davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (PA)

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I reported this to Equifax as well and they have done nothing to help me in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MY unemployment benefits were seized back in XXXX of XXXX paid through the Arizona XXXX and has yet to be returned to us as promised by either the banking institution or the state agency during a time when we were homeless and about to attain a residence the money was taken abruptly from our accounts and we went without reasonable explaination for some time. 

The benefits are still showing as paid in our XXXX unemployment online account and were included on our XXXX from XXXX, reported as paid income however they never adjusted the balance to subtract the money that was seized from the benefits paid amount. XXXX assured us that they never seize benefits back from filers and would simply send out an overpayment notice or bill if thee was an issue. They also stated that have no record of ever receiving the benefits back from Bank of America and therefore did not adjust the benefits paid amount from our payment history. 

Bank of America still say they sent the money back but has failed to provide any additional proof to trace where the money actually went. The amount taken from Bank of America prepaid benefits card account is approxomately $ XXXX and was never adjusted on my unemployment insurance record to remove the money they seized from the XXXX balance. 

I am trying to obtain a status update on how and when the bank is suppose to be contacting harmed customers about repayments and to check if we were included as harmed customers because I have not received any information from the bank and they are just as unhelpful today as they were when we reached out to them XXXX years ago when the incident first occurred. 

ADDes tier 1 rep. Emailed the bank i fiemi g rhem that no miney was returned back to them feom Bank of America for my account. The bank recently told me they sent a check out to my old Arizona address back in XXXX, and several Bank if XXXX XXXX thereafter assured me that a new check was being expedited and mailed to me on XX/XX/XXXX or XXXX of XXXX. I call back days later and I go through the whole routine all over again and find out they have not issued a check and ill not be issuing it. It was stopped and then they refer me back to AZ XXXX who to date insists they never received benefits returned money back and do nit conduct business of confiscating funds from claimants, instead they would've issued a overpayment notice if there was a problem. 
Bank if America nor AZ XXXX have sufficiently or diligently resolved or addressed my concerns nor have they provided any type of update in regards to my inclusion on the CFPB order which fined Bank Of America for wrecklessly seizing XXXX benefits dueing the pandemic. I havent received any notice about repayment through that channel either. 

The XXXX still have no record of ever receiving the money back so I have been basically billed for a payments I never received and also.taxed for it.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (CO)

XX/XX/XXXX, we were victims of a financial scam involving a cashier check. This was for a purchase of equipment we had for sale. The check was out of state, it was deposited into our account we checked on it few days later was advised that it was good by bank employee. We were not told that it could be a scam by the bank. It was found later that BBVA bank on the day of deposit they had training on this particular issue. The bank knew this was going on we were not aware of it or made aware of it. On XX/XX/XXXX we saw that our account was cleaned out not by the perpetrator but by the bank. They discovered the cashiers check was bogus. Did not even contact us. We had to contact them, we tried to work with them they would only say we were solely responsible for everything. Would not work with us. Even filed report with local police department, was told that the bank was responsible for what had transpired. Foward to XX/XX/XXXX we attempted to open a college fund account for our Grandson but was denied. We contacted a company called XXXX XXXX that handles these issues. Our current bank XXXX In XXXX, XXXX.the information we recieved regarding this matter stated that it was due to a fraudulent account. They made it sound as if we were the perpetrator.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK (AZ)

On XX/XX/2021 I entered into the Freedom Debt Relief program. This is a program that settles credit card debt into a lower amount by negotiating with creditors. I have been following everything they ask on their program. On XX/XX/2021 I received a lawsuit from XXXX XXXX- I have 20 days to respond from XX/XX/2021, FDR states on their welcome packet/website and other sources the following information : " While youre moving through the process of resolving your debt, some creditors may choose to take legal action ( sue you in court ) to collect on the debt. If you receive a legal notice, send us a copy right away by uploading it on your Client Dashboard or emailing it to XXXX. Then call Customer Service to verify the document was received. 
Once we receive the document, well review the status of your program and may enlist the help of an attorney in the XXXX XXXX XXXX. To qualify for legal representation on a lawsuit, you must have made all your program deposits on time and in the full amount. Its important that there are enough funds available for us to negotiate a settlement if needed. Consistent deposits are crucial to overall program success and create negotiating leverage for attorneys to work on your behalf. 

There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' " As long as you make all your deposits on time and in the full amount, access to representation through the XXXX XXXX XXXX is included as part of your Freedom Debt Relief program. There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' As of today, I have been calling every day and have been given the run around with no answer. I am not asking and have not ask FDR for legal advice. Instead, I am asking if they are going to comply with what they offer on their welcome packet/website to help the customer with the lawsuit placed by one of the creditors by assigning an attorney from their " network ''. 

This is a deceiving business practice, as FDR convinces and promises customers that everything goes according to plan by following the program. However, what goes to plan is all the fees/charges they take out of the dedicated account, but everything else seems to be out of scope even when it's in writing.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

I filed two complaints One case # XXXX that is the one that has the documentation about the problem. 

The denied document on the short term sale which was sent after I sent the funds. 

The document stating they are not returning funds. 

I sent copies of the wire transfer that stated pay off on loan. 

Now PHH Mortgage has responded to the claim saying they are still working on the issue. That can not be a true statement because I have the proof that the case with PHH mortgage and myself is closed. When I called them they also told me they are not returning my money. 

I have reattached documents about this case
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account XXXX.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I can't sign in my online banking since XXXX this year just because I tried to send XXXX dollars tomy friends. When I call the bank of America customer service. They said they can't solve that and I need to come to the bank counter. When I came into the bank. The manager said they can't unlock my account I need to call the customerf service and transfer to security department. When I contacted the security department. They said they also can't solve that. I need to come to bank!!! 
All these staff didn't help me and let me to find others? What should I do. I just want use my online banking. 

Bank of America tooooooooo bad
Consumer complaint received 2022-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2021 I received an email offering me a job offer as a customer service representative at a company called XXXX XXXX. They told me to connect with individual by the name of XXXX XXXX on XXXX and that he would be my hiring manager. At first I was suspicious but because I was looking for a job and decided to go ahead with it. XXXX told me the company would send me checks to buy equipment for the customer service representative role. he first sent me a check of {$4300.00} that I cashed on XX/XX/2021 however the check bounced and my bank alerted me. At the same time I also cashed another check of {$3400.00} from another job I received from a company called XXXX, the check was cashed on XX/XX/2021 and it also bounced. The hiring manager at XXXX was called XXXX XXXX and after I reached out to him about the bounced check he ghosted me, this raised my suspicion that the XXXX job was simply a scam. However, I was hoping that my other job offer at XXXX XXXX was not fraudulent so I reached out to XXXX XXXX about the bounced check of {$4300.00} and he told me it was a problem with the accounting office which I believed at the time. He sent me another check of {$1000.00} which I cashed on XX/XX/2021 and it ended up going through and then he told me to sent it to him, which I did. He said the money would go towards the equipment and that he needed me to cash another check. At this point I had a high suspicion I was being scammed, but because the {$1000.00} check went through it gave me doubt about whether this was a scam or not. So then he sent me two checks which he reassured me would go through and were not fraudulent, I had doubts but because the {$1000.00} check went through I believed him. so on XX/XX/2021 I cashed a check of {$4800.00}, the check was deposited into my account and sent him the money believing it was a real job, but then my bank which is bank of america told me the check bounced and that they were going to place a balance on my account. I was furious at XXXX XXXX, but he told me it was another accounting issue and that he would send me another check to correct the balance. so on XX/XX/2021 I cashed another check of {$3600.00}, however after telling XXXX XXXX this, he ghosted me and vanished. And so at that point I realized I had been scammed twice which is embarrassing to admit, so the next day I called my bank to let them know that I was scammed and that the checks were probably fraudulent as well. however, despite bank of america acknowledging that it was not my fault and that I was a victim of fraud, they still decided to close by bank account. So therefore, I am now filing a complaint because I believe I was unfairly treated and I would like my record to clean from these issues. I have all the receipts and the evidence to prove my claim, I have attached them to this complaint. 

sincerely, XXXX XXXX
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CO)

I have now received TWO " relia-card '' debit cards from US BANK. One was in my name and address, both correct. The second card, received today has my correct address on it, however does NOT have my name on it. The name listed is someone who does not and has never lived at this address. 

My credit has not been jeopardized at this time, from all I can tell. HOWEVER, US BANK is taking absolutely no responsibility for this issue, nor are they even acknowledging this issue AS a fraud issue. Let alone waiting close to an hour just to talk to anyone at US BANK about the issue. 

I have shredded the card the came in my name and address. At this time I have NOT shredded this newly arrived card. What do I do to prevent fraud AND also to let US Bank know to take responsibility? Typical, the big players, the bank get away scott free and the citizen is the one who pays the price in wasted time, energy, effort and potentially money. REALLY frustrating!
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

Hi, I am a mom of XXXX sons. We had a family plan on our XXXX account for many years while they were young. I called XXXX after they were old enough and we separated the accounts, different addresses. 
my son kept up the account on his own as he was XXXX through XXXX and paid his bills on time, however, he moved to XXXX, and did not pay last bill... I had no idea..he had no idea and no-one EVER called me about it and I have been with XXXX and STILL AM after 20 some odd years and ALWAYS PAID MY BILLS ON TIME!! 
purchasing the newest phones etc and never told about this discrepancy. 
yet, I just open a credit report and i see that this is in collections, has dropped my credit score since XXXX 2021 and I'm livid, as I am trying to buy a house ... MY credit was impeccable, yet this dropped drastically ... I just called JEFFERSON CAPITAL SYSTEMS and paid this {$180.00} debt with my credit card..conf. number XXXX ... 
whether it belonged to me or not..my credit is important. this company is not dealing with public fairly... and they were not very nice either... PLEASE SEE THAT THIS IS ERASED OFF OF MY CREDIT REPORTS... this is unfair, XXXX is underhanded.
Consumer complaint received 2021-10-26
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. (TX)

I SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

On XX/XX/2021, I sent a message to my mortgage company, CMG Mortgage, that it appeared that they paid my annual property insurance bill, from my escrow account twice. Once in XXXX and again in XXXX. The amount paid twice was {$3000.00}. At that time, I was told to allow 7 -10 days to see the funds back in my account. 

On XX/XX/2021, I closed on a refinance and the loan at CMG was paid in full. I have not received the balance of my escrow account as today. 

Since then, I have followed up with online messages and phone calls. On XX/XX/2021, I was told that after some research, they discovered that that sent the first payment to the wrong insurance company in XX/XX/2021. So when they were notified again for payment by my insurance company, another payment was sent in XX/XX/2021. I was told by employee XXXX ( employee # XXXX ) to expect the issue resolved by XX/XX/2021. 

After not seeing any resolution, I called again on XX/XX/2021. I spoke to XXXX. He told me that they have not received any response from the incorrect insurance company regarding refunding the payment and CMG can not refund me until they receive the funds back from other insurance company. He said I could call the incorrect company if I would like. I told him that this was CMG 's error and not mine. They should not be holding my money hostage because of their mistake. They paid the wrong company, not me! 

I believe that laws are in place that any monies left over after payment are to be returned in a certain period of time. To date, my balance in my Escrow account is {$700.00}. Together with THEIR error, I am owed {$3700.00}. 

Please feel free to reach out to me for more information
Consumer complaint received 2021-10-26
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. (KY)

Every single credit bureau is reporting inaccurate accounts on my credit reports and they are in violation of the fdcpa and fcra. This is misleading false reporting at its best. remove all inaccurate accounts from my consumer report asap or I will be seeking litigation. I am attaching all inaccurate accounts to this complaint.
Consumer complaint received 2021-10-26
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.