davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (CO)

I have a cash app account. Cash app has a rewards program for referring people to cash app. I send a referral to a family or friend, they sign up with my code and after meeting requirements I get {$15.00} and they get {$5.00}. I will attach a list of requirements from the terms and conditions. When we sign up for cash app we have to agree to the terms and conditions. This outlines everything from Limits, to disputes, rewards. Once I hit accept. It becomes legally binding. If I were to violate any term or conditions they could enforce it. This is outlined in XXXX XXXX. The requirements to receive a welcome bonus are to sign up for, link a debit or bank account or activate a cash card for people under 18 and send {$5.00}. Sponsor to sponsored accounts are not eligible. I sent a referral and met the requirements outlined under the terms and conditions I agreed to. The referral bonus was denied for both accounts. I reached out to customer service and they wont provide an exact reason but they outlined requirements that have a lot more stipulations than what is laid out in their T & C. This information is not readily accessible for an account holder to view. I take this to be fraudulent and a deceptive practice they use in an attempt to get more people to open cash app accounts. Theres no accountability with them, you get nowhere talking to them as when they feel backed into a wall they say they have provided all the information they can and abruptly end the chat. If new conditions are added to the requirements they need to update their terms and conditions and have everyone agree to it. Its fraud and deception and the CFPB should investigate.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (AL)

On XXXX of XXXX I have noticed a debt had been added to my credit report in XXXX it state it was opened in the state of Ga, I had contacted the company but was n't very much successful in getting the problem resolved. XXXX XXXX, XXXX I sent the company a certified HIPPA letter for them to verify this debt that they claim I owe. I gave them 30 days to respond I have not received anything to verify that this debt is mines. It is now XXXX the XXXX XXXX still no verification. By law if they ca n't verify that this is my debt it must be removed from my credit report.
Consumer complaint received 2017-06-22
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. (AR)

I found some unauthorized inquiries on my credit report from Equifax, so I sent a multiple inquiry letter on XX/XX/XXXX by certified mail to the company. The letter explained that the following inquiries listed were not authorized by me and I wanted the company to investigate the situation and to delete those inquiries because they were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I received results from the company dated XX/XX/XXXX, stating that the inquiries are a factual record of file access and nothing was deleted from my file. A week is not long enough to do a proper investigation in this matter. According to the FCRA, as a consumer it is my right to have a proper investigation into any issue or inaccurate information contained in my credit file. I was unsatisfied with their actions, and I would like the above inquiries deleted to remedy the situation.
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MA)

In XXXX, I purchased a phone number from the XXXX store because my old number was disactivated but I didn't like the number I bought so I tried to change but they told me that I needed to pay a fee of XXXX $ to open a new account and get a new number so I did, I payed the XXXX $ and I bought myself a new phone number but the lady helping me out forgot to disactivate the other number so XXXX charged me for every month even though I was not using the phone number. In summary I was charged a debt of XXXX $ for a phone number ( postpaid ) I was not even using because some lady forgot to disactivate it ... I tried a hundred times to dispute the transaction, I talked with 20 or more people on the phone contacted their debt collector company called " convergent outsourcing '' and they kept refusing to give me an explanation for the debt, they didn't know why I was being charged, they even told me that they conducted an investigation and that they sent me a mail to my mailbox but I did not receive anything. They ended up offering me a discount of XXXX $ and pay XXXX $ to clear the debt. I kept arguing with XXXX and convergent on the phone in vein. I was obliged to pay the debt of XXXX $ because they would eventually charge me the debt. If I hadn't payed the debt they would have pursued me.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Sale of account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is in regards to a credit card account from 17 years ago that is now ( in the last couple of months ) being used by a XXXX/XXXX, as assignee of XXXX, assignee of Bank of America, in an attempt to garnish my wages for {$18000.00}. This debt has not been reported for the last 16 years and I have been unaware of it, thus unable to address it. My credit card was stolen and I thought my account was closed - This should be in the Bank of America Records. I also have had 2 accounts with Bank of America since XXXX and have never been notified of any issues. However what I know now after researching, that the account was actually charged and sold though I was making payments on the remain balance in XXXX, then a couple months later Bank of America filed a court case against me ( in XXXX ) in XXXX. However when I contacted Bank of America ( even today XXXX ), recovery department is saying they never filed against me and the account has a XXXX balance. Furthermore there are several other issues regarding this situation including Bank of America 's association with XXXX who filed hundreds of thousands of fraudulent lawsuits on behalf of Bank of America - " Operating Automated Debt-Collection Lawsuit Factory ''. XXXX who have been investigated for embezzling more than {$1.00} XXXX from XXXX. And now a XXXX ( aka XXXX or XXXX ) who have been sitting on the debt and/or going against the Fair Credit Reporting Act which provides the right for me as a consumer to have my credit information to be correct, and also trying to collect debt greater than owed. I would appreciate Bank of America 's help in notify, intervene, and rectify the issue with XXXX/XXXX who is using Bank of America 's mistakes against me.
Consumer complaint received 2021-01-31
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 (CA)

On my credit reports there is a closed account with huge amount of missed payments. TOYOTA MOTOR LEASING Opened XXXX. XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TOYOTA MOTOR LEASING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I recently refinanced my mortgage with Huntington Bank. My first payment was due on XX/XX/XXXX. I paid that first payment in full on XX/XX/XXXX. On XX/XX/XXXX, the payment was reversed as " misapplied '' but not returned to my account. I was charged a late fee and now my account shows over 30 days past due, which is not accurate. No one has attempted to contact me about this error and I only found out looking at my account online.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Iqdata international has illegally charged me interest on a debt associated with a apartment bill, they have been reporting wrongful amounts to credit report charging me false interrdt charges that are completely illegal and are violating the credit report act. I have submitted a complaint to the bbb and they will not respond. Call the them and told Iq data they are breaking the law. Others are being forced to pay these false rates or they will not have a clean report. This is bullydog tactics, consumers are being blackmailed by this company. I have contacted the debt owner XXXX XXXX and they will only go through iqdata international, I have told them exelactly what iq data is doing and they refuse to contact them about this.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Creditors Services, Inc (OH)

Visited urgent care XXXX/XXXX/XXXX. Received bill for services with balance owing {$130.00} in XXXX. Set up and paid 3 payments in XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX with balance paid in full with XXXX payment. Received notice in mail XXXX from debt collector Accelerated Creditor 's Services with a balance due of XXXX. Called urgent care XXXX and was told final bill was sent in XXXX, stating that collection efforts would start 14 days if not paid in full, and that 35 % fee would be added to balance. This information I requested to be faxed as I did not receive. Fax received XXXX showed letter was sent to wrong address, the letter was addressed to different address than mine. I was not notified of final bill and collection efforts of 35 % of balance due in fees. Was told by urgent care XXXX that balance reported to credit bureau and collection efforts would continue because I did not respond to XXXX letter.
Consumer complaint received 2022-09-08
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. (IL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my consumer rights 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I made a lump-sum payment to Ditech ( XXXX XXXX, SD ) at the end of XXXX to bring my mortgage current through XXXX XXXX, 2016. Since that date, I have received several collection notices. After numerous telephone calls to the customer service department, my mortgage is still reflecting a late payment. The funds are in a 'suspense balance. ' Today, at XXXX, I called again. The rep does not know what the problem is and neither do I. Perhaps your investigation will provide the answers I seek.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America Credit card XX/XX/2021 I made a {$9.00} mistake and did not send enough money XX/XX/2021 I was charged {$1.00} interest which I paid XX/XX/2021 I was charged the {$1.00} again XX/XX/2021 I called to complain and was told that was how accounting worked and I would have to pay it, but after much discussion, the representative told me that they would credit me the {$1.00} So you might say that the problem was taken care of, but it NEVER should have happened in the first place. How many others get caught in this scam?
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

PNC bank receive my mortgage loan as a transferred from XXXX Mortgage. However, they were not able to provide me account information, paid off amount after the transfer. Our house was sold and waiting to close without these information we unable to close and stop the escrow. We unable to request our escrow money as well since nothing about our loan exist in both XXXX Mortgage and PNC bank system. PNC 's customer service push us off stating they have no information about our loan and unable to locate it. XXXX would not talk to us either because our account is closed on their side.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion are REFUSING to re-report a credit card that was removed in error from my credit report. My bank ( XXXX ) has made repeated attempts to have this credit card re-reported by Transunion, however, they are refusing to re-add the account. XXXX has called Transunion to discuss this problem but Transunion are still refusing to add the account in question. The removal of this account from my Transunion credit report has resulted in my credit score dropping from XXXX down to XXXX. This low score has resulted in my application for loans and credit cards to be denied. If this issue is not rectified I will be seeking legal advise and pursuing damages against Transunion.
Consumer complaint received 2024-04-10
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. (CA)

I used Square to process credit card payments for a copy writing service that I run on the side. They found that recent transactions were considered worthy enough to deactivate my account. That is fine, but they have {$390.00} of my earned funds held according to their policy that states they can hold funds up to XXXX  days for investigation. I have called them multiple times, left them several messages, and they refuse to expedite the transaction. I have waited over XXXX  days as they hold for possible refunds to the consumer but This is unfair to any consumer or business, XXXX  days is far too long to hold onto funds, and they need to make my funds available to me. I will not do business with this company again, but right now they are stealing my money.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bankers Auto Acceptance (CA)

I purchased a vehicle 2 years ago & financed thru Time Finance in XXXX, Ca. Recently I requested a statement of my account history. After receiving the statement, I learned of additional charges added to my account balance without any knowledge. For the past 2 years additional charges were added to my account balance without my knowledge. Additional charges added for for car insurance in months I had insurance. Also late fees basically every month for the past 2 years, and additional charges that I have no idea what they are & why. Ive been frustrated that I deeply regret buying a car. My car payment is due on the XXXX of every month. I have a 10 day grace period so actually it is late after the XXXX of every month. I pay my car payment every month. I may have been late once or twice bit other then that payment is on the & has been. 
I never received any info in regards to my account. No receipt or any type of information other then car insurance. Since the beginning, I've had issue after issue that I deeply regret buying a car. My experience with XXXX XXXX XXXX has been stressful, anger, regret & so on. I strongly believe Time Finance should be investigated by some type of higher authority due to the so many complaints upon with XXXX & reviews with XXXX & ETC, ETC. On my statement they provided it is so clear to see error. In such a short time with this company, I can say without a doubt this company is so poorly manage that its so obvious that doesn't take much to see. Anyhow, there is so much zi would to add on but for now hopefully this will due for now. If it possible please have this company investigated. Thank you XXXX XXXX. Ps I want everyone to be aware if this company. So no goes thru the experience I've had & still have.
Consumer complaint received 2017-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

Site magically goes down for " maintenance '' every time it 's a opportunity to buy  XXXX . This site is a business is a scam! NO LIVE CUSTOMER SUPPORT!   XXXX    being stored on there platform!!
Consumer complaint received 2024-04-10
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (GA)

I went to a gas station and paid for items totaling {$6.00} inside. I did not ask for gas or purchase any fuel at the pump. 

I noticed a {$30.00} charge on my account minutes later. This charge was fraudulent and unauthorized. I called cash app support the day of the incident. They assured me it was a temporary hold and I would be reimbursed after processing completed. This never happened. 

I have called cash app for the past week over XXXX times. They have repeatedly denied my claim saying that no error has occurred and that I authorized the charge. I have called XXXX multiple times and they admit error has occurred. Yet, they are waiting on cash app to start a claim. 

I, of course, did not authorize this charge. 

As a customer and unemployed college student who relies on financial aid, I can not afford fraudulent charges on my account. I earned the money I do have honestly, and this should not be taken without my consent. 

I have noticed a trend with Cash App, where multiple customers complain about their money being stolen, and Cash App doing little to support. Customers service representatives need to be given access to more information or customers need to have direct access to managers and decision makers. 

I understand these situations are not always XXXX and white. However there should be no case where customers have money stolen and are unable to speak with someone detailing why.
Consumer complaint received 2017-09-06
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. (VA)

In XX/XX/XXXXI disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened XXXX ).
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO Bank, N.A. (CA)

On XX/XX/2024, I closed my BMO Bank checking account at a local branch. On XX/XX/2024, BMO Bank withdrew {$10.00} from an external linked checking account at XXXX XXXX, without my authorization. On the same day, XX/XX/2024, I called BMO Bank and spoke with a representative. The representative confirmed the withdrawal was made and informed me that the funds would be returned within 2-3 business days. My funds still haven't been returned.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (PA)

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 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 2021-01-31
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 have an item being reported fraudulently to my credit files with XXXX, XXXX and Transunion from XXXX. I have never opened an account with this company, ever much less made a deposit with them at any point in my life. This is an identity theft issue and I have disputed this several times with XXXX, XXXX, XXXX and Transunion, yet they continue to report this fraudulent item to my credit file. I have made each of them aware this is an identity theft issue, yet they continue to not only fail to remove the item, but they are violating Section 609 FCRA by not providing information required under Section 609 FCRA. ( See attached notice of Federal Trade Commission XXXX XXXX XXXX ). XXXX engaged in this very same misconduct and was eventually sued by The Federal Trade Commission for not complying, with Section 609 FCRA. Additionally, please find my specific request sent to each of the aforementioned parties.