davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (MD)

BBT BUSINESS CHECKING ACCOUNT NUMBER XXXX XXXX XXXX My account was charged off.I made a deposit of {$200.00} to clear up the overdraft.They owe me credits in the amount of $ XXXX.Which is still under review.Due to me filing a fraud claim.They overlooked my claim and closed out my account.On XX/XX/2018 There was a positive balance of {$120.00} in my account.My storage cost was $ XXXX.So I paid my storage cost.XXXX XXXX went into my account and took $ XXXX.When they only should have taken $ XXXX.Whichj cause my account to overdrawn.I had a positive balance of XXXX. {$90.00} should have been deducted from my account.Which should have left with a positive balance of about $ XXXX.Which would have covered the 3 XXXX fees.But Due to XXXX XXXX taken more then they were to suppose to take.It cause my account to be overdrawn.I have failed an 2-3 fraud claim about this matter.Nothing has been done about the {$240.00} as of today.Its still under review.I don't know why they close out my account.When they knew it was a fraud claim on the account being reviewed.I want CFPB and BBT to investigate this serious important matter concerning my account.Which is now charged off.

I am a XXXX XXXX.I know my rights and I may file a civil suit in Federal court in my city.The law suit depends on the outcome of this investigation and serious important matter.

My account should not been charged off.Due to a fraud claim being reviewed on my account.A fraud claim was filed.BBT is obligated to analyze and investigate this serious important matter.So why was my account charged of.

They also charged me a bogus charge off fee of {$30.00}.

Again I am a XXXX XXXX. I may file a lawsuit in Federal court.This is a violation of Fair Debt Practices Act.I want to reopen up an account and reestablish my good history with the bank.I was reported to XXXX XXXXWhich is a FDPA VIOLATION.

Here is my Fraud Claim # XXXX  ... .There is one claim still open. This is a legal bidding record of my claim and they are legal obligated to investigate and credit my account.

They should have enough heart to allow me to open up an new account for my businesses.Again my account should not have been charged off.

Left credited my account $ XXXX.Due to then charging my account $ XXXX.BBT owes me a {$36.00} credit. for the NSF Fee that was changed to my account.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I applied for a can loan though one dealership and now I have 6 inquiries on my Transunion report, I called and explained the situation customer service refused to take care of it. 
I'm a victim of their inquiries issues
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

I checked my XXXX XXXX account and saw a collection from Aargon Agency Inc for {$1600.00}. I have no idea what this is for and they have not sent me anything stating what the debt is. I need this collections to be removed from my credit report.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I had a mortgage with Shellpoint Mortgage and they foreclosed XX/XX/XXXX. In XX/XX/XXXX they placed Lender Placed Insurance on my account. I had a condo, the condo association has a master policy with coverage on the property. All the necessary paperwork was emailed to Shellpoint and the supervisor of the insurance department emailed me to confirm. My mortgage was {$930.00}. For the months of XXXX, XXXX and XXXX Shellpoint had me owing {$1200.00} and change and then for XXXX {$970.00} and change. I have been calling and arguing with this company since XX/XX/XXXX thru XX/XX/XXXX to fix the amounts since the Lender placed insurance was canceled. I received a foreclosure notice in XXXX. They still have not fixed anything ; they foreclosed on XX/XX/XXXX and now are trying to offer me {$4000.00} to vacate the property and it must be signed by Fri XX/XX/XXXX. I would like an analysis of my account completed. Although my property is already foreclosed on, I do not want them to do this injustice to any other home owner and wrongly foreclose on their property due to negligence to get the corrected amount so people can pay their mortgages.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MI)

XX/XX/18 I applied to a web page that pop up on XXXX that if I applied for this credit card I would get {$100.00} of a flight that I was booking. I applied and was approved with a credit limit of {$6800.00}. than the screen went black. I called the company and asked how will I know that the XXXX went through the representative said it will show up on your first bill. A few days later I call the company again Barclay and was asking about the charge for the tickets and about the {$100.00} credit. The rep said there wasnt any charges on this account. I said well I received confirmation of the flight how did I get the tickets if it isnt on the charge. Rep said he didnt know. I hung up and was trying to figured out what happened and thought maybe they charged my XXXX XXXX Card. Sure enough when I called the charge was put on my XXXX XXXX Card. When I called Barclay about the XXXX that I was suppose to get on the tickets he said I need to make a purchase again and they would apply the XXXX. I told him the whole purpose of me applying for the card was to get the {$100.00} off the tickets that I purchased on XX/XX/18. He said there wasnt anything he could do.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

XX/XX/XXXX - We sent a fax to close a secured XXXX credit card account with XXXX XXXX. Verified fax was received. Requested a refund of {$500.00}, the secure holding. 

XX/XX/XXXX - XXXX XXXX authorized to release fund, according bank representive. 

XX/XX/XXXX - Spoke to representative at XXXX, who stated funds were authorized to be released, but could not give me a date as to when. 

XX/XX/XXXX - Spoke with a supervisor at XXXX XXXX, who sent out an in-house email to find out when funds will released. She said to call back Friday XX/XX/XXXX to get an update. 

It has been 100 days since XXXX XXXX was requested to close account. I do not feel confident that I will receive a refund with the run around I get when call to get an update. My husband also requested to close his account the same day and has received his reimbursement already.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

My wife and I filed bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. The account we are having problems with is a private student loan that I was a co-signer on for XXXX  XXXX XXXX account # XXXX. This account was discharged in the ch. XXXX bankruptcy making myself no longer legally responsible for this loan, and No account balance or delinquency should be shown on this account on my credit report. The credit agency Equifax absolutely REFUSES to report this information correctly. Equifax is still stating that this account is delinquent and that a current balance is owed. Even though on XX/XX/XXXX, Equifax, sent me a credit file Confirmation # XXXX stating that they hired a third party vendor named XXXX, and that company determined that US Bankruptcy Court-XXXX Discharged this XXXX  XXXX XXXX account in a Ch. XXXX bankruptcy on XX/XX/XXXX Case # XXXX. The credit file also states that the account with Equifax has been updated to show that it was included in the bankruptcy and that there is no amount past due, no payment amount due, and no balance. Yet with all this information that has been provided to Equifax over the last 8 YEARS, multiple times, this company still ABSOLUTELY REFUSES to legally report what was ordered by a court of law. I have filed a complaint with the CFPB before on this matter, I have made several calls to Equifax, and I have also requested help with a credit repair agency. Enough is Enough. I want this situation rectified immediately. This company has illegally harassed me long enough.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (OH)

Ability Recovery Services contacted me by phone several times, the most recent being XX/XX/XXXX for a debt owed to XXXX University. As of XX/XX/XXXX this debt has been fully paid to XXXX University through their online portal payment system. As a result, the balance with the University has been satisfied and is no longer owed. I spoke with XXXX XXXX and another rep who identified herself as XXXX XXXX on Thursday, XX/XX/XXXX at XXXX and XXXX. I notified the collector that I had made a payment with XXXX University via their online system in the amount of {$1600.00}. These payments were made on XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$1300.00} and covered the total debt I had with the University. The representative was very short with me and extremely rude. She hung up on me and denied me access to speak with a supervisor regarding my account. I inquired about the process for removing the account from credit report once the balance has been paid. The representative stated that the account will first report as paid in full and then two weeks later it will be removed from all three credit reports. I asked could I get a statement in writing confirming this and she noted that Ability Recovery Services would not be able to furnish a written statement. I have repeatedly asked to escalate mt concerns to a supervisor and the representative continued to say " I am not going to go back and forth with you or transfer you ''. The representative has noted that unless I am calling to make a payment she will not speak to me. I also have reason to believe that the representative who identified herself as XXXX XXXX, lied about her name. Based on the voicemails I have received from " XXXX '', her voice and accent sounds exactly the same.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA and XXXX  have both been sent 4 disputes on account that is reporting " derogatory '' that is paid and no history of being derogatory. Ive attached the 4th letter I sent to XXXX  and the copy of the credit report.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

OnXX/XX/XXXX I made a purchase with my Walmart synchrony card, at a Walmart for {$300.00}. The most recent purchase raise the balance to a little over {$1700.00}. On XX/XX/XXXX I came home to a letter from XXXX XXXX stating that they were dropping my credit limit to {$1400.00} from {$5000.00}. The credit limit decrease was based on reporting from XXXX suggesting identity fraud and non reported new address. The credit limit decrease instantly put the credit card over it's limit and reporting that I am now utilizing 100 % of my credit. Upon calling synchrony I discovered that their fraud department had no indication of fraud on my account and a supervisor could not explain what was being reported on the letter. I was advised to contact XXXX. I have been unable to reach a person at XXXX to explain what is being reported. My credit score has now also been affected by a 120 point drop due my credit limits now being maxed out. After checking my report with XXXX   on XXXX XXXX there are no indications of any kind of fraud or changes to my report. Synchrony decision to reduce my credit limit and inability to explain the reasons has adversely affected my credit score. I have a 100 % positive payment history on not only this account but every other account in my name. I have since opened a XXXX XXXX XXXX XXXX card to transfer the balance so that I may close out the synchrony card. I was granted a {$25000.00} credit limit based on the same credit score and information that synchrony used to drop my credit limit on their card. This was an unfair practice that no one has been able to explain to me.
Consumer complaint received 2021-04-27
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. (FL)

I disputed it some account XX/XX/XXXX didnt got a response I disputed again the same account but since XX/XX/XXXX I have collection an bankruptcy in affecting my credit I ask for debt verify they didnt.respond I need to fix this asp thank you
Consumer complaint received 2019-03-21
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)

On my XXXX, Equifax, and XXXX credit files, an old account from XXXX XXXX, XXXX is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX, XXXX. The 3 bureaus all claim that XXXX XXXX verified the accuracy of the information, yet XXXX XXXX has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.
Consumer complaint received 2018-10-16
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: EQUIFAX, INC. (PA)

the credit bureaus are reporting a collection account on my credit file from XXXX XXXX. I have no knowledge of this account and it should not be reporting on my credit file. 

I was never sent a DV and when i tried disputing directing with the collection agency in XX/XX/2017 they were unable to provide me with an proof that this account belongs to me this account is not mine and should not be reporting on my credit report
Consumer complaint received 2019-03-21
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. (TX)

On my TransUnion, XXXX, and XXXX credit files, an old account from XXXX XXXX XXXX  is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX XXXX. The 3 bureaus all claim that XXXX XXXX  verified the accuracy of the information, yet XXXX XXXX  has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX  was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.
Consumer complaint received 2018-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check for {$33000.00} into a Chase Bank account on or about XX/XX/XXXX. The account had had {$4000.00} in it for at least 10 months prior. Chase shortly ( within a day ) thereafter sent me a letter indicated my account would be closed and funds would be returned to me. I received a letter on or about XX/XX/XXXX, including a check dated XX/XX/XXXX, in the amount of {$4000.00}. I contacted Chase at the number listed with the check ( XXXX ) and, after arguing up to a manager, was told that Chase would call me back within 24-48 to clear the funds. No one called. On XX/XX/XXXX, I contacted Chase 's executive office ( XXXX, speaking with XXXX ) and explained that I had not received my funds and had not been given a reason why the funds were not returned. XXXX opened a case with the executive office and " made the case urgent. '' I was told that someone would contact me within 24-48 hours. No one called. On XX/XX/XXXX, I contacted Chase 's executive office again ( XXXX, speaking with XXXX  ) and was told that I would receive a response by the next morning ( today ) between the hours of XXXX and XXXX  pacific time. Still, no one has called.

There has been literally one transaction on this account in the last ten months -- a deposit of {$33000.00}. Chase closed my account for no reason given and is holding my funds, again, with no reason given. I have been repeatedly lied to about their response to my complaints, even to their executive office. Additionally, I have spoken with the check maker who informed me that the funds cleared his account on XX/XX/XXXX -- an entire month ago. Chase bank is in violation of Regulation CC and, if funds are not returned immediately, will be facing penalties at law.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In the XXXX years banking with USAA I have now decided to open another complaint out of great concern after reading the article of their being violated. I am one of those people who had a Restitution payment coming for just one account. I actually have XXXX closed checking accounts USAA refused to give me any information pertaining to or a adequate response after sending emails to the executive office at least ten times, calling over fifty times and writing certified letters for a letter showing zero balances on all checking accounts. I gave them as much information as I have. 
Furthermore, I spent countless hours and days on the phone away from work and school for my son extremely worried what the XXXX their doing listening to their XXXX lies and story telling. They went on telling me they only opened one of my accounts. Another story, they don't know what I am speaking of. I even heard a whopper of a story that XXXX XXXX was the one who was at fault? USAA has been great at putting the microscope on me for XXXX long years. I am a good customer. I see they " pass the buck '' on everyone. 
My deposits as well and holding every dime! The mobile app doesn't say it. If I deposit a 100.00, it used to hold a 100.00. I would buy three money orders for a 100.00 each trying to have some funds registered. Absolutely bananas and I wasn't a check bouncer. My account has adequate funds each month, but I would hear every excuse from the CEO office. I believe this is deceiving as well. It should stipulate this so that I could go put it in at the credit union.
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (GA)

I just found out there are XXXX new XXXX XXXX on my XXXX credit report from XXXX XXXX XXXX, XXXX that I do not recognize. XXXX collection is for {$390.00}, XXXX is for {$52.00} and XXXX is for {$1400.00}. I never received anything in the mail or got any phone calls about these debts, nor do I have any knowledge of them. I tried to mail a letter to Firstpoint and it got returned back to me. I have called them but can not get a response. So now I have collection accounts showing on my XXXX credit report that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I opened a Citi Checking account on or around XX/XX/XXXX under the promotion code XXXX. I met the promotion code requirements by XX/XX/XXXX. These were 1 ) spend {$370.00}, and 2 )  download/log into the Citi mobile app. I have since had these requirements verified by multiple Citi Customer Service Representatives. Per the XXXX offer, I should have received the welcome offer, XXXX AAdvantage miles, credit to my AAdvantage account by no later than XX/XX/XXXX. This exceeds the 90 calendar day window to receive the offer. It is now XX/XX/XXXX, which is over 120 calendar days which I was supposed to receive the offer. I have since called Citi at least 5 separate times to resolve this issue. Several calls resulted in transfers to confused representatives that have not been able to resolve the situation. The latest call was nearly an hour and involved 3 transfers.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

American Express is violating my rights per my previous cease and desist. The alleged debt collector is still attempting to collect a debt, which I requested in the Cease and Desist submitted on XX/XX/22 by reporting my current balance to the credit furnishers ( XXXX, XXXX, and XXXX ). American Express is also limiting my usage on my open ended line of credit, I am unable to utilize my extension of my open ended credit obtained using social security card that American Express is claiming I owe them, that's the clearest definition of identity fraud. This is causing stress in my personal life. Violations include 15 USC 1692g, 15 USC 1666b, 15 USC 1602L. This account is prepaid and should never be reporting to the credit furnishers with a balance, or as late for any reason.
Consumer complaint received 2019-03-21
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. (NC)

I have filed a complaint against XXXX XXXX. XXXX XXXX illegally added their company to three credit bureaus. XXXX, Transunion and XXXX. All three credit bureaus added the above as a derogatory mark on my credit, therefore bringing my credit score way down. They did not get the proper documents from XXXX XXXX to add this to my credit report.