davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I would like to file a complaint against Bank of America as their gaps in process is promoting frauds. 
i. I deposited money received from XXXX XXXX for my dining table set. The deal was through offerup. XXXX was planning for a fraud which I was not aware. She had to pay me {$700.00}, but instead paid me {$2200.00}, asking me to pay to movers as her manager made two checks instead of one. Although I resisted, she convinced me. I was making a cross country move and wanted the set to go away and agreed. 
ii. The check showed as deposited on XX/XX/XXXX in my bank account. I transferred {$1500.00} to XXXX XXXX on XX/XX/XXXX through XXXX ( Phone number - XXXX ) based on the BOA status as the money had come in my account. ( {$2200.00} - {$700.00} = {$1500.00} ) iii. The bank took away the money on XX/XX/XXXX from account mentioning the check has bounced as part of their verification. My XXXX transfer money got deducted from my account. I incurred a loss of {$1500.00}. 

My complaint against the bank is- i. They should not show money as deposited if they have not fully verified or put money to my account, as people use that data to transfer money / do any transaction further. 
ii. If they have shown the check as deposited, they should verify with account owner before taking away money from any account iii. The bank closed my complaint sometime back of the check bounce taking no responsibility of it. They are trying to work with XXXX in getting back my money ( they logged the XXXX transaction as second case ), but I do not see any progress for the last month and am a little nervous as the money is very important for me. 

Due to this process gap, many fraud people are taking advantage and innocent people who earn money the right way are cheated. 
When I talked to police about it, they mentioned that BOA is federally insured so they should give back the money. 

BOA case Number XXXX XXXX Account Holder Name : XXXX XXXX Email : XXXX, XXXX Mailing Address : XXXX, XXXX XXXX XXXX, XXXX, WA - XXXX Attachments included : 1. Check received 2. Bank transactions 3. Email snapshot from XXXX ( i have the whole mail chain that I can forward if that helps in any way )
Consumer complaint received 2021-10-12
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. (NJ)

This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2020-12-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

We had job loss that lasted 2 years for my husband and then myself. We finally filed chapter XXXX. The attorney that we had gave us a payment of {$680.00} but when we got to bankruptcy court we were informed that the amount was wrong. Our attorney said not to worry the new total would only be about {$100.00} more, it ended up being almost {$300.00} dollars more. Over the last 2 1/2 years we paid over {$23000.00} towards our bankruptcy. I. XXXX we became behind on our mortgage. In XX/XX/XXXX we received a notice that we had 10 days to pay {$17000.00}. Well in the midst of covid that was impossible. Fighting back and forth with the attorney for PHH and having XXXX XXXX and XXXX  XXXX we finally had to voluntarily dismiss our bankruptcy because they wanted to go to court to get it dismissed. We tried to apply for a modification but they wouldnt help us. We are fister parents and have so much going on with our kids losing our house would be devastating.
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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.
Consumer complaint received 2021-10-11
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: World Omni Financial Corp. (GA)

Southeast Toyota Finance is in violation of 15 USC 1692e ( 8 ) ; Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Southeast Toyota Finance is in violation of 15 USC 1666a ( a ) ; Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 


This debt is currently since XXXX being disputed and has not come to a conclusion yet. There has been numerous cease and desist, affidavits and debt collection notices sent out to Southeast Toyota Finance. Southeast Toyota Finance has deceptively and falsely reported a late payment to XXXX, XXXX, and XXXX WITHOUT the consumers ( my ) consent! this constitutes as IDENTITY THEFT per the CFPB definition : Stealing your identity could mean using personal information without your permission, such as : Your name Social Security number Credit card number!! I never authorized this information to post onto my credit report as they provided XXXX, XXXX, and XXXX with my personal information and is tarnishing my reputation by doing so.
Consumer complaint received 2021-01-07
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. (LA)

Last XXXX I've sent documentation for those unknown and inaccurate accounts I found on my credit report. It's been 60 days now but there's no response yet. I'm a victim of Equifax Data Breach. I demand to immediately DELETE those accounts or I will file a litigation for causing me so much stress.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (IA)

To Whom It May Concern : I opened up a XXXX XXXXXX/XX/XXXX. I paid a deposit of {$360.00}. After a short period on the XXXX plan I realized their service was not acceptable. I decided to return to XXXX. On XX/XX/XXXX, I went to the XXXXXXXX  location in XXXX XXXX XXXX Iowa and returned the device. I was within the 14 day grace period for cancellation without penalty. I also spoke with the XXXX rep, I believe her name was XXXX and told her I no longer want to be a XXXX customer. I explained to her the situation and she said that she understood and apologized. My daughter who is in college in California also returned her device on XX/XX/XXXX. I told the agent to discontinue my service and I ported out the ONLY 3 lines that should have been activated. Documentation is attached At this point, I believe I did my part to end my contractual obligation with XXXX. I also was expecting a refund of the deposit I put down. Which I have not received. This is the second time this has happened to me with XXXX 

XX/XX/XXXX, I noticed a collection on account from Amsher Collection Agency. I didnt receive any correspondence from XXXX prior to the collection that was placed on my credit report. After I investigated the situation further. After I told the rep I would like to cancel my service and ported out the only 3 lines that should have been activated. XXXXXXXX  continued to bill me for 2 lines of some random numbers and services. The phone numbers XXXX, XXXX and XXXX XXXX are the ONLY numbers that should have been activated. The customer service rep DID NOT communicate that there was any other important information. So I was oblivious to the whole situation. When I reached out to XXXX they told me my account was closed and sold. Therefore, they could not provide any information. However, when I spoke with XXXX they told me that XXXX still owned the account. Im extremely frustrated. I didnt receive my refund and I have a collection debt that I do NOT owe. I believe this a predatory practice as I have spoken to several other customers who XXXX  has taken this action toward as well. Lastly, I have provided proof of the return of lines and random lines. I would like support with removal of this collection account as well as any other legal action I can take toward XXXX.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2021 I called Transunion in order to figure out why it is giving me an error about disputing online. I speak with a few agents who were confused and sent me to their supervisor. I spoke with A supervisor by the name of XXXX his transunion employment number is XXXX. He specifically told me I can not dispute any collection or chargeoff online. Then he told me I should call the dispute department who should be able to do it. But when I call them they immediately send me to special handling in which they told me my file is good and should be able to dispute. I have been on the phone for 5 hours with three different departments consecutive times and no one can identify why I cant dispute on the phone or online. Please give me some help or correspondence to get this corrected.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion you have 3 violations that are reporting on account XXXX XXXX { XXXX XXXX  } remove this account for violations Enclosed is a receipt for the violations { 1 } no account number { 2 } can not report open account on a collection { 3 } no closed date from the original owner = {$3000.00} for violations or delete this account at once and call it even
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2021 I paid {$470.00} for Healthcare Insurance with a company called XXXX. 
XXXX mistakenly charged my card twice ( {$470.00} x 2 ) instead of just once. 
I contacted XXXX by phone and also by XXXX through an insurance broker called XXXX XXXX. XXXX says that on their end only one charge is showing. 
BUT on my XXXX Credit Card statement there is clearly TWO CHARGES that posted to the account. I only authorized ONE charge, so the other needs to be removed. 
The insurance broker at XXXX XXXX said two weeks ago that XXXX is going to remove the extra charge, but they have not done it. 
I opened a claim with the XXXX Barclays but they still have not resolved it despite the fact that its an obvious case of a mistaken double charge.
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: AFNI INC. (FL)

XXXX XXXX I mailed a certified dispute letter to AFNI inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

On around the 1990 's I opened a Wells Fargo account and my account was closed and my identity was used for a Home Mortgage Loan by another Wells Fargo recipient in which Wells Fargo used my information to allow the recipient to use my name to obtain a home loan as I had a checking account with Wells Fargo around 1990 's. 

I don't have any bank statements from those years of 1990 's but with my social security information, Federal Government can conduct a investigation on issues of Wells Fargo XXXX and Retaliation. 
Wells Fargo stated that I had or have a open checking account ending # XXXX, why Wells Fargo didn't provide the whole checking account number with evidence of Bank checking account statements for evidence? 
Why Wells Fargo send me a check of {$XXXX} in which I will not cash and on the letter it says to XXXX or XXXX? 
I am unware of this issues of Wells Fargo, but this is a major Discrimination and Retaliation against me as a XXXX and my National Origin and my XXXX status and Violations of my XXXX XXXX Civil Rights XXXX under Department of Justice.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TX)

Close to XXXX XXXX was taken from me from someone having my personal information and using a bank account to receive unemployment benefits from beginning of XXXX to late XXXX I have contacted this bank stated that I did not do those transactions and dont even live at the address the bank account was opened under its in totally different city and zip code as well as the transactions only being atm withdrawals no other transactions I think its ridiculous I have made dispute form sent it to the bank and I have even sent them a police report stating the incident with the best information to my knowledge either the bank doesnt believe me or they are just trying to play me like a fool and not doing their job as a bank to thoroughly investigate before giving a no error status I have been dealing with this since XX/XX/XXXX and no one seems to want to give my money back even though it says my money is FDIC insured up to XXXX but they cant see that someone used my identity to get money that wasnt for them and had access to the bank account as if they were me. I have been able to recover access and get back into account and use card normally but thats after a few weeks of calling back and forth to get a response I dont believe the bank is fully investigating and they are just assuming what they see is correct but do they not understand this is a pandemic and everyone is trying to get money these days including stealing peoples info and getting things that they were not supposed to get similar to my situation. I desperately need this dispute to be resolved I have a family and bills and so much stuff to handle I cant keep dealing with this stress making it harder not knowing if Im gon na get my money back or not
Consumer complaint received 2021-10-11
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau 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 remove the following account : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX Balance {$0.00} Opened Date XX/XX/2017 2017
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Paypal Stole my money. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Government of Canada is Corrupt and I need help. 
Services Stole and did not receive money after time elapsed in contract.
Consumer complaint received 2023-03-03
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. (MD)

XXXX XXXX removed collection remark from my credit report. XXXX. I filed a claim with the consumer financial protection bureau about another issue. XXXX XXXX has changed the remarks back to collection and the address that they are reporting from is a Virginia address. It used to report as XXXX Maryland but since I launched an investigation they have since switched the address on my credit report to a Virginia address. It is unlawful to get a loan in another state where you do not reside. As there are laws in that state that protect their people and the laws are different per state. They know they are wrong for doing this and I want them to change it back to XXXX, Maryland where they were originally reporting from. I did not get a Virginia loan. Branch that I paid my payments to what's located on XXXX XXXX XXXX and when I called I always go to a representative at that branch and if there was an issue they would transfer me to XXXX Maryland. I believe they changed the address so that they could change the remarks again and avoid detection. What they are doing is unlawful.
Consumer complaint received 2020-12-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-10-12
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)

On the morning of XX/XX/2021, I awoke to a withdrawal made on my EDD BoA debit card for the amount of {$5000.00}. As any sane person would, I immediately called the bank, waiting for over an hour to be helped, I finally got a pick up on the other line. I placed the complaint/dispute and was issued a new card which would take 7-10 business days. I waited a few days and received my card. As soon as I activated that card, I had an IMMEDIATE withdrawal for the rest of the funds in the account in the amount of {$2400.00}. I again call and was hung up on about 6 times until I finally got a nice rep and transferred to make yet another complaint/dispute. I was then allowed to make the dispute, then was told there was an online account attached to my said account. She stated I needed to remove that account so any further withdrawals could not be made. Why wasnt I told this the first time I made the complaint? I was told this until my account was at XXXX. I was then issued yet another card. Its been over 10 business days. I have not heard a word and I have nothing to pay my bills. With my electric bill due in 3 days I have XXXX to pay that off. BoA is saying the consumer has zero liability. I dont feel that way. To be fair, I also feel it was an inside job because they first tell me someone needed to call and make the first withdrawal, then to tell me its a linked online account making the said transfers. Transfers take some days, why werent they immediately refunded? BoA, you are failing.