davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a XXXX XXXX XXXX and on XX/XX/XXXX I sent my landlord a rent check in the amount of {$7600.00}. The check was stolen from the post office mailbox and someone thru an ATM deposited the check into their personal account the next day XX/XX/XXXX. On XX/XX/XXXX the funds were withdrawn from my business XXXX account in error by Bank Of America. Bank of America called me on XX/XX/XXXX and asked me if I had authorized a third party check that was made out to an LLC. I responded that I had not and they told me they flagged the check as fraud and I had to go to XXXX and report it. I went to XXXX on XX/XX/XXXX and XXXX filed the necessary papers needed to reclaim the funds from Bank of America. AS of this writing I still have not gotten my funds returned to me. I have had numerous calls to Bank of America in which they responded they have 90 days to pass a judgement on the claim, and then another 180 days to return the funds, and for me to go back to XXXX as it is XXXX responsibility to go after the funds. I have been the XXXX branch in XXXX XXXX six times already and they keep telling me Bank of America will not release the funds even tho Bank Of America knows its fraud. I do not know where to turn to at this point. The funds are marked as fraud, XXXX submitted the proper papers and after four months I still can not get my funds back. My landlord now wants his rent for XXXX and I do not have the fund returned to me account. Bank of America admitted it was their error, then they also stated they have 180 days to return the funds!! Can you imagine, taking my money in error and not giving it back for at least 6 months. Any help will be appreciated, I do not know where to turn as I am hitting a dead end everywhere and my rent is now due. I have all papers to documented if needed. Thank you XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I contacted Experian to notify the organization that it was unauthorized inquiries on my credit report. I explain to them that I had contacted all the companies and they did not have an application on file so they to me to contact the credit company. Experian removed a freeze from my account without my permission and claimed they receive authorization from me which was not valid. At the time I was suffering from XXXX  XXXX XXXX XXXX and unable to walk or drive. So there is no way that I was applying for any vehicle while going through XXXX XXXX and XXXX.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

Several weeks ago called for assistance with my Paypal credit card to have the available points applied as a credit against my account. I was told that this had to be completed online. 

Today, updated my account login information and attempted to redeem points. I had two chat sessions while logged in ( see attachments ) attempting to complete this process online. We were unsuccessful. The instructions by the second chat agent makes sense ; however, the field called " redeem '' is not available. When I requested HOW to do this since the redeem option is not there, she disconnected the chat. 

I then proceeded to have four conversations with " customer service '' associates where were unable to help. The last of these conversations I believe was a Synchony Bank Agent. They referred to the " redeem '' feature again- which is not on my login screen. They were then going to transfer me for the fifth time. At this point, it's been two hours getting the run around while attempting to accomplish something that should be easy and everyday. 

Will you please help me in getting my point applied against my accoun? My points are XXXX as shown on the attached statement. I pay a very high interest rate ( my own fault as I'm over the balance ) but Paypal not being willing to perform such a simple request seems unfair to the consumer. If they are not going to honor their committment, they should not offer them. They expect me to pay 31 % interest ; I expect them to give me my credits. 

My desire is to now cancel this card but I would like to wait until the points are applied so they don't just disappear. 

Thank you for recording this complaint. May it protect other cardholders in the future.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Multiple fraudulent transactions were charged to my account and the bank has not done anything to refund me the nearly {$700.00} that was fully fraudulent. Ive even checked with XXXX XXXX where the charges came from and my account is completely drained. I need those funds to pay bills and the bank has been unhelpful and dishonest. Huntington bank is the financial institution and XXXX XXXX is the merchant with the fraudulent charges. XXXX told me directly that the charges were fraudulent and Huntington insists that ALL of their managers are in a meeting.
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (IA)

Back in XXXX I was notified they were going to raise my monthly payment from {$440.00} to {$440.00} as there was a month lapse between one company having my homeowners insurance to another company covering my home. 
On XXXX, the full {$40.00} was paid as a one time payment. The company still took the XXXX - slightly higher than what they say they are taking now - I called on XX/XX/year> and spoke to XXXX. He told me the one time payment was applied to the principal and he would get it changed to show the deficit for what they are calling escrow would show paid. In XXXX, they still took {$440.00}. I called back and was told the investigation into my call had not been completed yet by the time the payment was taken from my bank account but was assured that the XXXX statement and payment would be the {$440.00}. I filed a complaint with the CFPB at that time. XXXX Then I get another notification in the mail that there is still {$34.00} owed on the Escrow and the payment is going back to the {$440.00}. It never stopped and went back to the {$440.00}.

I have a copy of a ledger entry where the one time payment of {$40.00} was moved to show the Escrow had a XXXX balance. ( I'm unable to provide that at this time ) I have tried to contact them and get this resolved but they tell me one thing and then do another.

Fay Servicing should have a full audit done on their books and records. This has been going on now for almost six months and I'm about to contact an attorney.
Consumer complaint received 2023-03-15
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. (NC)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-01
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. (NJ)

I sent a letter Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


XXXX XXXXXXXX # XXXX - IDENTITY THEFT. PLEASE DELETE! 


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 an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

On XX/XX/2021 I decided to make the switch from XXXX to XXXX as they seem to have the better cell service. The deal was to get two new lines including phones which was supposed to be as follows : XXXX XXXX XXXX : Cost : {$490.00} via {$16.00} monthly payments over 30 months Promotion : monthly bill credit of {$16.00} over 30 months making this device free XXXX XXXX XXXX : Cost : {$740.00} via {$24.00} monthly payments over 30 months Promotion : monthly bill credit of {$19.00} over 30 months which would have cost me {$5.00} per month for a total of {$150.00} XXXX ended up somehow processing the order incorrectly and did not add the XXXX XXXX monthly payment for the XXXX XXXX to my monthly bill. This is turn made it look like I was intentionally not making my device payments. I was unaware of this, and XXXX decided to charge me the full amount of the phone ( {$740.00} ) because I was " not making monthly payments on my device '' unbeknownst to me. I attempted to resolve this with XXXX on several occasions via phone calls and they told me even though it was their mistake, I waited too long to get this resolved. I should never have had to deal with this in the first place, but to admit you made an error and still not correct it is unacceptable. I have never had any late payments or collections on my credit ( for 20 years now ) and now this has affected my credit and I overpaid ( {$650.00} instead of the {$150.00} ) as I just wanted to settle this to avoid it being on my credit report. After making my payment, XXXX reported me to the credit bureau for " paying a collection for less than the amount owed ''. This is absolutely absurd, and I am hoping this will be corrected through this complaint. I do not know what else to do. They can look at my contract and then take a look at how it was processed... incorrectly. This is an error on XXXX, not me and I should not be penalized!
Consumer complaint received 2023-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Violation of Consumer Rights under 15 USC 1692, 15 USC 1692F ( 6B ), 15 USC 6801 ( privacy policy ), and 15 USC 6802. EVERY VIOLATION IS {$1000.00} and at the moment we are 37 violations and counting not including the Statutory Damage Penalty being that this is the second time that Capital One Auto Finance has proceeded with said violations. My ( non public ) Consumer information was provided to a non-affiliated third party who I have never done business with or under any contract with. My vehicle and belongings were taken/ stolen/ whichever one of the terms you choose to use and twice. My property was damaged by the repo men ( have the footage on XXXX HD home security cameras ), 11 times they came and knocked on my door within 5 wks, they would drive past my property every day. I reached out to Capital One Auto Finance ( written ) but never received a response. I did not okay a repo and it was not granted judicially. Laws were put in places for a reason, no one is exempt from being a law abiding citizen. WE HAVE RIGHTS AND MINE WERE VIOLATED BIG TIME. But they chose the wrong battle.
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (PA)

I sent the money via Zelle on Friday, XX/XX/2023. It was not received. See attached. Then, on XX/XX/2023 my account was closed. Why? NO REASON!?? I had funds in the bank!!
Consumer complaint received 2023-04-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mr. Cooper Group Inc. (NH)

XXXX XXXX XXXX falsified all legalities and did so in a response letter. I seek all legal action to the highest. See attached response to myself and my wife as the letter is only addressed to her. All information from XXXX is fraud. My loan was identified in class action lawsuit Robinson versus Nationstar. At no point is this so called debt legal as Nationstar was found guilty of fraud. I seek see below ( statutory damages under the FDCPA and RESPA, and restitution damages and losses from XXXX XXXX XXXX for allegedly unlawfully profiting by acting as an unlicensed mortgage servicer. ) My wife is legal party of interest and legal owner of said property from Deed legally registered with Title insurance also containing both names dated XX/XX/XXXX. See attached response that clearly states " this is an attempt to collect a debt '' this matter was found fraud in court of law XX/XX/XXXX. 
This is now a criminal charge of fraud and identity theft
Consumer complaint received 2023-04-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I filed a complaint about discrimination my husband and I faced while trying to get a mortgage loan through JPMCB. The company responded and did not address that the employee has said anything discriminatory, and said that they do not offer any products for credit scores under 620. The website, multiple forums, and the FHA requirements are XXXX, and JPMCB advertises FHA loans for credit scores that wouldn't qualify for a conventional loan ( XXXX ) so how is it that JPMCB both facilitates FHA loans but doesn't facilitate the credit score? Furthermore, disparate impact is illegal and a violation of HUD Fair Lending law. If you service FHA, you service people with credit scores under 620. You also can not legally say that you don't take any public assistance programs for down payment.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WI)

This is a business complaint against Bank. A customer of ours was prompted to make an ACH wiring transfer to Chase Bank to an account listed under our name ( We do not bank with Chase or have nay account as all with them ) The wiring information provided to our customer by an unknown thirst party was under our business name, but did not match teh actual details of the actual account. Chase Bank accepted this transaction even thought it did not match in the amount of {$15000.00} on XX/XX/. 
Once I was made aware of this fraudulent transaction I called Chase Bank and informed them this was fraudulent and we do not Bank with them-They allowed me to cancel this account even thought it was not under our name as they tried to hide that. I could not get help from anyone and upon further investigation I discovered they allowed this transaction without matching the business name to routing #. After numerous emails, phone calls and being redirected several time I was getting no where with Chase and the customer and I have decided we should take matters in to our own hands and file a complaint against Chase Bank
Consumer complaint received 2023-03-15
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. (TX)

I have filed multiple disputes with TransUnion and XXXX in regards to different addresses that are on my consumer report that I have never once lived at. I even provided them with my address and it was never updated. It shows me that they are not checking the information like they should be doing.
Consumer complaint received 2023-03-15
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 XXXX  Account # 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Consumer complaint received 2023-04-01
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (OR)

In XX/XX/2023, I applied for a {$5000.00} loan through a text message I received. I believe the company was called XXXX. Shortly after I applied I received a phone call from the company stating I was approved for the loan. The person I spoke with name was XXXX. Sounded professional seemed legit and he was asking who I banked with and asked basic questions ( name, address etc ) then XXXX asked me for my banking info. Thinking this loan and company was legit, I gave him my banking info. He asked how much was in my account. I had - {$89.00} in my account. He asked my credit score and told him XXXX and he said my score is to low but they will honor the loan. XXXX mentioned that once they contact the bank, there will be a hold on funds by my bank. He then asked if I had XXXX XXXX and had Bitcoin. I said yes and XXXX asked for my info and funds were being transfered from bank to cash app to Bitcoin repeatedly. While at the same time I was being told that I would be getting the loan. This all started on a Monday and by Thursday night I emailed my bank to say something didn't seem right and if they could check it out that Friday on the XXXX  I was getting a social security XXXX check direct deposited and the check went through but then I was XXXX negative in my account and they took my social security check and then disabled my account I called that Friday and they said that since I was willing to get my bank account info to this company that I was responsible for paying back the money the money dropped from {$14000.00} down to roughly XXXX I didn't know I was getting scammed I thought this was all legit and now I got to pay it back to my bank I talked to the front department I talked to customer service and all they could tell me was you were held responsible and I asked why and they said because you were willing I then received a letter in the mail saying that I benefited from these transactions how could I benefit from these transactions when I was negative {$89.00} in the hole I did not come I didn't get the loan and now I'm XXXX in the hole how is this right my bank will not refund or reverse it I can't get into my bank accounts until they said my account is XXXX XXXX so my account is on hold disabled how am I supposed to take care of it when everything 's on hold or disabled I am not going to pay the negative amount this is craziness not very happy