davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

OnXX/XX/XXXX, my Bank of America online account was hacked. My birth date was changed and my primary phone number contact was changed. My phone number was placed at the number 3 spot for contact. {$10000.00} was transferred from my checking account to my savings account. Then {$94000.00} in total was wire transferred from my savings account to a bank in XXXX, XXXX XXXX XXXX. I called Bank of America as soon as I noticed the funds were in process of being transferred. This was after business hours, therefore, I could not go to my local branch office. I was told over the phone that a stop could not be placed on the transfer. They put a recall on the money, filed a claim, provided me with a claim number, set me up with my contact person for further follow up about the case, changed the contact phone number, and asked if I wanted to put a hold on the account. As a business owner, I have bills that were being paid out of that account. I could not place this whole account on hold because I wouldve had checks bouncing. I have 25 employees that are depending on getting paid to provide for their families, plus numerous vendors. I was then set up for an appointment at the local branch office the following morning. 

On XX/XX/XXXX, I was set up with new personal and business accounts and they called the Bank of America fraud department to make sure the complaint was being processed. Almost everyday forward, I have contacted Bank of America. I have left messages with my contact person. To date, I have only talked to my contact person one time. She has never contacted me to give me an update. I went to three local Bank of America branches for updates. I was even told by one employee that they could not discuss the case with me. Today, XX/XX/XXXX, I received a call from a local branch manager stating the funds in the bank in XXXX were no longer in the bank and Bank of America is not responsible. I called the branch manager back asking for a letter outlining why my claim was denied. She said she would talk to the legal team and will send something to me.

I have been a loyal customer with Bank of America over 20 years. I have two mortgages, personal accounts, business accounts, and credit cards with Bank of America. I have been contacted by Bank  of America in the past due to unusual account activity. Last year in XX/XX/XXXXI bought a building for my business and was required to go into Bank of America to wire transfer approximately {$150000.00}  for the title company. How is this time any different? This type of activity is unusual for any of my accounts. The same phone number has been on my Bank of America account for over the past 20 years. It should be a red flag when my contact number and birthdate were changed. Bank of America advertises that they take care of their customers when fraud occurs and return the money into your account. So why not now?
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (WI)

Account duplicated multiple times. 
Department of Ed/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX All are dated XXXX/XXXX/2010
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOV ASSOC Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It XXXX Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, XXXX and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX
Consumer complaint received 2021-09-03
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. (MI)

Yes experian is not giving me a fair credit report dealing with my score. I know my credit score should be much higher than they are reporting. I ask for a fair credit score and to fix that report on there with XXXX XXXX XXXX I told them if they can't provide my I.P address it need to be removed immediately haven't nothing been done and my credit score with them is not right and I deserve a fair credit report.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hampton & Hampton Collections LLC (NV)

My account was sent to an attorney for past due assessments while i was trying to obtain a loan modification with the bank. It is still in collections but its now a collection agency thats charging me fees and interest every month even though I am making payments every month. I believe that the fees are excessive. Ive complained and they say its the HOA thats charging. I believe that there collection fees are too excessive and Im being threatened with foreclosure by the agency if Im late. I was sent a copy of all the fees and Ive already paid almost {$XXXX} in fees my past due assessments are {$XXXX} and the collection cost and interest and late fees are {$XXXX} at this rate Im never going to pay it off.. please help
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

I closed out my account with XXXX XXXX for {$250.00} and a couple years later I get a collection notice that I still owe them. They have since sold the debt to Jefferson Capital ( JEFFCAPSYS ) who, no matter how times I dispute it, refuses to take it off. This was so many years ago, I no longer have the receipt, however, the debt was paid, they refused to close my account otherwise. They require your account to be at {$0.00} before they will close it.
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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NV)

On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - CBNA : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX 
XXXX I made a payment in the amount of XXXX from my checking account. On XXXX the payment was posted and processed, with the funds taken from my checking account. On XXXX I reviewed my account balance online and discovered that Capitol One reversed the payment and charged me additional interest and charges.My checking account was charged, and I was not allowed access to the funds for credit purchases. As a result, I am now showing my account is past due in the amount of XXXX
Consumer complaint received 2021-09-03
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. (GA)

after reviewing my credit report I sent a dispute letter to XXXX XXXX and Equifax on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX XXXXXXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX XXXXXXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXX XXXXXXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC  ID THEFT REPORT # XXXX
Consumer complaint received 2022-09-08
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. (MS)

XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.
Consumer complaint received 2018-03-20
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. (CA)

Re : XXXX XXXX XXXXXXXX apparent amount of XXXX re : account # XXXX ( from equifax credit report as obtained on XX/XX/2018 Credit reporting Agencies : XXXX  and equifax Date Credit reports Ran XX/XX/2018 ( XXXX  ) and XX/XX/18 Called XXXX  XXXX XXXX, no information given other than the account not belonging to me. 
The {$15000.00} from XXXX XXXX XXXX does not belong to me ( new and just starting to build credit ). XXXX XXXX thru inaccurate reporting to XXXX  and equifax caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (NJ)

The bank employee made huge promises for favourable terms of mortgage and asked to pay a refundable deposit for {$500.00}. However the mortgage was ultimately declined and bank deducted {$130.00} odd for the refund on account of appraisal cancellation charges. I fail to understand that why would someone order mortgage appraisal for a declined mortgage? this does not makes sense. Moreover bank officials never disclosed these charges unless the refund was received. I asked 2 questions through multiple forums and bank never answered it. 1 ) Why would you order appraisal for decline mortgage 2 ) How can charges be levied without disclosure and approval from the client
Consumer complaint received 2023-07-04
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-23
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. (GA)

U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

after reviewing my credit report I sent a dispute letter to Transunion, XXXX  and XXXX  on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX  XXXX XXXX XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXXXXXX XXXXXXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
Consumer complaint received 2018-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

On XX/XX/2024, I had a deposit into my business checking account for {$6500.00}. 

On XX/XX/2024, I attempted to transfer funds from my account but was not allowed to do so. Additionally, I could not use my debit card either. I contacted the bank and was told I need to verify my identity. I was sent a link to my email address where I had to upload a copy of my Drivers License and scan the barcode on the back. This was done and I was also asked to do facial recognition by holding the camera to my face. I completed the two tasked that were asked of me. The agent I spoke with on the phone indicated that it takes two business days for verification to occur. Approximately an hour later, I received an email that stated my account had been deactivated. I called back to get an idea of why this happened and was only told to refer to the email. No other information provided. I'm distraught because I have over XXXX being held for 90 days before being released. The email details are below. 

Hello, We recently reviewed your account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated.

What does this mean? 
You still have access to view your Square Dashboard, but you will not be able to process new transactions using Square. Any funds currently in your account balance will be held for a period of 90 days, and are due to be released to you within two business days after XX/XX/2024. 
Please note that the release date and amount available for release are subject to change based on any additional activity, including chargebacks or bank returns that occur. If there are any chargebacks, they will be covered using the funds held in your Square account. If the held funds are not sufficient, your linked bank account may also be debited.

If you have a payment that hasnt yet been deposited, please see our support article on issuing credit card refunds to your customer and accepting an alternative payment method. Customers who paid via bank transfer must initiate a return directly with their bank.

Thank you for choosing Square. We understand that this decision may cause changes in how you run your business and did not make it lightly. For more information about our policies, please review the Square Payment Terms. 
We appreciate you considering Square for your processing needs.

Sincerely, Square Account Services
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to CFPB.XXXX. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of ab sudden the account is reappearing 6 months later with a balance of {$2300.00}. This account was paid off.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (GA)

I applied for a credit Card with Barclays. I received the card but never activated the card. 
I was then charged a {$89.00} fee on an unactivated card. I was not aware of the charges until my credit report showed 30 day late payment from Barclays. 
I would like Barclays to be investigated for this fraudulent activity. 
Also, Barclays negative reporting the credit agencies and associated cost to be immediately remedied.