davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I was the victim of a scam, and the bank turned down my claim for a refund. I was contacted via email about a job. The interview process and all subsequent communication were done through XXXX XXXX. I never spoke to anyone over the phone or through video chat. I looked up the company I thought I was applying to ( XXXX, a XXXX company in California ) and had the employment contract looked over by two others. It all seemed legitimate. 

After giving the false Accounting department my personal information ( Social, Driver 's ID, Account/Routing # XXXX ), I was emailed a check for {$3500.00}. I then sent this money via XXXX to the " vendors '' that were supposed to supply me with the work equipment for the job. After that, a second check was sent for {$2500.00}. The two together totaled everything I had in my checking account ( this only occurred to me after the fact ). 

The first deposit was made on XX/XX/2023, and the second on XX/XX/XXXX ( morning ). We were short on time ( so the " hiring manager, '' XXXX XXXX, claimed ) as training was to begin on XX/XX/XXXX, and I needed that equipment. No equipment, no job. I sent the money before the check cleared, but my account balanced out on XX/XX/XXXX after depositing the first check. All seemed good. The first check bounced on XX/XX/XXXX ( evening ), and the second 24 hours later. I immediately tried to get ahold of my bank ( on the XXXX ) to freeze the account, but customer service was closed & I couldn't do anything through the app other than schedule a callback time for the following morning ( it was almost XXXX at night ). XX/XX/XXXX, in the morning, I went to the bank, froze the account, filed a claim, and withdrew the money I had left. The teller who took my statement said I was unlikely to get my money back because I " willingly '' gave it over. 

A week later, I got a letter from the bank stating their " research confirmed we applied the transaction as you instructed, therefore, your account will not be refunded. ''
Consumer complaint received 2023-03-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Account showing its changed off but still haves a balance on it.15 U.S.C 1681 and 15 U.S.C 1681 ( a ) ( 4
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting a balance owed amount that is incorrect, inaccurate, and false. The total amount financed was {$27000.00} and the remaining balance owed for payoff is {$7800.00}. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that XXXX XXXX update my credit report and only report a correct, accurate, and true balance statement.
Consumer complaint received 2022-10-22
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. (DC)

I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # ( XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( XXXX ) ( XXXX ) and ( Transunion ) are in serious violation also. XXXX, XXXX and Transunion fraudulently furnished account XXXX XXXXXXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted. 
( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NM)

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX TRUIST XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (NV)

I made a purchase using Sezzle. The item was never received. I reached out to sezzle to try and get some assistance and they were absolutely no assistance. They opened up a dispute and quickly closed it saying it was shipped. I then opened a dispute with the credit card that I used on sezzle. Between them reaching out to the company and me as well we were finally able to get the charge credited in full. I owed nothing to sezzle and the complete charge was credited back. While the credit card company does their research they do a charge back to sezzle and advise it is under dispute because they did this sezzle is stating i was late on my payment. I was not! I never receievd the item, the company i ordered from even credited the item in full after their investigation as well and sezzle was aware of the issue this entire time. I have attempted several times to get the late payment off my credit report and I originally was told this would be taken care of. 3 months later it is not. I reached out again after several ignored responses on their said and now they are advising they " can't go back and fix something already reported '' I don't have missing payment on my credit report. I am in the process of buying a house and this is effecting it and I have everything to prove this item was credited in full and it was never received and sezzle was aware from day one. please help!
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, how you doing after opening a XXXX XXXX and was allowed to log in for about a week. It was restricted me going on the second week. therefore, I was unable to login my new XXXX XXXX  account so I took for the actions and call early warning has being told and they told me on my report I had a Bank of America account disclosure due to fraud that I am unaware of.
Consumer complaint received 2022-11-21
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)

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to update immediately : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

My mother recently passed and my brother, sister and myself were sent a check for our inheritance. It was a truist check so I decided to open an account and deposit it there. Everything went fine, the very next day I was checking the status of the deposit and it was stating that my case was closed due fraud. I contacted the bank and they gave me no information other then unusual activity and other reasons but no vividly clear answer. The next day I went into the bureau and the bank manager tried to find out what was going on and she wasn't given a clear answer. Now 14 days later I'm still waiting for my check they are supposed to send back to me after their investigation that proved to be false still denying me an account which I wouldn't bank there now if you paid me. I called yesterday to find out where the check was they said it wasn't even sent out yet that it would be sent out the next day which is today my wife called back yesterday to see if we could just pick it up from the branch they proceeded to tell her thst it was sent out and we would receive it tomorrow which is today and if it wasn't in the mail to contact them immediately. Well needless to say it wasn't in the mail. When we called they said it is being sent today. When I said so you lied and said it was already sent out when we asked to pick it up from the branch so we couldn't pick it up from the branch and they responded with thst is correct. In the mean time my wife my child and myself are hungry our power is shut off and my dog needs to go to the vet badly. The money that they have and are denying me that belongs to me is desperately needed and they have no cares as to the severity of this. They are fraud they lie and as many people thst have complained against them there should be a lawsuit in play with these people! It's not right. They are playing with people 's lives if you ask me! Do something about it! They need to be put out of business!
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (GA)

I had contacted XXXX XXXX XXXX to provide proof of the alleged debt and they did not send it to me at my residential address in XXXX. I am an expat and want proof of the debt and they never provided it after multiple attempts to retrieve it.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (PA)

I am writing to express concern regarding the disturbing behavior of the manager at the Santander branch in XXXX. Her name is XXXX XXXX or XXXX, most likely. Her signature is enclosed. Unfortunately, I no longer have her business card and have blocked her phone number. Upon walking into the XXXX location next to the XXXX her office is in the far-right hand corner. I also pointed out to her that when people are signing into the keypad in the back right you can see them punching in the numbers from sitting in her office. 

Her Carlisle, PA Santander location : XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone : ( XXXX ) XXXX During a recent visit to address an account issue, I mentioned the possibility of receiving a settlement due to XXXX XXXX. The manager responded with an aggressive tone, inquiring several times about the timing of the settlement. Her excessive interest in when I would get the money was disturbing. Her behavior greedy and offensive. 

I questioned the benefit of having another employee open an account that she recommended once I received my funds and received no reasonable explanation from her. But she was obvious that she wanted her friend to profit from opening another account. 

She contacted me again by phone, implying a desire to assist me, clearly a veiled attempt to inquire about the settlement. Her use of my phone number when I didn't request her services was pretty disgusting as it is so obvious she wants to profit from my XXXX XXXX. 

This manager 's behavior is unacceptable. I blocked her number. I request that she be reprimanded for her unprofessional and unethical conduct. Her blatant greed to profit from my XXXX XXXX translates into cruelty. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (WI)

XXXX of XXXX XXXX contacted me, they explained for a monthly fee of XXXX to XXXX dollars they could settle my credit cards out of court. And my credit would be repaired. I signed a contract with them. They drew money out of my account until XXXX of XXXX. Then I started getting court notifications from credit cards, and judgements put on me. When I tried to contact XXXX they said they sold my contract to XXXX XXXX practice. Which I did not give my permission! XXXX XXXX sent me a form to act as my limited power of attorney. When I tried to get a hold of either company the numbers where disconnected or no one would ever answer. I've sent emails to both companies without response and I also sent a certified letter to XXXX. This was returned to me stating there was no forwarding address. I spoke to some of my credit cards and they said they never received anything from XXXX and the other credit card companies said they couldn't speak with me because XXXX was representing me. I do not know what to do now.
Consumer complaint received 2023-01-25
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: Credit Karma (MO)

Enticed with credit card and loan offers with fair or outstanding approval odds Ive applied and get denied leading to unexpected and unnecessary credit inquiries with the belief that no effect on my credit would happen through credit karma now my phone and email is bombarded with scam loan offers and XXXX party loan finders that I dont respond to
Consumer complaint received 2023-02-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I tried to refinance or get a loan modification considering I had difficulty. The amount of paperwork, phone calls and struggles, I was denied every time. They said I did not qualify if I made my payment sin time. The mortgage was {$4300.00} and interest rate was close to 8 %. I ended up loosing the building and forced to sell in a short sale and paying about $ XXXX Wells Fargo for the short sale in 2013.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

When I was younger I had an interest bearing savings account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX at a branch in XXXX, New Jersey. I went off to serve in the military and during that time period the bank merged with another bank and relocated. I recently located the passbook for the savings account. 

The funds were insured by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) and its responsibilities were transferred to the Federal Deposit Insurance Corporation ( FDIC ) so last month I contacted the FDIC and received an email on XX/XX/XXXX stating my issue was under direct supervision of the Consumer Financial Protection Bureau. Also my correspondence had been forwarded to the Consumer Financial Protection Bureau ( see below ) it has been more than XXXX weeks and I have not received a response therefore I'd like to know : a ) What bank did XXXX XXXX XXXXXXXX XXXX XXXX XXXX finally merge with? Based on the heading of the email I received from the FDIC it stated Bank of America but the FDIC did not provide any details. 

b ) The passbook for the savings account has my name, the account number and balance on it therefore what is the process for getting the funds?

c ) Since it was an interest bearing account am I entitled to receive the interest that has accrued over the years?

Note - Attached is copy of the passbook needed to resolve this matter.

I appreciate you taking the time to address my concerns.

Thank you, XXXX XXXX XXXX XX/XX/XXXX Ref. No. : XXXX Re : Bank of America , National Association ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit.

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the entity you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are closing your case with the FDIC and forwarding a copy of your correspondence to the Consumer Financial Protection Bureau at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Website : www.consumerfinance.gov XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Deposit Insurance Corporation Telephone : ( XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: 21ST MORTGAGE CORP. (TN)

Harassing phone calls by 21st Mortgage. Repeatedly calling more than 7 times in 7 days. 
Debt collection practices are unorthodox and extremely personal in nature of questions as to why debt has become late. 
Intrusive questioning. 
XXXX different phone numbers are used to call : XXXX called 7 times from XXXX even after engaging in conversation with regard to debt. 
Borderline abusive collection tactics ; threatening foreclosure when not yet 30 days past due, by XXXX XXXX XX/XX/XXXX. I have requested to not speak with this particular person again but am subjected to speaking to him when contact is made. 
21st Mortgage purchased loan from another servicer in XXXX and continues to tell me I am in violation of bankruptcy code when my home was not included in a bankruptcy action nor was it with 21st Mortgage when I declared bankruptcy.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUn

ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK.