davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On Saturday XX/XX/19, I went into a Bank Of America branch location In Texas to open a Business checking and savings account. I have no complaints about the staff at the branch as they were polite and helpful. I provided all of my business documents for my company XXXX XXXX XXXX, XXXX and as well as personal identification needed to establish the accounts. The representative successfully opened my account and I made an initial deposit in cash which would be enough to not only cover the banks requirements but would be enough to also cover what I need to pay my upcoming bills which were due for my business which is a XXXX XXXX. 
All seemed to be going well until 2 days later on Monday morning I went to sign into my online banking and I was locked out. Thinking that this surely had to be a mistake, I called customer service where I was told that my accounts were being closed based on a business decision by Bank Of America. I asked was there something I had done wrong or a term of service that I had potentially violated only to receive no reasonable explanation as to why my account was being closed and my companys money was being held by Bank Of America to be mailed out in a cashiers check. None of the representatives would explain why my account was being closed. They would only give me vague answers about them not having access to specific reasons. I was told that their could be a number of reasons with the most common reason being that I may have a negative file in XXXX  which I ordered a copy of the consumer report and found absolutely no derogatory marks on my file. 
Being that I am an XXXX XXXX of an XXXX XXXX, this was disastrous as I am constantly making purchases whether fuel, hotels, tolls etc. This literally almost derailed my entire business. I spoke with one supervisor who told me very bluntly that Bank Of America reserves the right the terminate my account at any time they see fit without having to give a reason. 
This is unethical and predatory in nature for BofA to be able to do this to a consumer. Their was no justification as to why my account was closed and this sets a dangerous standard if a bank can close your account and not have to provide you with details as to why this was done. This leaves room for discrimination and profiling and being that my XXXX  report had no derogatory marks on it, What then could a Bank use to profile me as a bad candidate to be a member of this bank. If Bank of America can close your account at any time they feel convenient then it is imperative that the consumer be made aware of this at the time he/she is opening their account. The representative should be mandated to disclose this info and because I was not made aware of that fine print, I sustained financial damages to my business caused by Bank Of America.
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (PA)

I was contacted via phone call about getting my loans forgiven. I believe this was a fraudulent call. The call was specifically about repaying XXXX loans and then consolidating the rest. The fee for it was {$700.00}.
Consumer complaint received 2018-04-15
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. (LA)

I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX  repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX  XXXX  XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as  delinquent
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MN)

I have been using CashApp to provide an intermediary for a friend who can not access her own account. She provides XXXX for the public and they pay her through my account. She is the sole earner in the family as her father is sick. 
CashApp was allowing transfer to her wallet until a few weeks ago when apparently a client complained and demanded her money back. Without explanation they completely suspended my account. I filed with the XXXX a few days later they reopened the account again with no explanation. Last week they stopped honoring the wallets again and only said they were not acceptable wallets ( had been used before ). Today they simply closed my account without explanation. I filled with XXXX. I feel that CashApp actions are arbitrary and capricious. XXXX
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NC)

Barclays took a XXXX payment out of my checking account on XX/XX/XXXX. I saw it on the XX/XX/XXXX, I did not have the money in the account so my bank charged me XXXX. I called Barclays and told them of the mistake it was suppose to be XXXX and that to correct the problem. Barclays also charged me XXXX for the return funds because the XXXX was not in my account but the XXXX was that they were suppose to take. 
XX/XX/XXXX They again tried to take out the XXXX after I called them on the XX/XX/XXXX and told them it was a mistake. Again my bank charged me XXXX fee for the over draft and I am sure they are going to charge me another XXXX. 
They told me they were not going to try it again but did not offer to fix the issue that happened yet again after I called on the XX/XX/XXXX and specifically told them it was a mistake. They should NOT have the right to keep trying to take XXXX out of my account. 

The card I am referring to from this company is not listed it is a XXXX XXXX XXXX world card. Website is https : //cards.barclaycardus.com/
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (TX)

As of XX/XX/XXXX the remaining loan balance prior to an unlawful repossession was {$3100.00} The company then added on {$5000.00} in fees. Failed to disclose the sale of the vehicle in auction accordingly. 
The company continually refuses to provide proper documentation regarding the fraudulent and exhorbitant fees. 
The date of first delinquency is XXXX of XXXX After multiple disputes directly and through the credit bureaus the company continues to update the account by re-aging the late payment status and continues to reflect an incorrect balance
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (AZ)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-01-30
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. (TN)

I am in the process of trying to close on the purchase of a home for me and my family and by some means or another Equifax have applied dispute comments on one of my accounts listed on my credit file. I have been calling Equifax repeatedly to try and resolve this issue by removing these comments to no avail. I have been transferred to the XXXX department for escalation about this matter on numerous occasions with no success. Today was suppose to be the end of my last 72 hour period for these dispute comments to be remove and I am about to begin being charged for extensions provided to me by my lender. I am disappointed that it has taken weeks and still to wake up to no results and broken promises. Below, I have listed some of the dates, confirmation numbers and people to whom I've spoken with about this matter. 

Account- State of TN Docket # XXXX or Equifax Account # XXXX ( listed on their website ) Beginning on the XX/XX/XXXX up unto XX/XX/2019 I have received confirmation # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Names of individuals that I have been in contact with including supervisor 's include : XXXX, XXXX, XXXX, XXXX, XXXX The last person I spoke with was XXXX who is a supervisor within the XXXX department who provided me with confirmation # XXXX and promised me on XX/XX/2019 that the comments would be removed in 24 to 72 hours. 

The comments listed state that this account is currently being re-investigated which the delinquencies reported on this account is inaccurate. I have visited my local child support office and they have informed me that no delinquencies have been reported on their behalf.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MO)

I closed my account with best buy back in the spring of XX/XX/XXXX and paid what little I owed. I never heard from them until XX/XX/XXXX a statement that I owed them XXXX for late fees but there were no charges on my card. I called best buy and informed me I did not owe late charges and they could not tell me what the late charges were for since I cancelled the card in the spring of XX/XX/XXXX. I called the bank that manages the card Citibank I told them I canceled the card in the spring XX/XX/XXXX they said I closed the card in XX/XX/XXXX. I received another letter from Citibank about fraud I called them told them I cancelled the card around XX/XX/XXXX the young lady told me it was closed in XX/XX/XXXX. She did not help me much so I called Citibank again and talked with another lady. I asked her when did I close the credit card she told me it was XX/XX/XXXX. It is evident that neither Best Buy or Citibank knows what they are doing. I did not owe them the XXXX charge that I paid. I want to report this so it does not happen to some one else. I will never do business or my family with Citibank or Best Buy ever again!
Consumer complaint received 2023-06-28
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. (ND)

I received a copy of my credit report and notice some hard inquiries that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

Please refer to Consumer Complaint No. XXXX, in which Square admits guilt and fault for not refunding me the monies owed. With that complaint, Square elected only to refund the {$370.00} and not the additional {$710.00} still owed. I do not know if this is being done maliciously by Square or if the individual handling the previous claim elected to just go the easy route.
Consumer complaint received 2019-01-28
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. (OH)

Please substantiate your claims regarding information XXXX XXXX XXXX #  XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX   XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2022-08-29
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. (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

We have impounds for taxes and insurance with 5th 3rd bank. They pay our insurance for us as we pay monthly and we have never missed a payment. They are sending letters threatening to force place an insurance policy on our account. They are trying to make us provide proof we have homeowners insurance when they in fact have our policy and pay our policy. I believe they made a change on their end and are having trouble getting what they need from our insurance company so they are putting burden back on us and making me wait on hold for an hour at a time to resolve when we have done nothing to cause the issue. Madness.
Consumer complaint received 2018-10-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPL Recovery Solutions (VA)

Company contacted me. I asked them first to send me verification of the debt. They advised they would email it to me. I never received an email and checked my spam daily to make sure I didn't miss anything. 

They called back and said somehow they forgot to send. I waited again and did not receive an email. Gentleman called back and accused me of lying and not wanting to pay the debt. I advised him that I simply wanted verification of the debt and his company 's legal entitlement to collect the debt, as it was not on my credit report. 

I then asked for his name and mailing address so I could send a request for debt verification in writing. He refused to give it, kept talking over me and not addressing my request for this information. He then threatened to garnish my wages for the full debt amount and not the offered settlement amount. He became irate and very combative like nothing I had ever experienced before.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

I have acomplaint about Medicredit, a medical debt collection agency, arising from services rendered at XXXX XXXX XXXX. 

I visited an XXXX XXXX for XXXX  and XXXX  tests in XX/XX/2022. At the time of my visit, I provided my insurance information ( XXXX  ). I nevertheless received a bill for the full amount owed ( {$780.00} ) as if I were a self-pay ( uninsured client ). I provided my insurance information on multiple occasions, but XXXX continued to send bills. I contacted my insurance company and was informed that XXXX had not submitted a bill they could pay. 

Beginning in the fall, I began to receive repeated letters and harassing phone calls from Medicredit, a debt collection agency. I informed Medicredit that I have insurance, which they promised to bill. I also followed up with XXXX and was told that the bill would be removed from collections. I have received multiple harassing phone calls from Medicredit since XXXX informed me they would take the bill out of collections. 

Therefore, I have XXXX  complaints : ( XXXX  ) Harassing phone calls; and ( XXXX  ) This is not my debt -- this debt should be sent to my insurer. 

Thank you for your assistance.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX would not close account and charged for services unable to use for a month after closure request, in amount of {$200.00}. XXXX XXXX started reporting on this debt XX/XX/2022. XXXX has merged with my current carrier XXXX Unsure how to handle debt collections when original debt company no longer exists.
Consumer complaint received 2022-08-29
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. (FL)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-08-29
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-01-26
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. (NC)

I have a Fraudulent Account on my credit reports for Experian, XXXX, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$130.00} Fraudulent Account : Medical Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$410.00} Fraudulent Account : XXXX XXXX & XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$1800.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$900.00} Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (GA)

I received a notice on my XXXX XXXX that my account for CB/Torrid was late. I called the company and told them I paid the balance in full, the gentleman I spoke to on XX/XX/23, stated that there was an interest fee of {$6.00} that was left unpaid. I received NO notification that anything was past due. I didn't get a statement or a phone call. He agreed that they had not called me or sent me a statement and agreed to waive the {$29.00} late fee associated with the charge. 

He told me I should call the another customer support line to have them fix the error. When I did contact them, the person I spoke with stated they can not fix the error on their end that I would have to dispute it with the credit bureau, which I did. XXXX stated that the company updated other information but did not removed the late payment stating that it was correct. The only notification I received that there was amount owed was when I got the late remark on my credit. I received no credit card statement or phone call. They failed to contact me, the consumer and I feel they are at fought for not doing their due diligence and I should not be held accountable. Also, by recommendation from the representative of CB/Torrid , I was told the way to get it corrected was by disputing the late payment and I did that.