davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Complaint is against Bank of America, where I have checking account and bank debit/credit card. At times when I have MORE than sufficient balance $ $ to cover transaction charges, the Bank indiscriminately triggers a DECLINE to pay transactions. Example : XXXX a purchase at Target, slightly over {$400.00} XXXX there was around XXXX this held in the account ). The card was declined with NO warning, with NO explanation. Also, my daughter 's card was declined. My daughter needed to pay the bill with another business account, in a final ditch effort to end the capricious conflict. This resulted in extreme embarrassment, and measures that were aggravating and time-consuming to clean up the intervening mess ( while preparing a college graduation event with family coming from all over the country ). The bank should have NO indiscriminate right to deny payments to vendors when I have plenty of $ $ in the account to pay the bills. That is MY money, not the bank 's. 
ALSO, Bank of America declines transactions when I am in another state, even though I live in a XXXX area ( XXXX, XXXX, XXXX XXXX and travel between them almost every day! They insist I post a 'travel ' note on the account, which has a temporary time frame. This is nonsense! Are we living in a XXXX XXXX world? The practices of the Bank of America which abuse consumers and prevent them from using their OWN $ $ must be criminal in nature. The XXXX government surely can not condone such practices. Preparing to remove my money and close the account. What 's next? Stuff it in a mattress? STOP these consumer abuses by criminal banks.
Consumer complaint received 2015-05-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Accounts Receivable Consultants Inc. (TX)

I have had several calls to my work number after I have asked them XXXX to stop calling my work as I am not allowed to have private calls on the company phone. I have also told them XXXX times to quit calling my cell phone and have blocked XXXX numbers they call from, and they still keep calling.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge off 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (VA)

On Sunday XX/XX/2020 I Initiated a XXXX $ transfer from cashapp to my bank account ( chime ). Cashapp told me my funds would arrive on Tuesday XX/XX/2020. Cashapp took the XXXX $ from my cashapp & never deposited in my bank account.
Consumer complaint received 2015-05-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliant Capital Management LLC (TX)

I have been receiving calls for the last XXXX years for a XXXX XXXX ( not me ) about a payday loan. I have asked - repeatedly- to remove my number from their data base, I have received threatening calls, harrassing calls - this is not nor has ever been my debt
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (CA)

I took out a private student loan with Citibank ( XXXX ) in XXXX to attend graduate school at XXXX. Upon completion, I began to pay back the loan ( in XXXX XXXX ). There were XXXX private loans total with XXXX. In XXXX XXXX, Citi sold XXXX of the loans to XXXX. I began to make payments to XXXX, however in late XXXX, due to financial problems, I was unable to make the ballooned payments. I eventually worked out a payment plan with XXXX in XXXX XXXX. We set up a repayment plan for both of my loans with XXXX. XXXX withdrew directly from my checking account to post towards the loan. However, in XXXX, while still on my repayment plan, Citi took XXXX of the loans back and I was not notified by either XXXX or Citi. During the past year ( from XXXX XXXX XXXX ), I was unaware that Citi had taken the loan back. XXXX continued to withdraw money from my account for the repayment plan. I was also still paying back a loan with Citi and I never saw the second loan on my loan account. It was n't until I ran a credit report on myself in XXXX XXXX that I noticed I had a " Charge Off '' loan with Citi. When I contacted them to ask why, they said they took the loan back from XXXX due to delinquency ( even though I already had an agreement in place with XXXX ) to pay the loan. Even though Citi took the loan back, they never contacted me for an entire year regarding the loan. When I spoke to Citi 's Recovery Department, they informed me that they would send the loan to a collections agency to process. I asked if I could just arrange a payment plan with them now since I was never aware of the loan. They said no. In XXXX, I was contacted by a collection agency to begin collecting on my loan. I am in complete disbelief that neither XXXX nor Citi notified me of a loan that was in limbo for an entire year. Now, it has ruined my credit. I have submitted a letter requesting that Citi take back the loan from the collection agency and process it themselves and allow me the opportunity to make the payment directly to Citi. I have also requested that they reverse all the negative action on my credit report.
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: New Century Financial Services, Inc. (NJ)

Please be advised that I have been a victim of a Rip-off from New Century Financial and XXXX XXXX ( the XXXX public records in the Court ) New Century Financial Services is a Collection Agency that 's committing Fraud, using XXXX XXXX XXXX They manage to get my Social Security and my information. Once your name is given, New Century Financial Teams up with XXXX and XXXX which is a law firm located in XXXX NJ and XXXX and XXXX is involved in the XXXX. XXXX & XXXX goes to the court and file factitious and fraudulent judgments against taxpayer. I find out that the person who contact my agency in XXXX works in the Court and also with XXXX and XXXX. They have a scheme where they would constantly Harass and embarrass the taxpayers to the point where they are calling taxpayer 's place of employment and in violation of Federal law. I send a report to the Consumer Affair reporting this case what they did to me, but no ones response yet. Please note that these XXXX account has been paid in full. ( I been calling the person that contact my agency and XXXX and XXXX so they can remove this from my credit ) and now nobody appear. 




Please look at these links Ripoff Report posted on New Century Financial. You can view it at http : XXXX XXXX XXXX. 

Please remove this from my credit report when I look for Job the companies always are referring to this Judgment.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX XXXX * Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention Sincerely, XXXX XXXX
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX, 2015 I made a payment over the phone with BOA, for XXXX month, they waived my XXXX processing fee. On XXXX XXXX, 2015, they took out XXXX XXXX payments from my checking account, leaving me with only XXXX. On the response I received on XXXX/XXXX/15, they stated that because my account was past due XXXX payments they took out more then my payment that I authorized. I want to see their policy where it states, that because I was past due they have the right to deduct XXXX XXXX payments from my checking account with out my authorization. If they can not provide that information they need to compensate my account for a mortgage payment, If not I will be contacting an Attorney. This is my XXXX complaint,. I also requested a call back regarding this issue, I got a call back XXXX weeks later. Keep in mind, that BOA only left me with XXXX in my checking for my family to feed and at that time it was snowing and cold, I had to borrow money to pay my electricity bill to stay warm. So its up to them, do they want to pay me out for a law suit or compensate me for something they are not allow to do with out my authorization. This will be my last complaint I submit, next time it will come from my attorney, I also received a Breach letter, which was incorrect, due to my payment had been made in XXXX/XXXX/15, leaving me with XXXX payment due on he account not XXXX when they reversed that large amount due to I placed a stop on the transaction because I knew it was going to take them weeks before I got my money back, due to debiting more then the regular monthly payment. Now I have to drive to the branch and make my payments because I do n't trust them on making a payment over the phone.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One XXXX credit card is charging a {$28.00} late fee if the user pays the bill after XXXX ET. 

That's abusive practice because the bill it's due on a certain day, the payment is done online, and the day only ends after XXXX, not at XXXX. 

In my case, I arrived at home from my job around XXXX on the payment due date and proceeded with my credit card payment. Capital One had already charged me {$28.00} dollar for a late fee, even though I did the payment on the due date. 

I contacted them immediately to have this fee waived and it was denied.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I am being sued by a towing company i have a rental space with. The amount of money is not correct, I have repeatedly attempted to contact this firm to resolve and no response received. I did file an answer with in the allotted time frame and have since been receiving letters from this attorney to contact them. When i do try to contact again un answered. They then file judgement summerys to place a judgement with a trial becuase they did not hear from me. This is very frustrating. Please hep.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

To Whom It May Concern, I'm writing to file a formal complaint against Navient for unfair practices related to my private student loan, which stems from a fraudulent for-profit school, XXXX XXXX XXXX XXXX that I attended over XXXX years ago. The institution promised an XXXX XXXX program during admissions ( claiming that I will be grandfathered into the XXXX XXXX program once the school became an associate program through the duration of my time enrolled ) but instead engaged in deceptive practices, ultimately convincing me into taking a second private loan to cover the remaining XXXX months of the program I had left, without informing me that I had to renew my eligibility for financial aid to potentially cover the remaining few months of the program that was left. At XXXX, I was unaware that financial aid had to be renewed every year. The program was an XXXX month program. 

At the time, I did not understand the loan terms or the implications of the agreements I was coerced into signing. I was not offered financial aid or the opportunity to reapply for it, which I know now would have been an option. The school 's fraudulent activities have since come to light, resulting in numerous lawsuits, and yet, Navient continues to profit for this predatory loan. 

Upon completion of the program at XXXX XXXX, I became a mother. I reached out to XXXXNavient for assistance with loan repayment, but was offered forbearance, which led to escalating interest rates. This resulted in a debt cycle that has now spanned nearly XXXX decades, making it clear that I would be paying off this loan indefinitely. Only after I exhausted all forbearance and deferment options was, I offered an interest only repayment plan that aligned more with my income. 

Currently, my loan has re-entered repayment following the completion of a program at a local community college. When I sought further assistance from Navient today, XX/XX/year>, I was offered repayment programs with a higher interest rate with a monthly payment that exceeded what is currently showing on monthly statement. This does not make financial sense and is not sustainable circumstances. 

As a mother of XXXX special needs children - one who is non-verbal and another with an intellectual XXXX- I am often required to take leave and change jobs frequently. Despite explaining my situation to Navient, the only options presented are programs that increase my financial burden, making repayment impossible. 

I request an investigation into Navient 's practices regarding my loan, as they are unfair, predatory and unsustainable. Navient 's continued collection efforts on a loan originating from a fraudulent institution, particularly given the settlements and proven predatory practices, are unacceptable. 

Thank you for your attention to this matter, Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander Bank is advertising " Purchase Assurance ( XXXX ) -- Insures you for 90 days from the date of purchase for theft, damage or loss up to {$1000.00} '' as a feature of the XXXX debit card. However, they do not actually offer the service. When I went to file a claim they did n't know about the service at first. Then when they did they directed me to XXXX. XXXX said Santander did not buy the insurance policy necessary for them to offer this service. 
The Purchase assurance is advertised in hardcopy material provided when I opened my account as well as throughout their website, including at : XXXX
Consumer complaint received 2015-05-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My name is XXXX XXXX, i am a XXXX post XXXX veteran, my husband is a senior citizenI Was working with XXXX XXXX on Modification XXXX XXXX for nearly 2 years. He just got indited on for-closure fraud. My mortage has ballooned, I am 1000 % upside down loan to value, Experienced decrease in Now I am attempting to handle this process myself. I just would like for some protection for my case to ensure that Bank of America comply with all Federal, State, and Local regulations assistance due me.
Consumer complaint received 2015-05-27
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (TX)

I was contacted by XXXX XXXX regarding a debt. I asked question and he used an abusive and threatening tone. He continued to talk over me when I was asking questions. I then spoke with his supervisor regarding the call. XXXX XXXX was the supervisor I spoke with and he said that there was nothing to discuss and that they have removed me from the system. I do not need the torment and harassment methods that these individuals used to carry out there daily business. please help it is just plane wrong.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a Promissory Note with Bank of America XXXX BOA XXXX that was cancelled in XXXX. After repeated requests for them to remove the lien on my property, BOA has not yet removed the lien ; nor have they responded to my requests. Furthermore, BOA is attempting to foreclose upon the property on behalf of XXXX using a non approved substitute trustee and foreclosure attorney XXXX XXXX with The XXXX Law Firm, who dismissed the foreclosure on XXXX XXXX, XXXX, withdrew from the case on XXXX XXXX, XXXX and now bringing back a XXXX Motion To Withdraw their voluntary dismissal. 
I seek your assistance in ending further extortion attempts by Bank of America and XXXX.
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

I signed up for a Cash App account because in an emergency I had to sell belongings to get food during this crisis. I get my cash app handle $ XXXX  and setoff to sell my belongings. I exchange the goods and this stranger sends me money through cash app, i get a text from cash app notifying of the funds. Turns out this stranger wanted to buy both of my items for sale so he sent another XXXX and I ASSUMED since I had receieved 2 texts from Cash app stating the this person had sent me XXXX and another XXXX that I was good to go. However attempting to " pickup '' these funds proved to be impossible and cash app would insist on verifying my identify which I tried 2 ways to do and they STILL would not accept so they want a scan of your drivers license front and back, BUT there is no way to take or capture the image for the back so THERE IS NO WAY TO VERIFY YOUR IDENTITY and Cash APP has XXXX I mean absolutely NO SUPPORT WHATSOVER which is very very concerning. How does a financial company that sells stock not have any support, let alone a phone number to call. So, in my opinion this entire company is a complete scam and now they have my financial info, scans of my drivers license, everything needed to commit identity fraud. Not to mention I just lost {$120.00} and will not be able to eat today all because I trusted cash app. Please stop these people as they aided and abetted someone else stealing from me and they do not offer any support or way for me to resolve this issue.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

A third party dept collector has continued to call my cell phone on behalf of BOA. My account is fully current yet the calls the continue. I have filed numerous complaints and made multiple requests for BOA to stop unauthorized calls to my cell phone but nothing is changing.