davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

To whom it may concern, I notified my banking institution ( Bank of America ) on XX/XX/XXXX of fraudulent activity on my personal checking account that occurred between XX/XX/XXXX and XX/XX/XXXX. Someone was making XXXX Transfers out of my account without my authorization. I placed a freeze on my account and opened a new account with bank of America. One week later, I found the same charges happening and placed another freeze on my account. A claim for both fraudulent charges was made on XX/XX/2018 and XX/XX/2018. It wasn't until XX/XX/2018 that Bank XXXX XXXX notified me that they were denying my claim and has yet to notify me in writing that this happened. It was only because I went to my local branch to inquire that I found out this information. The claim was denied on the basis that the money was wired from my account using an IP address and email that was consistent with previous transactions. 

Later that day, I sent proof to the claims department that my computer was hacked and someone illegally took money ( {$20000.00} ) from my account. It wasn't until XX/XX/2018 that the bank confirmed that they received the documents I send on XX/XX/XXXX. I am now being told that they have until a date range of XX/XX/XXXX through XX/XX/XXXX to make a further decision on my fraudulent charge. In the interim, I have bills to pay including my mortgages of which that {$20000.00} was to pay. 

I am unable to speak to anyone at the bank that has any real knowledge of what is going on and I am not even certain that I have provided enough information to prove that I was hacked. I am not an IT manager so I really do not know if what I gave them is suffice. 

Every time I call them, I get the same answer that they are working on it and they will not provide me with the required credit after 10 business days as outlined in their own procedures because they are claiming that the claim was closed by being denied and their clock starts over. 

I have provided everything that I think I need to prove my case and every day that goes by is another day that data gets lost within my system. Not only was my identity stolen, my computer system hacked and my personal property taken from me and my family but now I get to wait 30-45 days to see if Bank of America has enough information to even get to the next step.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

XX/XX/2018 I submitted a letter to Experian which was to follow up on a letter submitted XX/XX/2018. I was told that the courts verified the public record then I stated the US courts doesn't report Public record. then they stated it came from XXXX. I contacted XXXX  they stated that they have not verified any items to Experian.
Consumer complaint received 2022-07-25
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. (RI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent. Provide proof of written consent or remove account from the credit report.
Consumer complaint received 2018-08-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (MO)

Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Santander to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (CA)

On XXXX XXXX I open a checking and savings account for CitiBank with promotional code XXXX which stated I needed to have a combine balance of {$15000.00} for 60 consecutive days to received a {$400.00} bonus and direct deposit for {$100.00}. I had called in after my bonus period was over to see if I can closed the savings account after the promotional period and was told I could. I did and I changed my checking account to a basic checking and now have to change to an access account because the basic charges a fee if I do not use bill pay. I had ask them to change my account to one that only requires direct deposit to waive the fee and they couldn't even do that. I received an email saying I completed the task and that I would received the bonus. Now that it has been 180 days, they said that since I closed my savings account beforehand, I would not received any of the bonus. The email they sent says that I never open a savings which I did. They told me I was given misinformation from the previous called and that they couldn't do anything about it.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (OH)

Due to circumstances beyond my control, unable to make mortgage payment starting in XX/XX/XXXX. Had to vacate house with my child XX/XX/XXXX. Listed property for sale, did borrower assistance application for deed in lieu of foreclosure and/or short sale, as realtor listed property at less than what was owed. First offer for short sale XX/XX/XXXX. Mortgage company repeatedly claimed missing documents or info, all of which was sent by myself and my realtor. After 6 weeks, buyer rescinded offer. Another short sale offer for cash in XX/XX/XXXX. Exact same thing happened, second application with all required paperwork filled out and sent in. Lost second buyer. Then was supposedly approved for deed in lieu, all papers received and signed with notary, sent in XX/XX/XXXX. Few weeks later, told an additional paper needed signed, emailed to me. I signed it, and like everything else, emailed it back ti multiple individuals at Roundpoint, as well as the loss mitigation email. Then informed needed hard copy by XX/XX/XXXX ( they told me this after XX/XX/XXXX, and I had NEVER been told of a deadline, nor had my lawyer been told. Argued that they should still continue to deed in lieu, and was told by Roundpoint thay they were still working on it. Their lawyer contacted mine. And then wanted that one paper XXXX XXXX XXXX  to the lawyer directly, which was done the very next day. Now, all of a sudden, they're saying I have to start the process all over again, which I've done multiple times over the past year. My realtor had said I her 30 years in the business, had never seen a mortgage company do this to someone. Please help me.
Consumer complaint received 2018-08-16
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. (MI)

I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I sent a letter to XXXX, equifax, and XXXX  about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MA)

My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers.

I found a link to XXXX which is apparently run by the major credit bureaus.

After two days [ XX/XX/XXXX-XX/XX/XXXX ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests.

I have filled out the form dozens of times including the XXXX  and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field.

I have tried both XXXX and XXXX to no avail.

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry.

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NV)

I have contacted XXXX XXXX on several occasions over the span of the last two years. They list a collection account from XXXX XXXX on my credit report. However, I have never had insurance through XXXX, only through XXXX. Despite numerous requests to have the information removed from my report it continues to persist.
Consumer complaint received 2018-08-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

Received call from XXXX  XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.
Consumer complaint received 2018-08-16
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

I first want to start by saying that I am unsure if I selected the correct categories because I am in a very odd situation, frustrating situation at that. 

My work offers an HSA ( health savings account ), and they require you to go to a specific bank ( People 's United Bank ), to open the HSA account, they also give you a {$500.00} to deposit into the HSA account. Why I feel this is an urgency, is because I just had my wisdom teeth extracted and I could use the {$500.00} that my work gave me to front load my HSA account. Well, when I went to people 's united bank this week and a week ago, they told me that I showed up on a chex system report, meaning that I had an outsanding charge off with another bank. People 's United bank couldn't tell me which bank was reporting that the first time, but for some reason they were able to tell me the second time which I find frustrating that they couldn't tell me the first time. The second time I went into people 's united bank in  XXXX, NH, they told me that XXXX XXXX XXXX was reporting me and that I couldn't open up the HSA account. 

I had to think for a minute because my the only bank that I have a checking or savings account with is XXXX XXXX XXXX XXXX. I then remembered a few years back, my father was going to jail and he needed someone to pay his bills for him while he was in jail, and he had me put my name on his account at XXXX XXXX XXXX XXXX so I could pay his bills. Well, I went straight to XXXX XXXX XXXX in XXXX, NH and the manager terminated my name from my father 's account, but wasn't able to report that I wasn't responsible for the {$3000.00} charge off account that my father accrued with XXXX XXXX XXXX XXXX. My sole purpose was not to be on my dad 's account to pay his fees, but to pay his bills for him while he was in jail. Now I can't open up an HSA account at People 's United bank until my dad 's balance at XXXX XXXX XXXX is paid off. I don't feel that is fair to me because I honestly didn't realize my name was still on my father 's account and nor did my father tell me that I was still on his account. So while he was racking up a bill with XXXX XXXX XXXX, my name was still associated with his account. I am furious! And I will take every step that I need to, to resolve this. I don't feel at all this is fair to me especially for the reasoning that I was on his account. 

XXXX XXXX at People 's United bank sent me an email XX/XX/18 stating that I can't open up an HSA account until the balance at XXXX XXXX XXXX is paid. 

XXXX XXXX at XXXX XXXX XXXX provided me a letter XX/XX/18 stating that I was terminated from my father 's account to provide to Peoples United Bank, and even after providing that letter, XXXX XXXX still told me that I couldn't open an HSA account
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP, LLC (CA)

on XX/XX/2018 my XXXX ( XXXX XXXX ), card was decline on a transaction due to low funds on the account, when I arrived to my house I checked online and notice multiple transactions that I did not authorized and called Global Cash Card and explained to them, of the transactions that made on my account with out my authority. at the time of speaking with a Global Cash Card rep, the person who I was speaking with looked at the information in their system and agreed of the multiple transactions. further more they explain if I do not receive a letter I should get a credit back to my account or if I receive documents to fill out to do so and send back .... I received a dispute form on XX/XX/2018 and send back to Global Cash Card Dispute Dep. via email by XX/XX/2018. on XX/XX/2018 I received a letter from Global Cash Card dispute Dep. determining no error and because of that they will not credit my account back on the unauthorized transaction that I explain to them I did not make, soon after receiving the decline credit letter I called and then I was asked to get a police report to re open the case since they decided to close the case. got the police report and send via email and to this point I have try to contact Global Cash Card by phone and via email and still they're saying the investigation was finalized and determined there was no error and no credit will be issued. I have explain to them, that I did not gave anyone authority in any way shape or form to use my card and have not misplace my card..also I have received any information/documents they say they used to make there decision ... I mention to Global Cash Card, that I do not have none of the Disputed accounts. also attached are PDF and Note files and have proof of emails we send to them per their request
Consumer complaint received 2018-08-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zenith Financial Network Inc (CA)

Received call from XXXX XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX  XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.
Consumer complaint received 2018-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Equitable Acceptance Corp (FL)

I XXXX XXXX request through the Consumer Financial Protection Bureau assistance to have the collectors of a privatized student loan cease and desist making calls to me personally or my co-signer, who happens to be my uncle XXXX XXXX, who happens to be getting unlimited collection calls at his home as well. I demand under my rights with the Fair Debt Collection Practices Act that all calls cease immediately to both myself and my uncle, and that any correspondence be in written form only. I will deal with this agency in written form only, and from this point forward I am the only person that should be contacted on the collection.
Consumer complaint received 2018-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

This is becoming very exhausting. For whatever reason XXXX keeps removing my capital one account from my credit report which keeps dropping my credit score. My account is still active. My card ends # XXXX. Experian and XXXX is currently reporting however once again XXXX Keeps removing it. This is not fair to me and has kept me from relocating due to the huge drop in my credit score. 

I am also an authorized user on my moms Capital one account. That account was also removed. My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of $ XXXX.XXXX 's customer service is horrible. I've been told over 10 times the issue is with Capital one however when I contact Capital one my account is still active and was told over 10 times they report to each credit agency.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The following accounts/items do not belong to me. Please delete immediately. 

Finger Hut- this account is not mine. Action Requested : Please Delete the entire account from my credit report.

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please delete the entire account from my credit report.

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX  XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

XXXX XXXX XXXX is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XXXX and purchased buy PR in XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that XXXX XXXX is doing inquiries on my credit report as follows : XXXX : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment.

Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.
Consumer complaint received 2018-08-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my Experian credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " XXXX XXXX '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks