davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I have been a banking customer with US Bank for 2 years. On Tuesday last week I let them know I was traveling to XXXX and they put a travel alert on my record. On Friday before I left for the airport I put a small amount of money on my XXXX prepaid mobile phone using my US bank debit card. I immediately received an email and a phone call and my card was blocked and the charge declined. I spoke with the fraud department who was very rude and assured me that there was no travel warning noted calling me a liar. The people refuse to identify themselves or their location and they refused to connect with a supervisor. I had to call over 30 times before I was finally assured by several senior managers in the fraud department in XXXX XXXX Idaho that my card was corrected and I was assured I could travel on to XXXX. I flew to XXXX and arrived and my card was declined and I had no access to cash and was unable to check into my hotel or rent my car. I called US bank and they said a woman named XXXX at a branch in XXXX California that I have never visited has decided that she is closing my account and that she is aware that I am traveling in XXXX and she doesn't care. I called the branch and spoke with XXXX who laughed at me and taunted me and was a condescending belligerent person laughing at my misfortune and hanging up on me. I spoke with customer relations in XXXX and the agents there including XXXX agreed that the fraud department and the branch in XXXX are very belligerent and unhelpful. Many people at US Bank tried to help me but in particular XXXX and XXXX at the XXXX XXXX in XXXX California are unbelievably terrible and terrorizing to customers. They are breaking laws. Also a very belligerent woman named XXXX in XXXX XXXX Idaho is a complete monster and a torments the customers. She must be fired over this. This is a horrible bank and I can not do business with them so I immediately flew back to United States to close my account. I arrived in the United States and I was told by US Bank on XXXX XXXX in XXXX XXXX that they can not give me money to my account because it has been frozen by XXXX and I can't do anything because she has taken vacation and she won't be back for a while and only XXXX can unlock my account. US bank has ruined my XXXX holiday and caused thousands of dollars in damage already. Now that I have flown back to United States US Bank is still holding my funds and refusing to close my account and give me my money. This is a rogue bank with monstrous customer service failures who literally gets off on terrorizing customers and they laugh at you in your face at your own inconvenience and suffering. These customer service agents particularly XXXX, XXXX, and XXXX, taunt and harass the customers and cause serious psychological damage. I want you to enforce government regulations against US bank and get my money back to me right away as well as sanction them for their terrible anti consumer behavior. 

XXXX XXXX
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (IN)

Keybank is refusing to allow me to close my account without charging me a {$25.00} fee. This seems ridiculous to me. I should not have to pay a bank to stop being their customer! Whether I keep the account open or close the account, they will charge me some sort of fee. They are in effect forcing me to buy a service that I do not want.
Consumer complaint received 2018-03-09
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: WAKEFIELD & ASSOCIATES, INC. (CO)

Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are Wakefield & Associates and XXXX XXXX XXXX.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020, an unauthorized transaction and hack occurred from PayPal account for the amount of {$2200.00} ; the hacker attempted to use several of my credit cards on my PayPal account, but the charge defaulted to my bank account ; thereby, initially withdrawing the said amount and thereby leaving my account overdrawn. I notified PayPal by automated response of the hack and unauthorized transaction. However, in less than 12 hours, I received an automated notice that the 'case closed ' following the statement that their investigations declared the transaction was 'authorized '. I attempted on several occasions throughout the days to speak to a live PayPal representative to help escalate the Identity Theft and Cyber Security risk to my account, but to no avail. I made a formal Police Report with my local Police Department. I also filed a FBI 'IC3 ' report of the CyberSecurity & Identity Theft. Additionally, I also filed a Federal Trade Commission report of the crime as well. My bank, XXXX  XXXX XXXX, then reverse the charge back to PayPal, and PayPal then place the negative balance of {$2200.00} in their In-House Collections department. I reached out to PayPal collections to dispute the charge, but the department refuses to cooperate in an investigation, stating the case is closed and no further action is required ... they just want their money. It appears that PayPal is not taking this Cyber Security Risk and Identity Theft case seriously. I have also had to close several credit cards that were compromised, and I have had to place a Credit Freeze on my 3-Bureau 's credit reports. To date, I still have not been able to speak to a live representative from PayPal to re-open the case and to refund my negative balance. At this point, it is clear that PayPal  refuses to cooperate with a thorough investigation.
Consumer complaint received 2023-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A. (OH)

XXXX XXXX XXXX SENT TWO BILLS TO A COLLECTION AGENCY THAT I RIGHTEOUSLY DO NOT OWE. THE DATE OF SERVICES ARE XX/XX/XXXX IN THE AMOUNT OF XXXX AND THE OTHER DATE OF SERVICE IS XX/XX/XXXX IN THE AMOUNT OF XXXX. 
DURING THAT TIME, I HAD TWO INSURANCES THAT SHOULD HAVE BEEN BILLED. I HAD FRONT PATH AS MY PRIMARY AND PARAMOUNT ADVANTAGE THROUGH MEDICAID AS MY SECONDARY. XXXX RADIOLOGICAL ONLY BILLED ONE INSURANCE AT THE TIME AND FAILED TO BILL THE SECONDARY INSURANCE THROUGH MEDICAID. 
NOW THEY HAVE SENT THESE OLD BILLS TO A COLLECTION AGENCY WHICH I SHOULD NOT HAVE TO PAY BECAUSE THEY FAILED TO BILL THE INSURANCE PROPERLY.
Consumer complaint received 2018-02-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (TN)

Consumer Financial Protection Bureau, I had two auto loans for a truck and car with Ally Financial back in XX/XX/XXXX and during a transfer to a new Federal job I had a lapse on the payment for a XXXX XXXX XXXX. Despite my attempts to negotiate with Ally to make payment a few days later, the company refused and repossessed the car. Needless to say some months later I received notice that Ally sold this car to a reseller and I still owed the difference from the purchase price. XXXX XXXX is Account : XXXX, Reference XXXX. Since that notice I have been making monthly online payments from my bank bill pay this XXXX XXXX. Last year I also paid off the truck loan and received title as scheduled with no problem. 

I have made numerous attempts to contact Ally Financial collections department to request a written notice for the balance to pay off this XXXX XXXX. My most recent phone call was on XX/XX/XXXX where they confirmed receiving my payments, but then refused to tell about my payments, my balance, and send written debt, balance, and pay off information. In addition Ally Financial told me my XXXX XXXX was sold to another debt collection company, but then refused to tell me the company, address and contact, and balance or payments transferred to this company. I have made repeated attempts to pay off this debt, but every time I have contacted Ally Financial collections department they have refused to provide my balance, my payments, written statement of balance, and not allow me to pay off this XXXX XXXX. 

I simply want written or email notification of my balance so I can pay off this Sale Debt and stop Ally Financial from continuing to degrade my credit report and FICO score. Ally Financial has repeatedly refused to provide my balance and allow me pay off this debt. -- Thank You
Consumer complaint received 2020-01-27
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: Experian Information Solutions Inc. (CA)

I have disputed errors on my EXPERIAN credit report for over a year. Each time either nothing happens or small details are changed. Experian has inaccurate information reporting on an account from XXXX XXXX XXXX. This account was allegedly CHARGED OFF in XX/XX/XXXX with a balance of XXXX. In a recent copy of my credit report I noticed that the account balanced had change to XXXX in XX/XX/XXXX. 

I disputed this information recently for 6 months straight and have notice the amount jump back and forth from XXXX to XXXX. 
On the updated copy of credit report that I received XX/XX/XXXX the account balance shows XXXX and in another section for XX/XX/XXXX it shows XXXX. 

There is no way I am acquiring new fees to an account that was charged off in XX/XX/XXXX so, the account balance should not be constantly changing. I have disputed for over a year. I have asked for the method of validation for these amounts and they have yet to produce this information. Instead they continue to supply false information on my credit report. 

This inaccurate information that they refuse to fix has indefinitely harmed me for years. I want this account deleted immediately from my Experian credit report. I would also like this defaming account to be removed from my XXXX  & XXXX  reports please.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Per the XXXX  credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXXXXXX XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. There is a date of last payment reported, but no last payment amount reported and no Date of Last Activity reported. If there was a last payment made, what is that amount. Why is it not being reported? Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire year of XXXX, XXXX and up until XXXX of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. Why is this information starting XXXX years after the account was opened? Per the account details, the Date of First delinquency is reporting as XX/XX/XXXX why is the delinquency first reported date XX/XX/XXXX. There is nothing reporting for the Date Closed. What is this information and why is it not being reported. What is the Date of Last Activity? What is this information and why is it not being reported. Lastly according to account details this alleged account was reviewed for XXXX  months, but the payment history only accounts for XXXX months. Where are the remaining months that were allegedly reviewed. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.
Consumer complaint received 2022-05-02
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. (FL)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information.

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXXXXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX account # XXXX - XXXX account # XXXX
Consumer complaint received 2022-05-02
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

I own a commercial building and previously banked with PNC. 
My tenant inadvertently sent the rent to PNC bank XXXX, but we had changed banks, closed the PNC accounts, and notified the tenant. 

PNC cashed the checks totaling almost {$7000.00} and held the money for several months. They now claim the funds were returned, but XXXX XXXX, who originally issued the checks, has provided documentation of the cashed checks and the account debits, and has no record of the funds being returned. After 4 months and numerous phone calls emails faxes etc, PNC has still not provided acceptable documentation of the funds.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I report XXXX of my creditors information was on my report had incorrect information. Experian was missing payments that were done on time from XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX XXXX XXXX and they explain that Experian had a block on my account to report my payments. I explained to them that was not true since my other creditors are submitting the information. 
However, I notice that Experian deleted the creditor from my file. I called on XX/XX/XXXX to inquiry why this account was deleted. The person that work there could not provide a reason. He was suppose to open a case to have it added back with current payments. I do no see any indication on my report that it was done. 

I need help to get my credit report to properly maintain and being accurate. Since they also had old accounts that were XXXX from XXXX Chapter 7 Bankruptcy that took several disputes to finally be updated last week. I am still disputing another account that needs to be deleted and it is staring to be an issue.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (FL)

COVID-19 arrived. I wrote a nice letter to Barclays, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Wyndham Visa credit card. 

They are still charging my account for payments, interest, and late fees.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in XXXX XXXX!
Consumer complaint received 2018-02-19
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: General Motors Financial Company, Inc. (PA)

On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-11-18
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. (PA)

In accordance with the fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-19
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. (CA)

Frauding scams IDs and accounts frauding me and my documents stack and families corners records and medical files and a few others frauding accounts scams and IDs through XXXX off my two federal FBI XXXX XXXX XXXX files of almost 8 years, frauding off my XXXX XXXX XXXX and XXXX XXXX XXXX. Just two registrations frauding herds scams of XXXX and firm names Then some herds frauding me in Indiana State as listed IDs using XXXX and then herds frauding my grandma of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Frauding a XXXX Indiana documents attached to her social security Data attached to my data Federal not interested and won't remarry into Indiana again XXXX XXXX XXXX of XXXX country Indiana was the last, federal date block on all counties .... federal not interested after the serious XXXX crimes..
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

My XXXX account says I owe {$35000.00} in principal for my student loans. Mohela 's website agreed with that amount on XX/XX/2023 when I paid that amount in full to them. 

Now they are saying that I owe them $ XXXX more than that in principal plus some interest that was added on to my account during the payment/interest pause. 

I want my account on Mohela to line up correctly with what is on XXXX and reflect that I paid the full amount of principal that I owed and then I want the interest that was added to my account removed because I do not owe that.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (TX)

During XXXX of 2017 I attempted to close my credit card with XXXX XXXX ( XXXX XXXX XXXX ). 
I had a credit balance and they refunded the balance by check but would not close my card. It has affected my ability to open a credit facility with another bank. 
I called them today and asked if I could record the call where they would close the credit card. They said because I had asked to record the call they had to hang up. 
To my knowledge the card is still open.
Consumer complaint received 2018-02-19
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)

Well basically, I have 6 hard inquiries on Equifax which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX ^ XXXX XXXX XXXX , XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on XXXX, I have 4 hard inquiries which are -XXXX/XXXX- inquiry from XX/XX/XXXX -Institution Information- XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX Information- XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX  XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX