davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (MD)

Resolution of customer issues through the standard phone support channel is hindered by the fact that the vast majority of their representatives operate from foreign countries. The phone connections to these representatives are consistently plagued by noise, jitter, dropouts and instability. This creates a significant barrier to effective communication. Sometimes the phone connections drop during the calls, which requires the customer to have to restart the entire process. 

Furthermore, the foreign-based representatives often struggle to comprehend US English, compounding the difficulty in resolving issues over the phone. Even after multiple attempts to seek assistance through phone calls, problems persist, compelling customers to escalate their grievances by submitting complaints to the CFPB. 

It should not be necessary for customers to have to routinely go through the lengthy and tedious process of ( 1 ) submitting a claim ; ( 2 ) calling customer support to have corrections made ( that are often still not actually made ) ; ( 3 ) submitting a complaint to the CFPB ; ( 4 ) have an Optum Bank rep in the USA respond to the CFPB complaint by requiring the customer to fill out a paper form that duplicates their online submission ; ( 5 ) submit the paper form and supporting documents by email, fax or regular mail.
Consumer complaint received 2023-11-28
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (ID)

Individual out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX and account was closed XX/XX/XXXX for stop payment. Then the account was sent to collection agency. I was able to get it removed previously but XXXX XXXX XXXX again sent the report through another collection agency Credence. However, nothing I do has stop the activity of this individual. Tonight XX/XX/XXXX the same individual applied for a credit card account with XXXX XXXX XXXX. I was able to get the application stopped and cancelled for identity thief. I have all my credit bureau frozen so that application did not go through. I have not been able to prevent any activity that does not require a credit report such as checking, savings, or Telecommuncation companies.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

My online account was compromised by someone illegally obtaining my online username and password and between the dates of XX/XX/23 - XX/XX/23, an unknown individual accessed my online account illegally and sent multiple amounts of money from my checking and savings accounts to their XXXX account in multiple denominations totally {$5600.00}. The bank initially gave me a provisional credit and then sent the charge backs to XXXX who denied them for unknown reasons and now US Bank is trying to charge it all back to my account with no justified reason, thus throwing my account into the negative by XXXX XXXX XXXX. I did not authorize any of the transactions, nor did I give my username and password to anyone. All of the XXXX transactions were sent to a XXXX account with only the first name XXXX showing. I have not authorized any transactions to this unknown person.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (PA)

I deposited a cashiers check into my account on XX/XX/XXXX. My account was closed by Chase bank on XX/XX/XXXX by there fraud prevention department. I was informed I would receive a check in 10 to 15 business days. The check never arrived. I went into the branch I opened the account at to get a status, I was told for 3 weeks in a row that they were verifying the check and would send a tracking number. We are now 6 weeks into this and I still have no money. I have now incurred numerous financial hardships due to this. I have been getting the run around from Chase for almost 2 months.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (CA)

My identify was stolen between the years XXXX. I filed a police report Incident Number XXXX once I had learned about this account. 

From my understanding, this account XXXX from XXXX was opened without my consent or knowledge and was later sold to Credit Corps Solutions. When I requested for further information on the account, neither XXXX or Credit Corps Solutions were able to provide the itemized receipts that led to the account balance. I have suspicions that the total amount are accruals from interest, but I have no access to this information as it is not my account. 

The person who stole my identity had opened a number of accounts under my name in the years spanning XXXX in which I followed XXXX recommendations to ( 1 ) execute a credit lock for years and ( 2 ) enrolled in Fraud Protection. I suspect the person was a previous roommate who had access to my information and home address.
Consumer complaint received 2022-12-19
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. (NV)

I have many request MANY TIMES to furnish proof that I gave them written consent for them to report the BANKRUPTCY on my credit report. 

XXXX  XXXX dismissed XXXX XXXX XXXX dismissed XXXX XXXX XXXX XXXX XXXX MY OTHER CREDIT REPORT FRON XXXX THERE IS NO BANKRUPTCY ON MY CREDIT FILE. THESE NEEDS TO corrected
Consumer complaint received 2018-08-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing ombudsmen specialist XXXX XXXX who quietly hides her management position when she responds to consumer complaints that she never properly investigates because she is given high salary that was embezzled by millions of homeowners to be trained how to cover up the pretender lender loan servicers troubled company abuses. I have informed the pretender lender loan servicer ombudsmen specialist XXXX XXXX and opposing counsel XXXX XXXX several times regarding the VOID FRAUDULENT ASSIGNMENT that was created out of shady XXXX XXXX XXXX XXXX XXXX just days before the bogus lawsuit was filed. XXXX XXXX XXXX assigned the bogus mortgage to XXXX XXXX XXXX XXXX XXXX signing for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Depositor XXXX XXXX XXXX is the only rightful party that can place assets into the trust pursuant to investors offering documents as specified above, to have all the rights, duties and obligations of the Depositor with respect to the Trust, XXXX XXXX XXXX XXXX XXXX with closing date of XX/XX/XXXX. The assignment is approximately 3 years after the mortgage was placed into the Trust -- a clear violation of the Pooling and Servicing Agreement. XXXX XXXX XXXX or a ghost robo-signer signed the fraudulent VOID assignment on XX/XX/XXXX and then XXXX XXXX XXXX committed fraud by claiming the ghost to be present before her then rubber stamping the VOID assignment on XX/XX/XXXX just days before corrupt shady XXXX XXXX XXXX crooked lawyer filed the bogus lawsuit then used the fraudulent assignment to intentionally mislead the court while committing fraud upon the court to be guaranteed favorable judgement to embezzle my property. Before XXXX XXXX XXXX XXXX XXXX filed its bogus lawsuit I informed the shady lawyers that I was diagnosed with XXXX and to leave me alone because I only had months to live. XXXX XXXX XXXX shady law firm thought they could get away with embezzlement because they all thought I only had months to live. Shortly after the fraudulent assignment was created by corrupt shady XXXX XXXX XXXX the imaginary XXXX XXXX  XXXX XXXX ghost before her robber stamper XXXX XXXX XXXX license was revoked by the Commissioner. Well, I was misdiagnosed and I am not going to die so what are all you scums going to do about all the years of all your fraud now? Opposing counsel XXXX XXXX is assisting his clients with embezzlement by claiming to have personal knowledge and reviewed the VOID assignment that was fraudulently recorded claiming its stands to assist the Mortgage Law Firm with embezzlement fraudulent Trustee Sale.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT is furnishing my personal information and violating my privacy. They do not have permission/ written consent to report their business transaction into my consumer report. It is in clear violation of 15 U.S. Code 1681b- Permissible Purpose and 15 U.S. Code 6802. have disputed this transaction multiple times and there has been verifiable proof that they have obtained permission, verbal or written, to report anything to my consumer report in the first place. This is a violation of my right to privacy. They are continuing to violate my consumer rights and the consumer law. The notice of this account being verified is missing description of procedure. Another violation. I have counted multiple violations of consumer law. You will see in the attached pdf they have given none of the appropriate information required by law.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

i applied for Bank of America Business credit card on XX/XX/ and was denied ( application XXXX XXXX XXXX regardless of reason fo being denied, i have the right to credit. withholding my securities is securities fraud, according the the Equal Credit Opportunity Act and the Consumer Credit Protection Act i have been discriminated against. bank of america is violating this acts along with title 12 usc 1431. i previous complaint was closed as resolved when no action was taken i retracting my application.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

On XX/XX/ I purchased a Vanilla Gift card from XXXX XXXX, in XXXX XXXX, and loaded {$100.00} onto it. It was a XXXX gift for my grandson. He tried numerous times to spend the money online but was unable to. He found out that Vanilla had cancelled the order. I got the gift card from my grandson and was going to see if I could use it. While in the process of doing this, I go to Vanilla 's website, and there is {$0.00} left on it. There was a transaction pending for XXXX XXXX for {$99.00} on the card. This was not my purchase. I called the company XXXX times because I kept getting the phone hung up on me. I could not get a satisfactory answer from any of them.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

Concerning complaint no. XXXX : Company, Equifax, failed to answer my complaint. Their response had nothing to do with the nature of my complaint. In addition, CFPB is not even reading the Equfax complaint, or you would have rejected it. It is just a canned repy to some other subject than my complaint. 

I want the case re-opened, under the same complaint number, and tell Equifax to respond to my specific issue.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX. I found that there is unverifiable, invalidated, inaccurate and questionable items that are obviously not 100 % accurate with the XXXX account. XXXX shows this account closed while the other XXXX agencies still show it on their reports. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies? 
I have attached a copy of this account on my credit report for your convenience.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 I received a letter saying my Chase checking account had been restricted and to call them asap. I called them and they didnt give me the chance to un-restrict my account and instead made the decision to close it. I have about {$3000.00} in my account and they are not releasing my funds to me until my account is fully closed which the projected date is XX/XX/2024. I went to a Chase branch to see if I could get my funds from my account but I was refused in a very rude manner and said to wait for my check. I can not go a whole month without my money and Chase is denying to give my hard earned {$3000.00}.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Im filing this complaint against XXXX XXXX XXXX Servicing On XXXX XXXX i contacted XXXX XXXX XXXX XXXX in which XXXX picked up the phone. I asked XXXX did I have an over draft on my account in which she stated no. So on the XXXX XXXX i wrote them a check for XXXX and on XXXX XXXX i got a letter from Bay view saying there was an over draft on my account after i wrote the check on the XXXX. So on XXXX XXXX they sent the check through for XXXX dollars but on XXXX XXXX they charged my account for XXXX which made a grand total of XXXX. I contacted XXXX XXXX on the XXXX and talked to XXXX and which she stated XXXX XXXX was in charge of doing things. I talk to XXXX on the XXXX and he said i would have my money back friday or Monday and here it is Tiesday and i still didnt receive my money. The lady i talked to gave me a tracking number for fed x but the tracking number do not go to anything it says a label has been created but has not move towards my door.They charged my account for XXXX dollars and XXXX XXXX will not return my calls I do not know his position but its not profressional for him to do that. Bay view owes me a total of XXXX XXXX dollars for the check and XXXX dollars in over drafts. I live from check to check and Friday morning i had XXXX dollars in my account i have been broke all week. XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

Dear PayPal XXXX XXXX, I hope this message finds you well. I am writing to address the recent blockage and limitation imposed on my newly registered PayPal account. I was disappointed to discover that my account 's functionalities have been restricted, as I have made every effort to comply with PayPal 's policies and guidelines. 

As a new user on the platform, I am eager to start using PayPal for my online transactions. I am fully aware of the trust and responsibility that comes with being a PayPal user and would never engage in any activity that may breach the terms of service. 

I kindly request a comprehensive review of my account 's status and the specific reasons behind the blockage and limitation. Understanding the cause will enable me to address any potential concerns promptly and take appropriate measures to comply with PayPal 's requirements. 

The email address associated with the affected account is XXXX. I ask that all communications regarding this matter be directed to this email for my convenience. 

I assure you of my full cooperation and willingness to provide any additional information or documentation necessary to verify my identity and account ownership. My aim is to resolve this situation amicably and re-establish the full functionality of my PayPal account. 

Thank you for your time and consideration. I genuinely appreciate your attention to this issue and hope for a swift resolution. Should you require any further information or have any questions, please do not hesitate to contact me. 

Looking forward to your prompt response. 

Yours sincerely, XXXX XXXX