davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Synovus Bank (SC)

A company contacted me online about a loan, they told me they were going to deposit the loan money into my checking account, The Bank Synovus never has any material posted about online Fraud nor do they have post do not ever give out your information on checking account about loans.Why would anyone not update Bank and their activity on banking with online loan company and companies, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all these are online companies that offer loan but are scam companies why don't Bank regulatory police extend an company to the consumer highlighted warning about these type of people, I didn't know, why hold me responsible for what is real and what is fake, I don't know this is what I depend on the Bank managers and employees to know when i used to be a XXXX at XXXX XXXX XXXX we had every company fraud check listed in a book and every company that issued checks we had a number to call if a check was issued. 
Maybe I having a covid virus XXXX I don't know but I needed a loan for money to move and for doctor bills and for a car, I thought they were legit, But now account is in the negative XXXX and bank gave me the money they said it was real. I ask several times. I put the money on XXXX cards and XXXX XXXX   return to company for them to return money back as a loan they told me my credit was bad and that I had to establish credit and i could do that by returning the money in a fast pace in order to go to the next loan amount and then in the end I could get the amount I want for the loan. This all seem like a SCAM from the Bank Synovus Bank and XXXX XXXX XXXX I have no control over who has knowledge of a good or bad check I was taking a chance I depended on bank to tell the truth and they did not. Please try to help me because every bank I have been with has either scammed me or have done stolen Identity theft on my account. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX settlement XXXX XXXX  XXXX XXXX XXXX  workers comp. settlement, XXXX settlement XXXX half stolen from XXXX XXXX XXXX. ITS like that or keep the change on the money all my life I have had money stolen from me, I never get to keep it to move or be safe, I can't understand who is doing this or if someone has vodoo or roots on me that know each and every time to steal it and I can't move or get a car, XXXX XXXX even sold me a car with faulty wiring that looked like it was in the flood I didn't know what is happen to the world know one wants to help. I said I want someone to help me not hurt me does help sound like hurt me help me please I can't believe that I keep getting SCAM banks cars loans and now seem like people, please think how to get along and help one another. 
THIS IS SCAM and ALONE looking for peace.!
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

Today XX/XX/2020 around XXXX I see an unauthorized charge to a rental company called XXXX XXXX XXXX at around {$400.00}. Shortly after I call my debit card company KeyBank stating I need my card canceled, I have an unauthorized charge and had lost my card. At first I thought the charge was a false charge from my own cancelation of another charge from another company. Then I notice my card was dropped, and I call Keybank immediately. I also see my email is hacked and the fraudulent person on my account is talking to XXXX XXXX. I asked my company to please send the replacement card as fast as possible I paid {$15.00} extra. I said also I need the money soon and they told me it would take over 2 weeks to get my money back and they wouldn't be sure if I could get it back. I need that money to feed myself, I am unemployed. They did not even offer a temporary credit for me and I fear for my overall health.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I submitted an application to Chase.com and was rejected because of 3 delinquent accounts that someone opened and subsequently closed with my social security number and someone else 's name. Chase would not disclose further information because my name did not match the name on the accounts.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (OH)

I submitted a complaint with CFPB regarding an old XXXX 's account where debt collectors on a debt over 10 years old have continually called and several collectors have sworn at me on a call, and one telling me to " not open credit cards if I can't pay the bill. '' In the complaint response, XXXX stated the account had been sold to Encore Capital Group and their contact was XXXX.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AL)

My mortgage was purchased by BSI financial and i was granted access to their payment portal. I set my payments up to be bi-weekly and the amount was to cover the entirety of each month 's payments every 2 weeks. I initially added {$250.00} per payment in additional principal. This change apparently caused BSI to suspend my account and when no regular bi-weekly payments were deducted from my account in the month of my I logged in and found my account was suspended and marked delinquent. I made an inquiry through their customer care portal and was told that I had suspended the account. That is not possible to do unless 5 days written notice is given according to their policy. No such suspension letter was sent. I spoke with a XXXX XXXX who told me he would handle the matter. I was then informed BSI can not process biweekly payments in the full amount of a monthly payment and can only take a 1/2 payment. This has been proven untrue as they did take the correct amounts in the month of XXXX. Since this has occurred I have been passed off to XXXX XXXX who told me she would personally oversee the account. She agreed to retroactively credit the appropriate amount to the missed payments due to their error, but in so doing did not apply the amounts correctly or offer any explanation. When this was brought to her attention she informed me she would look into the matter. On XXXX 3 payments of {$1400.00} were deducted from my savings account and placed in an UNAPPLIED Status. After receiving 5 letters from BSI stating they would process my payments bi-weekly in the full amount of {$1200.00} and apply the first payment to principal interest, and escrow and the 2nd payment to principal reduction. On XX/XX/17 they deducted {$710.00} and it is sitting in UNAPPLIES. I can make no sense of the LOAN History which I am attaching for your review along with the letters. Upon written inquiry to XXXX XXXX I was instructed after 9 days of no activity to correct my problem that my account was being transferred to the complaint department. I have written bth Miss  XXXX and XXXX XXXX Senior Counsel Letters to try and get this corrected and am getting nowhere with this company.
Consumer complaint received 2020-07-27
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: I.C. System, Inc. (OH)

These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX  debt and XXXX  and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My checking account with bank of America was closed on XX/XX/2020. However, I received a refund from XXXX XXXX  for the canceled trip on XX/XX/2020. The funds were refunded by the merchant using my original form of payment- the debit card attached to my Bank of America checking account. 
I contacted Bank of America multiple times to obtain my refund in a form of a check, since the account and the debit card is closed, but was unable to get any resolution. The bank representatives stated that they can not locate my money since the account is closed. My last phone call with Bank of America was on XX/XX/2020, and I was again told that Bank of America can not locate my {$500.00} refund. 
I requested the letter from the merchant- XXXX XXXX showing the tracking transaction number for the refund processed and will attach it as a proof that Bank of America holds my funds and does not want to release it to me
Consumer complaint received 2021-04-20
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: SYNCHRONY FINANCIAL (AZ)

I've had a Synchrony Bank Master Card ( applied originally thru Stein Mart ) for many years and have always paid on time and typically paid the balance in full. I recently tried on several occasions to use the card and was told the charge was declined so I called the XXXX customer service number and was told a few weeks ago that there was no problem and to have the charge run through again ... did that and was declined again. Then received calls from 2 places that I had set up automatic monthly recurring payments for quite some time ... they indicated the current payments had been declined. I naturally called customer service again and this time was told that the account had been closed? I was informed that because Stein Mart was no longer in business ( which isn't really true ... they are back as an on line store only ) that my account had been closed. I never received any information regarding the closing of this particular account and asked to be transferred to customer service in the US. The rep I spoke to around XX/XX/XXXX was very helpful and let me know that most of the " Stein Mart '' accounts had been transferred to just a different account with Synchrony ; she was going to check and get back to me but as of this date I have not heard back nor received any correspondence providing a reason for the account being closed. I am contacting the CFPB for a few reasons on this situation. Closing an account arbitrarily for a non-negative reason ( I always paid on time/no issues ) negatively affects the consumer 's credit scores. My having pre-authorized payments charged to the card & then suddenly being declined was not only embarrassing but could have again adversely affected my credit. This account was a Master Card ... not an in house credit program. I would like to know why apparently other cardholders accounts were transferred to a new Synchrony account and mine was not. Thank you.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via XXXX, XXXX, & Equifax and each one is " unable to complete my request '' online
Consumer complaint received 2021-05-26
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. (MS)

XXXX XXXX put the wrong date on a bill. If they put the right date insurance would cover it but they wouldnt fix it. Years later I tried to dispute it through equifax. They took less then 3 days to investigate it and decided it was correct. When I called to get details they refused to give it to me over the phone and refused to give me copies in the mail. I asked what they investigated and they said they made sure it was my account. Once I talked to a supervisor they said they had not checked they dates just to make sure it was mine. I asked them to read off the details of my dispute and it clearly stated the dispute was about the date. I then asked for a copy of what XXXX XXXX sent them and I was denied. They refused to reopen the investigation and refused to open another dispute
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In late XXXX or early XXXX I was informed of fraudulent activity. I disputed the charges and the card was cancelled. I was informed this month I was not liable. Last week via credit report I found out i had a balance due of {$5200.00} and today I found they say I have a late payment. Ever since my card was cancelled I have never gotten a bill either by E-Mail or postal service. I have spent hours on the phone to overseas call centers and today with a Texas call center. The people I spoke with agreed they saw the charge and did not know how I was liable with a card with a limit of {$1900.00}. I was told to call the fraud XXXX to follow up where I left my name and number and was advised I would be contacted within two business days. This companies service department is designed to deflect, delay and ware down the resolve of its customers. Has well as report fraudulent balances they acknowledge they cant explain. This reflects on my credit score and they are little to no help resolving it. It was a credit report that brought this to my attention neither by E-mail, Post office letter or phone was I made aware of any late charge or balance due.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America overdrafted my account for {$300.00} on purpose to profit by charging a {$35.00} overdraft fee. The order was canceled and the merchant credited my account. Bank of America did not reconcile the transactions and charged my account again for {$300.00} despite the credit from the merchant just so the account would overdraft and change the {$35.00} fee.
Consumer complaint received 2021-06-24
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. USDOE/XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2020-07-27
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AL)

Someone repeatedly hacked into our pnc checking and savings accounts and drained thousands of dollars. We had alerts turned on and never received any about these Transact! We immediately contacted pnc and spent hours filing disputes all of which pnc summarily DENIED without any questions to us or requests for additional information or any communication at all and then they closed our accounts that we have had for over 10 years with them without any notice whatsoever and refuse to even give us the balances that remained in the accounts. We have offered them proof from XXXX that my husbands phone was hacked and that is how they gained access and they wouldn't even review the extra documents simply stated their investigation was final and that we were out over {$10000.00} ( plus fees and harm to credit AND We are in the middle of buying a house and this has made our loan almost impossible and much more expensive because of their refusal to treat this as fraudulent like it is. A police report was files and sent to them and they werre notified of each transaction within 24 hours of it happening.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MT)

About XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my bank account in the total amount of XXXX XXXX  utilizing Paypal services.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have a business account with Bank of America under the name XXXX XXXX XXXX XXXX BOA is holding my deposits to credit to my account for an egregious amount of time before crediting them to my account. I deposited checks for {$7500.00} and {$11000.00} on XX/XX/2020. They were both from reputable local organizations. There was a hold deposit on each as follows : XX/XX/XXXX they released {$5500.00}, XX/XX/XXXX, they will release {$1900.00}, and not until XX/XX/XXXX will they release {$11000.00}. This is theft since I am unable to use my money that I earned. When I reached out to them, a woman named XXXX told me that " BOA '' has the right to hold my money as long as they want. She said the amounts had not been funded by the two organizations. I checked.This was a lie. The money was funded when the organizations wrote me the checks. I wrote a bad review. I got another call from a BOA associate saying they had the right to hold my money as long as they wanted. This should be against the law. Please help me soon. I feel so trapped right now due to COVID. Can not change banks. They know this. They are taking advantage of small business owners. They should be ashamed.
Consumer complaint received 2022-08-04
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. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.