {$130.00}. I called ECSI at XXXX and they said I now owe a balance of {$250.00}. I do not understand how it is possible I owe additional money when I was told by their representative the balance had been paid in full in XXXX. I do not understand at all what they are even charging me for. I requested an itemized statement which I have not yet received. The ECSI rep indicated itemized statements could be obtained on their website at heartland.ecsi.net, however, I am unable to access. I graduated  from XXXX XXXX  in XXXX and have taken proper steps to remedy this debt, however, this company is trying to scam me out of even more money with no explanation! I would like for this company to provide an itemized statement, an explanation for how I was given a wrong total amount due in XXXX, and/or forgive the remaining balance down to zero. I would also like to note this company 's practices seem unethical as they do not make it clear they are a debt collection agency as required by the FDCPA. The representative insisted she was " XXXX XXXX '' even though XXXX XXXX verified they are a third party collection agency. They also sent a letter on XXXX XXXX XXXX letter head, which again, seems fishy. Please help, thank you.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion refuse the remove old accounts from my credit report which is seriously affecting my credit score. First there are two derogatory marks on my credit report. I tried many times for the past three years to get them remove with no success. Second you can only dispute one of these account for both accounts coincide with one another, but they are two separate accounts. Once is XXXX XXXX XXXX anXXXX XXXX XXXX XXXX ( separate types of companies and balances ). I explain them when this account was open my identity was stolen twice and I was in the hospital XXXX XXXX XXXX from a serious illness. Also, according to a attorney ( consultation ) if account is open fraudulently it needs to be removed asap and an account 180 days old gets removed automatically. Yet this not the case. I can't afford an attorney to fight this because I am XXXX on a fixed income. Please help I need this removed
Consumer complaint received 2022-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (GA)

Optum Bank holds my health savings account, established through my previous employer XXXX XXXX in XXXX, XXXX. The account balance is about {$4600.00} ( account no. ending in XXXX ). In spite of numerous protracted, redundant requests to have access to my account, via their online platform, the Bank will not provide it. The Bank uses an outsourced customer service provider who is the only means of contact for XXXX matters, who only offer to send a debit card, mail an account statement, or email an account statement ( each time after I go through a long identity verification process ). However, the debit card and account statements are not sent, and the emailed account statement is actually only a link to the online access that I do not have. Online access requires entry of the full account statement. When I ask about the mailed card/statement, I have been told variously that the request was entered but did not process ; the request is not showing up ; or the request was made and it is not clear why the card/statement did not show up ( after least 10 business days- in any event, over the past 12 weeks, nothing has been sent per my request ). Optum Bank has sent two required mailings to me so it is not an address issue, and, customer service has confirmed the address on file multiple times. I sent a written complaint to the Bank at the only available address ( see attached ). 
Today XX/XX/XXXX I called the Banks customer service again, in an express attempt to escalate, and after being verified for 10 minutes, was put on hold to wait for a supervisor to speak to me as I requested. After 15 additional minutes on hold, I was told she was unavailable as she was busy with other things to do today, but would call me back in 24 to 48 hours. 
I reiterated that my request was to have access to my account, which requires the full account number that I do not have. I asked for an account statement to mailed to me by trackable express service or to be emailed to me but the representative would not do that and instead said I had to speak to the supervisor. 
Bottom line, I am in an infinite loop with Optum Bank, with no access to my XXXX, while Optum Bank wrongfully denies my account access, and effectively, to my funds- and charges me a {$3.00} monthly fee. As there is apparently no way to resolve this with the Bank, I am asking the CFPB to please intercede on my behalf to cause the Bank to give me access to my XXXX and my funds. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, NE, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

In XX/XX/XXXX, I reached out to my mortgage company, United Wholesale Mortgage ( UWM ), to remove XXXX  from my loan. Once the issue was escalated via CFPB Complain No. XXXX in XX/XX/XXXX, we finally made traction on the process to remove XXXX. In correspondence dated XX/XX/XXXX, XXXX XXXX, Director of Consumer Affairs apologized for the delay and stated that we will receive a " reimbursement for additional XXXX premiums paid due to the processing issues which occurred. '' In XX/XX/XXXX, I received correspondence that I met the requirements for the removal of XXXX and that my monthly mortgage payment amount would be adjusted effective the XX/XX/XXXX payment. It made absolutely no mention of the reimbursement due to the delay in processing my removal as promised by XXXX XXXX. Again, I reached out to the company via postal mail requesting reimbursement for the XXXX premiums paid during the processing delay. In correspondence dated XX/XX/XXXX, I received a check from XXXX in the amount of {$15.00} which " represents a refund of an unused premium from my XXXX company. '' To clarify, the processing issues began in XX/XX/XXXX and were resolved XX/XX/XXXX and in no way does {$15.00} amount to the XXXX premiums I paid since my original inquiry.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (NJ)

I have been out of work since XXXX due to health issues and officially lost my job in XXXX. I was unable to make any payments to BridgecrestXXXX due to the fact I had no income. 

I was able to get one extension and shortly after had to have Bridgecrest place me on the Don Not Call list because their agents were contacting me trwice a day. I'd speak to a representative and within 20 minutes of hanging up the phone they'd be calling again. 

Communication methods since have been sub-par. I only receive emails, so when they notified me of a reposession date, I didn't immediately see the email. I don't understand why something so important wouldn't also be sent via USPS. 

I have found employment and am prepared to resume payments following my first paycheck on XX/XX/XXXX, but Bridgecrest refuses to work with me any further. They are insistent I need to pay approximately {$200.00} that I don't have to prevent the repossession. They tell me their hands are tied and they can't do anything else to help me because the computer system has it locked in. 

All the talk of assistance and understanding during the pandemic has been nothing but empty platitudes. Before losing my job and being unable to make payments I had close to two years of on-time payments, but that apparently accounts for nothing. 

I don't think it's too much to ask for an extension of just a few weeks all things considered, but Bridgecrest have absolved themselves of any responsibility in this situation.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (MD)

This pertains to a previous CFPB complaint ( # XXXX ) against XXXX that was inappropriately closed by CFPB, due to lack of resolution. Bank 's response was woefully insufficient. 

We have had dozens of interactions with SunTrust/Truist bank reps, but the upshot is that Truist STILL has not reimbursed us for a {$7900.00} counterfeit check that it ( as SunTrust ) allowed someone to cash from our account on XX/XX/2022. We have had dozens of interactions with many different bank customer service reps -- including XXXX XXXX and XXXX XXXX, who were both understanding and sympathetic, but ultimately unable to bring about resolution. We have NOT been allowed to speak directly with anyone in the fraud department. 

Both we and Truist possess clear evidence that SunTrust was at fault. We sent XXXX XXXX XXXX at Truist a picture of the BLANK check -- still sitting in our pad of checks -- with the same number that was used on the counterfeit. We SAW an image on the cashed counterfeit check on SunTrust 's before that account was closed -- and saw that it was obviously NOT an authentic signature. SunTrust employee XXXX XXXX can tell you that on XX/XX/XXXX there was a similar attempt -- quite possibly by the same party -- to cash a *second* counterfeit check, but fortunately XXXX XXXX noticed XXXXrregularities, such as the signature mismatch, and stopped it. We have written acknowledgement from XXXX XXXX that SunTrust/Truist 's Fraud Department mishandled our case because it did not carefully read the case details. He therefore re-opened and re-escalated the case, but we have heard nothing since. 

This issue has inexplicably and inexcusably dragged on for more than two months. These funds are FDIC-insured, and multiple third parties ( including the police ) have said the money should have already been refunded, and expressed incredulity at the delay. 

We want ( a ) our full {$7900.00} refunded ; ( b ) full results of the investigation; and ( c ) reimbursement for other related fees. We would also be very happy to speak directly to an investigator to clarify and/or provide any additional information that might be helpful.
Consumer complaint received 2022-09-21
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: CBC Companies, Inc. (TN)

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : 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 2022-03-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I have noticed many unauthorized INQUIRIES appeared that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these Items I am complaining.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a XXXX XXXX XXXX XXXX XXXX with Bank of America. I have held this card for almost XXXX years and never had a late payment. 

My statement balance on my XXXX statement ( XX/XX/22 ) was {$91.00}. 

On XX/XX/22 I redeemed my Cash Rewards balance for a statement credit of {$93.00} -- which I assumed would be applied to my earliest purchases and cover the full amount of {$91.00} which was due. 

XXXX XX/XX/22 I was assessed a {$25.00} late fee for payment due. 

I contacted BoA customer service on XXXX and was told that due to the fine print of the user agreement I was required to make a payment -- even though the amount of the cash rewards that appear a payment/credit was greater than the amount due. The fee could not be waived because terms were applied correctly. I visited my local BoA branch on XXXX, and they understood the issue, but did not have the ability to waive the fee.
Consumer complaint received 2022-03-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-08-29
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.