davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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: Exeter Finance, LLC. (AL)

In accordance with the fair credit report act this creditor has violated my rights.under 15 u s code 1681 section 602 states I have the right to privacy, 15 1681 section 604 ( a ) section 2 a consumer reporting agency can not furnish a account without written instructions Under 15 us code 1666 ( b ) a creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2016-08-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: EQUIFAX, INC. (TX)

Equifax told me I have a mortgage, considering the fact that I am currently homeless and on unemployment through the state of Texas would you be so kind as to give me the address to my house so I can XXXX out of the people who have stolen my identity please and move in to my XXXX house that apparently they qualified for with out my permission
Consumer complaint received 2017-04-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica (MI)

We are a XXXX ( XXXX per year ) and we banked with Comerica for four years. We found them to be very self-serving and not honest. We had enough of their Trumpian ways and have found a smaller community bank to handle our precious money. We will go out of our way to pass the word through online reviews that this bank is not a good choice for honest people.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

Square allowed their client XXXX XXXX XXXX to break several of their rules and charge my XXXX credit card as a 3rd party payment facilitator for {$3500.00} on XX/XX/23. They also collected over {$100.00} in cash from me. Clients are not allowed to charge a card for something they aren't personally selling. I also was never offered a receipt and the transaction didn't even say what the transaction was for. I was never asked to sign for the transaction and I later found out the merchant forged my signature! The problem was the 3rd party sold me a horse that had falsified veterinary reports. The horse was delivered but I immediately noticed something wasn't right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a dispute with my credit card company but because Square is backing up the lies of their client such as submitting evidence that is not from the merchant but from the 3rd party that has been proven to have committed fraud ( proven by the vet the seller said the records were from but had never examined the horse and proven from my vet ) my credit card company XXXX XXXX XXXX had denied my rightful refund. The merchant also broke the rules of Square by refusing to have any contact with me to try to resolve the dispute yet Square is still defending them. I recently found out Square 's client has a disturbing criminal record and has been sued many times as well in civil cases. The 3rd party is currently being sued by creditors and the merchant and 3rd party have even been sued together! I informed Square both through certified letter and online that their client broke many of their rules and forged my signature but they refuse to talk to me. I want my {$3500.00} back because I was purchasing a horse that was supposed to have vet records verifying it was sound and rideable. Instead I got a useless horse that I'm now stuck caring for the rest of its life and tons of vet bills including the cost of multiple surgeries. The merchant and 3rd party are con artists and scammers. I was fraudulently induced into a purchase and never received what I paid for. If the 3rd party actually had legitimate vet records I wouldn't be so upset but their lies resulted in a horse suffering needlessly just so these people could get my money. 
Note : A friend of mine is the one who found the horse being advertised on XXXX which I found out later goes against XXXX 's rules.
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (NJ)

I have a restaurant called XXXX XXXX XXXX XXXX XXXX The processing company we had was Square Inc. Everything was fine and suddenly they froze my account with {$2700.00} in the fund and they didn't give me a response, why did they do that? They only told me that in 90 days the funds would be released and it's been 5 months and they haven't given me an answer for anything.
Consumer complaint received 2022-10-03
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. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX 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 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

I have been involved in a foreclosure case for nine years and the loan servicing company has routinely not followed up, has sent me incorrect financial information including loan balances and now refuses to send me loan reinstatement information, current loan balances and a loan payment history. I have been making my mortgage payments on time for the past four years and they have refused me a loan modification now because they say I make too much money. I was initially denied because I did not make enough money
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021, I issued one of my contractors a check for the amount of {$4000.00} from my checking account ending XXXX. Within a few hours, I received a call from my contractor stating that Bank of America had refused to let him cash the account. 

Due to criticality of the contract, I personally went to the bank and asked the teller to let my contractor withdraw the funds. The bank staff told me that the amount was over the limit and that's why they were unable to release the funds. When I asked the branch manager what the limit was she stated " we are not allowed to tell you the limit but {$4000.00} is too much ''. The only option I was given was to personally receive the cash and hand it over to my contractor who was with me in the branch, which I agreed to. When the teller gave me the cash, she deducted {$8.00} from the total amount and handed it to me. When I asked the reason, she said because the recipient ( my contractor ) didn't have an account with Bank of America and hence the {$8.00} deduction. Finally, I re-wrote the check and cashed it myself. 

During the time I spent in the branch, the bank staff kept encouraging my contractor to open an account in order to avoid this situation in the future. Furthermore, the staff was unable to explain where the transaction limit is written on my check or been communicated to me by the bank and refused to reveal they arbitrary limit. 

I'm reaching out to you to request the bank for a clear explanation. I'm also send a copy of this complaint to the Senate Banking Committee as we have seen increased efforts by Bank of America to force people to open accounts with them.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

Upon checking my credit file Ive noticed a company named ERC has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thou
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (UT)

Contacted XXXX XXXX, XXXX  XXXX  on XX/XX/XXXX, they stated I owed {$190.00}, I paid it on XX/XX/XXXX. The representative said that she waived the {$23.00} fee and cancelled the account. There is a collection on my credit report for {$260.00} from XXXX XXXX.
Consumer complaint received 2019-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2018 I sent my mortgage holder, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal and additional principal. On XX/XX/2018 the check cleared my bank but was never credited to my account. XXXX said they did not receive a check in the amount of {$4000.00}. The back of the check was stamped with " CR PAYEE ACCT XXXX XXXX XXXX BANK OF AMERICA ''. I understand this means it was credited to XXXX XXXX XXXX  account with lack of endorsement. I submitted a complaint to XXXX and their answer is they did not receive the check and the endorsement on the back is not XXXX. XXXX claims they contacted Bank of America and were advised that the funds were submitted to a valid lockbox, but not XXXX XXXX lockbox. Therefore, they are unable to transfer the funds to XXXX. Bank of America also indicated that I will need to file a fraud claim to be reimbursed tor the funds. 
I want to know ; 1. Why Bank of America cashed the check with no endorsement?

2. Why was the funds transferred to a " lockbox '' that the payee or payer can not access?

3. Why was the payer or payee not contacted?

4. How did the check get to Bank of America when it was sent to XXXX? 
5. Why do I need to file a fraud complaint? Has Bank of America committed an illegal act?
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with XXXX but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Aargon Agency, Inc. (MO)

I created an account with  XXXX   XXXX   XXXX  whom conducted an investigation on this collection account. As a result of the investigation, the collection account was removed from my credit reports. Last week, the collection account was placed back on my credit report with  XXXX  and  XXXX , showing a new balance owed.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (GA)

In XX/XX/XXXX SQUARE closed my account for no reason which XXXX in funds waiting for release. 

They told me they can not support my account and I had to wait 90 days ( XX/XX/XXXX ) and they would release my funds. 

I then immediately refunded my customers back and had them pay me through other means with the exception of two customer who I did not know personally. 

On XX/XX/XXXX square did not release the funds. Ive called numerous times to be hung up on and now they blocked my number. I have to keep calling from different numbers to get some one on the phone and once they get my account they abruptly hang up. 

Ive emailed into customer service numerous times and blasted their social media to get generic responses refer back to your email for release date or someone will contact you within the next business day This is beyond unprofessional.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (NV)

Around XX/XX/2021, my Discover Card was being declined. I had just paid the balance in full. When I contacted them I was given very evasive answers and given a number to call the next morning. In the mean time I tried to gain access to my account online. It was denying me access. When I did call the number the next morning I encounters more avoiding of my questions, yet was able to uncover that Discover wanted to " just verify the information I had given them was correct. '' I asked what reason they had to think it wasn't, my account is paid on time in full. Then an email comes demanding I grant Discover access to my IRS  filings and if I do not they will shut off my credit in 5 days. No warning no reason, just a {$19000.00} credit line gone.
Consumer complaint received 2017-08-30
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. (TX)

Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have XXXX inquiries!
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

XXXX XXXX XXXX is mis-representing the age of a date and are trying to Illegally re-age a debt by incorrectly reflecting the date of the original debt. A dispute was done with XXXX, XXXX and XXXX. XXXX saw the dispute as accurate and removed it from my report. XXXX XXXX XXXX is stating that the debt was opened in XXXX XXXX 2016 and the debt is older then that. Due to their shady and illegal business practices, I feel this claim of debt by them is unsubstantiated, unfair and is inaccurately reported. I am supported by the fact that XXXX agreed and removed the collection from my report. Furthermore, XXXX XXXX XXXX XXXX has made several harassing and inappropriate calls at all times of the day and night and all days of the week, outside of what is legally acceptable. XXXX XXXX XXXX has not provided proof of the original debt from the original creditor.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

After receiving 100 's refinance proposal by mail I decided in XX/XX/XXXX to contact 3 lenders to have different propositions. My mortgage is with Mr Cooper ( 3rd loan officer in 2 years ). 
I had a 1st hard inquiry with the 1st lender and a 2 weeks period to " shop '' for the best conditions without impact on my credit score. However after looking at my report I can see another hard inquiry from another lender ... 
They all have the best conditions until moving forward when new fees starts to appear on the closing disclosures.. Part of the refinance process an Appraiser came onsite ( {$540.00} fee ) and filled a report, this appraiser was sent by the lender I selected to move forward. 

However after seeing the final closing costs I decided to stop the process. I purchase my home in XX/XX/XXXX for {$420000.00}, I did some improvements and the value of homes in XXXX especially in my area exploded since last year. The appraisal report value the home {$600000.00} so I contacted Mr Cooper and asked them the process to remove the PMI. 
I was told that it's not possible because the appraisal wasn't done with the appraisal company they work with and that I need to pay for a new report and because my loan is less than 5 years I need to have 25 % equity ( XXXX XXXX requirements ). 

I paid {$540.00} for an appraisal done by an appraiser licensed by the State of Florida but I need to pay for a new appraiser!!!! with their partner ... 

If that's the same type of partner than what they use on their website/app that makes more sense. Mr Cooper 's App displays 2 estimates XXXX and XXXX. But they only use the XXXX value to calculate the PMI and equity! 
XXXX  value my home {$440000.00}!!! Really?? XXXX {$590000.00} that's a big difference! I did a pool with spa, the lot is XXXX sqft, the home is front sold for $ XXXX last month but my home is value $ XXXX with their partner XXXX  ... Obviously I just XXXX XXXX and they are owned by Mr Cooper !!! So convenient!!! 

On top of that : - {$25.00} expedited fees for each loan payoff document x 3 = {$75.00} - {$20.00} Third party reconveyance preparation fee - $ 10 county fee etc ....
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Per XXXX XXXX they were unable to pull out my information with my name social security number date of birth they may be fishing for some information and they reported to account one for {$300.00} and one for XXXX and they need to be removed because they were able to prove elevation or locate the account seems like it 's fraudulent
Consumer complaint received 2021-09-03
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Addendum to case # XXXX XXXX - approved for XXXX based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XXXX - called to make sure XXXX payment amount is correct ; account rep said my family size was incorrectly input as XXXX. Account rep says that it was probably an input error. I checked my form later and there 's no way I filled in I had a family of XXXX. Now, I have to resubmit my XXXX application with correct family size ( which is nothing, because it 's just me ), even though it was their fault, and I had to figure it out.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Total Card, Inc. (PA)

I have had nothing but problems with this creditor since I opened my XXXX XXXX and XXXX XXXX cards. I recently closed them because I explained I was on unemployment due to the pandemic. It took 4 weeks for me to finally receive my money yesterday. 2 days after the due date, I was ready to pay the accounts in full, when I went to do so I saw that I was charged 2 more {$40.00} fees at this point they have charged me almost 3 times what my {$300.00} limit is in fees. Literally every other credit card company and bank I deal with has worked with hundreds of customers including me by changing policys to adjust to what is happening with this pandemic, I have not been charged a late fee by any other creditor during this pandemic while struggling to make payments, only with this creditor. I was also threatened with adverse actions against my credit for being effected by the pandemic.
Consumer complaint received 2017-04-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (WA)

Getting multiple calls a day from a company who claims to be representing Castle Payday loans. They call from XXXX. They indicate I owe them {$1500.00} and are threatening legal action. They indicate the loan was from XX/XX/2015. I told her I do not remember taking a loan like this and asked them to provide proof the debt is mine and they indicate they can not do that unless I pay money for a " conditional release letter '' and demand that I set up payment arrangements to pay the {$1500.00} back. I told her I was not going to pay anything and I asked her to provide me the number to who they claim is the original creditor and she said she ca n't because that would be a conflict of interest because they were hired to " deal '' with me. They are calling my ex-husband, as well as several family members. I asked them to mail me proof the debt is mine and she said the fact that she has all of my information is proof enough. I asked her to stop contacting family members immediately and provide me the proof I am asking for. She told me they were not going to stop until it was paid. When I refused to set up payment arrangements she threatened me with jail time ; told me she pulled my credit and saw there was no identity theft indications and also that they pulled police records on my name and were able to determine I never filed a police report that my identity was stolen. She was screaming at me that I need to obtain a good lawyer because I will pay. Additionally ; they had my maiden name, XXXX. Not my current name of XXXX.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank allowed charges of {$17.00} to go through on a card account, ending XXXX, which I had not call to authorize use on. On XX/XX/XXXX when I called they admitted their mistake ( telling me anything under {$50.00} would go through ) and reversed the late charge and the balance ( {$17.00} ) was paid, my credit report would not show a late. 
On XX/XX/XXXX my credit report was hit and dropped substantially. I immediately called and spoke to customer service who apologized, saying she would forward an email to have it corrected. 
On XX/XX/XXXX I received a letter from XXXX. VP of Fifth Third Bank stating they tried to investigate but need more info ... 
To date it has not been corrected