davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX I deposited a check from one of our clients into our BoA business checking account. The following day I noticed that the check was placed on an extended hold and so then processed to reach out to the bank to see what was the cause oh the hold. The bank claimed that they could not verify the check, rather, that could not confirm that the check was written out to us even though the client clearly made the payment out to us. After speaking to multiple bank representatives and being placed on ridiculously long hold I then came to learn that BoA was closing our business account with them and would not render any explanation as to why they were doing so. BoA then decided to hold the check that I deposited along with the funds in our account, they disabled our ability to view the online banking portal thus making it impossible to transfer funds onto new account in order to continue conducting business. I made several attempts to regain access to our account, BoA representatives were not interested in helping us resolve this issue, they would constantly transfer me to a new person would then give me the same information that the previous person gave, and would they continue to not provide us with any explanation as to WHY this was happening. I also asked to speak to a department manager and was always denied. It has now been over three weeks and the issue is yet to be  resolved, BoA claims that the account is still in the process of closure, and I have not received the check that I attempted to deposit. As a result this has caused a serious strain on our business andcaused us to miss payments due to vendors and such, and has disabled our ability to conduct  business.
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation (VA)

Suburban Credit Corporation has inaccurately reported a debt on my credit report. On my initial dispute, I advised them I have NEVER been a patient of XXXX XXXX. However, they REFUSE to close the account. My credit score is damaged because of this FALSE debt. How can I be taken to Collections by XXXX XXXX if I have never been a patient? Also, I am have Health Insurance. Please investigate this irresponsible reporting by XXXX. It damages my Credit Score and they simply are not doing their job such as ACCURATE reporting. Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2021-02-19
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 (TX)

The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 XXXX b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-03-27
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Consumer complaint received 2023-03-27
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. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX 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
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

There was a XXXX  account that went to collections XXXX of 2018. It was removed than reported as recent which is not true. This is hurting my score a lot
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Consumer complaint received 2023-03-27
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. (IL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XX/XX/XXXX I have purchased a XXXX  XXXX banknote which was sold on XXXX by overseas located seller. 
In XX/XX/XXXX I have called Capital One and inquired about it guarantee policy and I was told that the all products are guaranteed for a period of 2 years. 
In XX/XX/XXXX I have the banknote graded and found out that the note although sold as original is counterfeit. I have communicated with the seller who admitted buying the fake banknote on auction in the XXXX with intention of selling it on as original. The documentation along with the communication with the seller was presented to Capital One as dispute which I opened in XX/XX/XXXX. Subsequently the Capital One assured me that they take consumer protection seriously and opened the dispute with the seller while granting the temporary {$80.00} credit. I was told that the bank will reach out to the seller to present their own version of events and confronted with the evidence provided to Capital One. However and without warning the bank after opening up the dispute in what appears to be a bad faith so it can analyze the legal liability for assisting sellers selling fake currency, closed the dispute without warning and took the credit back. When I inquired about this I was transferred to XXXX different people on XXXX call with the last person stating that the dispute was " out of the statue of limitations. '' 3 Questions : 1 ) why is the bank aiding and abetting illegal sales of counterfeit currencies which break US and international laws?

2 ) why is the bank opened the dispute in bad faith so it can gather info about its own liability instead of taking care of the customer?

3 ) why is the CFPB and other GOVT organizations allowing banks to break US legal statutes ( including provisions of the Patriot II Act ) that fight illegal transfers of money and counterfeit currency sales?
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OH)

someone used all my information two purchase two XXXX XXXX tickets. two tickets in XXXX XXXX XXXX and they are asking to pay back something i never authorized i provided a police report to this company i have provided a notarized affidavit this was identity theft i have provided a identify report, yet they want me to pay for something i never did and they continue to call me and send me letters about debt thats not mine
Consumer complaint received 2021-02-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

i have never received any type information about this debt that i owe, never received nothing in writing, i never received anything by phone about this XXXX debt. i have paid XXXX to this agency and that was the final payment, however now on my credit report is coming back that i owe this XXXX this is wrong, this is inaccurate, this is a error, this is a mistake, and this is against the law to not accurate report on someone's credit report
Consumer complaint received 2017-08-01
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: Experian Information Solutions Inc. (AL)

I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!
Consumer complaint received 2021-02-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I am the recipient of blatant systemic institutional racist predatory XXXX XXXX business practice conduct from Rocket Mortgage ... ie ; XXXX XXXX ( XXXX ), XXXX XXXX ( Director Mortgage Banking ). 

I applied for a mortgage loan on XX/XX/XXXX with XXXX XXXX, on on a income property that I own in XXXX, Texas. On XX/XX/XXXX, I am then tossed over to XXXX XXXX like some XXXX that just got off a boat, despite that ill feeling I went forward and went through the whole submission process appropriately providing ALL requested documentation, and even having these XXXX run my credit from the onset ( without my authorization ), and knowingly being mislead, and be told that I DID qualify for the mortgage loan. 

On XXXX I receive a phone call from XXXX XXXX telling me that all submitted documentation is complete, and satisfactory, and that the last step needed would be for me to go onto the application site, and complete the deposit agreement by providing my banking information, which I completed, and did on XX/XX/XXXX. 

On XX/XX/XXXX I received a email ( attached ) from XXXX XXXX telling me that my loan application had automatically withdrawn itself, ( straight XXXX misleading misrepresentation ) despite me complying with the directive, and his request of the above mentioned deposit agreement being completed, again done on XX/XX/XXXX. Per the attached email, he tells me he can recreate my loan application, and all I would have to do is resign the application online. Or ( verbatim ) we could drop this, and part ways ( more XXXX ). He would have the documents sent back to me to resign. I agreed to continue to move forward, and resign the documents to move the process forward. 

Today, XX/XX/XXXX, I receive a phone call from XXXX XXXX, asking me if XXXX XXXX had contacted me, and that he had called me 2 times, which is a ( XXXX lie ), and part of the misleading misrepresenting ruse that has been ongoing from/by these XXXX, He then commences to inform me that XXXX XXXX had made a mistake, and that I didn'nt qualify for the mortgage loan. 

Again, this is some straight blatant XXXX XXXX XXXX XXXX racist predatory redlining lending XXXX, and was done because I'm a XXXX American, and what is taking place with the devastating catastrophic weather conditions in the State of Texas.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I ordered a check online in the very early morning on XX/XX/2021. When I ordered, I saw it said the order would be shipped 1-2 business days, and the estimated arrival date was XX/XX/2021. I need that check this or next week, but XX/XX/2021 still seems to work for me. However, when I check the order status today, which is already the end of the fourth business day, and I found out it still not shipped but the estimated arrival date changed to XX/XX/2021. This is too late for me. I decided to go to the financial center to get a cashier 's check instead. Therefore, I ask the online live chat customer service to help me cancel my check order. But I waited few hours and did not get any email or text notification about the order canceling. I called the regular customer service number to ask them to check if my order is canceled or not. But, no one can answer this question. They transformed the call for me, and they asked me to call XXXX and XXXX. But the transformed call did not work, it just ended the phone directly. I called XXXX, it asked me if I want to reorder a check. When I said no, it directly ended the phone. When I said yes, it said I had an existing order and can not let me go ahead. Similar things happened with the XXXX. No matter what, I just do not have a way to check if my order is canceled successfully or not. What if I do not receive my check and I think it canceled successfully but in fact, someone else gets my checks and I do not know anything about it? It really makes me frustrated. I would like to ask them to cancel the order for me if the last canceling did not successful, but still, no one can help. Each customer service just told me to call the XXXX and XXXX later. I really dont know what should I do. By the way, their customer service number is really a waste of time. I called them two days with more than 40 calls. Most time I just heard the music and waited for the available specialist. Each time I need more than 30 min to get in touch with a specialist and he/she in the end did not help anything. Could I just submit my request and let them figure it out for me when they have the time instead of waiting for the available specialist for more than 30 min?
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (NJ)

Today XX/XX/2021 i received my son 's Way2Go prepaid benefit mastercard through mail. 
Unfortunately the {$100.00} balance was to be spent untill XX/XX/XXXX I checked the ballance online and it is {$0.00} today What can i do? 
Please advise
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.
Consumer complaint received 2021-01-02
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: Experian Information Solutions Inc. (MA)

Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc. 

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Over a two week span dating from XX/XX/XXXX to XX/XX/XXXX, I was looking to buy a new car since my old one is due for a severe amount of repairs. I had several hard inquiries into my credit but since the payments offered were so high, I decided to not buy a car.