davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (FL)

On XX/XX/2023, I found myself in a bewildering and distressing situation involving Square, a company I had trusted with my financial transactions. Without any prior warning or communication, Square abruptly closed my account, leaving me in financial turmoil. The abruptness of this action caught me completely off guard, as I had never received any indication that my account was at risk.

In the wake of this sudden closure, I immediately attempted to contact Square 's customer support, seeking an explanation for their decision. To my dismay, my attempts to reach out were met with frustratingly generic responses and unhelpful automated replies. Desperate for answers, I persisted, providing evidence of my transactions and highlighting the absence of any warnings from Square prior to the closure.

As if the initial shock wasn't enough, I soon discovered that Square was unwilling to release my funds, compounding my financial distress. Despite my numerous attempts to engage in a constructive dialogue, I encountered resistance at every turn. It became apparent that I was facing an uphill battle to reclaim my rightfully earned funds.

To further compound my frustration, I stumbled upon a contradictory claim from Square 's end. A complaint I had submitted was met with a response that alleged they had indeed warned me before closing my account. This assertion was entirely false, as the timing of their alleged warning came after the abrupt closure had already taken place. The distortion of facts only deepened my sense of injustice and disbelief. 

Facing a seemingly impenetrable wall of bureaucracy, I realized I needed to explore alternative avenues for resolution. As a next step, I considered seeking legal counsel to address this situation properly. Additionally, reaching out to relevant regulatory authorities might prove to be an avenue for obtaining a fair resolution to this unjust situation. 

In recounting this narrative, my hope is to shed light on the challenges I've encountered with Square 's actions, which have caused undue financial hardship and emotional distress. While the road ahead may be uncertain, I remain determined to advocate for a just outcome and reclaim the funds that rightfully belong to me.
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Portfolio Recovery, LLC (WA)

I settled this debt on XX/XX/XXXX. Requested a lean release to be removed on my property. They have not completed the lean release so I can not refinance my house. I now have to pay for a second appraisal since the first one expired. They will not commit to remove the lean or give me any other information. 
Company : XXXX XXXX XXXX, XXXX XXXX my Account # XXXX
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/2023, a Bank XXXXf American balance transfer promotion was offered to me with 0 % rate on an existing card. I always pay my monthly purchases in full. I was told that I could get the balance transfer and as long as monthly I paid full purchases PLUS minimum payment, then I would not incur any monthly interest. I was suspicious and asked multiple ways whether I understood her correctly and she reassured me that monthly purchases PLUS min payment would not incur me any interest. 

In XXXX, they charged me interest, I complained, it was escalated and a 'manager ' repeated the above guidance ( monthly purchases PLUS min payment meant no interest ) and credited me the interest. 

In XXXX, they charged me interest again, I complained, it was escalated to a different 'manager ' who again repeated the above guidance and said she'd credit me and that it took 2 cycles for the 0 % to go through. 

I never got the XXXX credit and when I called again, a 'manager ' named XXXX said the XXXX credit request was rejected and that the above guidance ( i.e. monthly purchases PLUS min payment ) was not accurate. They had a record of my complaints but still continued to give me inaccurate guidance. I informed him that three different Bank of America employees misrepresented this offer ( as indicated by notes on the account ) and he said he could do nothing.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Back in XXXX I called Toyota company to ask for a 2 months pay push back. Due to my Calendar converter was stolen from my truck. And I had to pay for a rental. Then send me an email confirming the push back date.. I wasn't aware and no one told me I had to sign paperwork by a due date and fax it to them. 

Then in the beginning if XXXX I got a notification that I was 2 months behind on my payments. When I called them they said they never got any sign paperwork. I did told them to go over any records from XXXX phone call to listen that I wasn't aware of sign paperwork.. 
I haven't received a called back yet.. 

But they did re email the paperwork and I fax it back to them with in 2 days.. 
But they already reported my 2 months late payments to the credit report. 
I need help. 
Toyota told me that they don't give forgiveness on late payments.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I purchased the house in 2005 for {$30000.00} on a 30 year loan. I have paid on this for over 20 years now. The mortgage has been sold a few times but when this bank purchased the loan, I asked them to send me paperwork showing my balance. They told me to keep paying from the coupon book I had. I asked them several times to send me something showing what I owe. Over the last 4 years they increased my payment. This year I asked them why. They said it was to cover the cost of insurance and property tax increase so I called the county and they said they are not raising taxes this year. I then called my insurance agent and he said he has not raised my insurance in the last 5 years. I am now receiving monthly bills for the house and it shows a balance of {$60000.00}. I have called several times to ask them why there is still so much due when it should be about paid off. They hang up on me or transfer me and I am on hold several minutes. 
I have had XXXX eye XXXX 's this year and am now going to lose my job as a XXXX XXXX   driver as I have lost the sight in my eye. My husband has been XXXX for the last 3 years and so has no income. Every time I call the bank to see what we can do they threaten me with foreclosure and my credit. I am in an XXXX mortgage. 
I called HOPE and talked with a man named XXXX from XXXX. He called the bank and tried to get them to answer questions for me and he found that they did the same thing with him. First they hung up on us, then they put us on hold for XXXX minutes, they came back on the line to say they are transferring us, we were again on hold for XXXX minutes before the phone was disconnected. XXXX from XXXX suggested I fill out this complaint. I have a PIF receipt for an old balloon payment that I believe they may have added on to my balance. But again when I bring that up to them, they transfer me before they end the call without anyone talking to me. They are also charging me for not having a local bank in my area. I told them they should not charge me when they not having a local in my area is not my fault since they bought my mortgage.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (TX)

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2019-01-02
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. (RI)

I have been trying to dispute fraudulent accounts under my name with the main three credit bureaus. XXXX  and XXXX  have taken care of the issue and deleted all the accounts that do not belong to me. As of today Equifax is still reporting those accounts as mine and it is hurting me to get a mortgage loan. I have submitted multiple disputes and they keep reporting the accounts. I have sent them my police report and all the documents needed to prove my identity. However, they have not taken care of the issue.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Has violated my rights. Or list of inquiries : XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-06-23
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. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2020-11-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

This company refuses to remove the debt from my credit saying I am the one who took out the loan. I have no documents to prove that I am the one who took out the loan and they cant provide me with any documents. {$940.00} From XX/XX/2019 2019
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked the mail. I received 2 pieces of mail from " Bank of America. '' The first piece of mail was a credit card in the mail from " Bank of America. '' It said call to activate. The second piece of mail said to " please call us right away at XXXX we've detected suspicious activity on your credit card and as a precaution, we've temporarily suspended your account. '' I called various times. I'm at work so I'm trying to find the time to follow through all the way with the call. I looked at my XXXX XXXX account and see that I have a new credit line for {$6300.00} spending limit. I finally talk to someone and they ask for my phone number. I give it to them and then my name. They say they'll put me on hold and call me back while I'm on hold. For some reason the call wasn't working. So I didn't bother. I called later and this time one of the representatives asked for my social. I hesitantly gave him my 1st 3 and then backed out and said to myself " this sounds sketchy. '' I hung up. I check the number ; the number the website is associated with ; " Bank of America. '' There's a lot of reviews on XXXX saying that it's a fake number. That it's a scam. So I start to panic. I call them back and this time when they asked for my social they knew the last 4. So I hung up. Started researching what the XXXX the real Bank of America number was. It turns out, it was none of the ones on the card. I called these : XXXX, XXXX, XXXX, XXXX. They're all fake. I took every precaution in the book. I looked up XXXX videos on what to do. I did the following : I contacted the police. 
I froze all my credit lines and set up fraud alerts Changed a bunch of passwords and set up 2 step verification for all of them Checked XXXX 's dark web search feature. It said that in 2019 XXXX had a leaked. Unrelated, I recently went there by mistake exactly the same day ( XX/XX/XXXX. It's now XX/XX/XXXX ) the credit line was opened. I have a strong suspicion my info might have been leaked. 
Filed an identity theft report at identitytheft.gov Checked with XXXX XXXX dispute center. 
Went to the real Bank of America to see if I had an account there and the teller said no. 

Now I'm here writing about it. 

I know there's a of red flags on my part, but a lot of this happened while multitasking. While my mind was preoccupied with various other tasks.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022 I sent Experian, XXXX, and XXXX a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt belong to me.
Consumer complaint received 2021-06-10
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. (GA)

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (LA)

I received a billing statement for my Visa Signature Cash Rewards credit card with Navy Federal Credit Union, account # XXXX Which is Due XX/XX/year>. While viewing the list of my consumer credit transactions I noticed a billing error. I contacted Navy Federal Credit Union and sent a notice of billing error dispute to Navy Federal, which they did receive { Tracking Number Navy Federal Credit Union failed to credit my account properly. I was billed { {$29000.00} } and my Available credit showed { {$0.00} } when In reality I should have { {$29000.00} } of available credit and a Balance of { {$0.00} } Navy Federal Credit Union being the Creditor failed proper treatment of my credit balance and this is clearly explained Pursuant to 15 USC 1666d Whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
The balance of { {$29000.00} } on my account is evidence that Navy Federal Credit Union has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Attached is a copy of my identity theft report. The accounts listed Below were opened fraudulently please remove immediately from my Experian credit report because it is against consumer law to report fraudulent or incorrect information on consumer credit report. 

Fraudulent Experian Accounts XXXX XXXX XXXX {$150.00} Account # XXXX XXXX XXXX XXXX {$130.00} Account # XXXX XXXX XXXX XXXX {$520.00} Account # XXXX
Consumer complaint received 2020-02-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/2019 I made a purchase in the amount of household items {$61.00} from a website XXXX  The website made numerous false claims, including incorrectly described merchandise, fake favorable reviews, fake XXXX  accreditation, fake customer service contact information, fake identity and address, and fake return privileges. 

I paid for the transaction via XXXX using a Bank of America credit card, and subsequently disputed the transaction with Bank of America. Additionally, the website XXXX is now subject to an active fraud warning from the XXXX XXXX XXXX ( XXXX  ), due to an extremely high volume of fraud complaints from many customers. 

Unfortunately, I have been unable to resolve this complaint. XXXX is KNOWINGLY defending merchants who process international money transfers under false identities, and KNOWINGLY defending merchants with active fraud warnings from XXXX. Bank of America has failed to address this situation in a reasonable and timely manner.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

On XX/XX/2019 I made a payment of {$890.00} to PHH Mortgage Company via XXXX XXXX. I noticed on XX/XX/XXXX that the payment still was not applied to my mortgage account. I contacted the PHH Mortgage and they informed me that since I sent an inaccurate amount, the payment was returned to XXXX XXXX. I contacted XXXX XXXX and they informed me that the PHH Mortgage would need to contact them to release the refund. XXXX XXXX has also told me that they have submitted several request to PHH Mortgage regarding the refund. I have talked to PHH Mortgage 3-4 times a week and continue to receive the same response. " Call us back in 24-48 hours '' " A work order has been submitted '' " We are working on getting a return code for you to get your refund ''. I have been told by " XXXX '' a supervisor in customer service that it is being handled by the " Resolution Team ''. I was told on another day by a customer service representative that there is no such thing as a resolution team. I have told PHH Mortgage that in order for me to send the correct payment, I need my {$890.00} back. Still to this date, I have not received the {$890.00} 22 days later that I sent via XXXX XXXX and I am being reported with a late payment to credit bureaus.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2021, TransUnion credit reporting agency reported degraded credit scoring information : Unpaid collections Too many inquiries Also, the reported response was sent to my home ; however, the person directed to has a different last name : ( XXXX ) not ( XXXX ). Please required TransUnion remove this degraded information and my address from the account associated with XXXX XXXX, since my name is XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX