davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/2021 I deposited a check from a law firm drawn off of Bank of America into my checking account. The check was # XXXX for {$4300.00}. At the time of the deposit into the ATM, Bank of America issued a receipt stating the funds would be available no later than Monday, XX/XX/2021. That same day, the Bank updated the hold date to XX/XX/2021. The Bank later restricted my account for no apparent reason, directing me to Risk Management which told me my account was scheduled to be closed because they couldnt verify my identity. I have filed a separate CFPB complaint regarding the closure of my account, which was not merited. 

First, Bank of America failed to communicate with me in anyway whatsoever that they needed to verify my identity. When I opened the account online, I submitted all my information and received a confirmation email stating it was approved. I later received my debit card in the mail. I have received nothing asking me to verify my identity otherwise I would have gladly done so. Bank of America does not use reason and cognizance when making business decisions. Without telling me what I need to do, they restricted my account. 

Additionally, the above mentioned check has now been placed on hold until XX/XX/2021 at XXXX am. Bank of America complete disregard for facts and logic is concerning. This Bank is harming innocent customers without any consequences. The check I deposited has already cleared the account it was written on and I received proof from the law firm which issued the check. The Bank is abusing its position of power, and putting consumers like me at risk. 

I will consider any and all legal options available to me to redress this situation.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The bureaus are showing XXXX  XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CT)

XXXX XXXX is listing a debt that i do not owe. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LOBEL FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Hello I have a debt from XXXX XXXX  from previous landlord. I have contacted them several times and disputed the debt with XXXX XXXX and XXXX XXXX. They are reporting that XXXX is owed and the judgement is XXXX. When I reached out to XXXX XXXX regarding this and mentioned it to the compliance department at XXXX they confirmed they never had the judgement but instead an inflated bill from the landlord. My husband and I tried for the last three years to get this removed and we are getting no help. XXXX XXXX  has been sued and should be put of business. Please stop them from preying on people. I can not get a mortgage because of this huge debt.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX SC XXXX XXXX Opened date XX/XX/XXXX last activity XX/XX/XXXX account # XXXX collection/charge-off in the amount of {$1100.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15U.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 2022-08-17
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. (PA)

In accordance with the fair credit reporting act 1 ) XXXX  account -is a fraudulent unauthorized account. 
2 ) XXXX XXXX is a fraudulent unauthorized account. 
3 ) XXXX XXXX XXXX late payments which was paid on time. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

i've sent letters to XXXX, XXXX, and transunion on XX/XX/2022. and now on XX/XX/2022 i still haven't received anything in response to the disputes i filed no mail or any updates on the accounts i disputed
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NV)

Square UP located in XXXX XXXX XXXX, XXXX XXXX PLEASE KEEP IN MIND I DONT HAVE A MERCHANT ACCOUNT THROUGH SQUARE< THEY ADVERTISE AS A BANK FDIC XXXX AND PAYROLL SERVICES. IMAGINE STARTING A BUSINESS AND OPENING A CHECKING ACCOUNT AT XXXX XXXX XXXX  AND PAYROLL. THEN THEY NOTIFY YOU THE NEXT DAY WE DONT DO TRAVEL AGENCYS BUT WE ARE KEEPING YOUR MONEY FOR 90 DAYS. 

Square UP located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX agressively advertises its new payroll and bank check services. I signed up for this service XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and seeded the banking account with approximately {$700.00} of our own money. They then contacted us said our account was suspended and they are keeping our funds for 90 Days. PLEASE KEEP IN MIND I DONT HAVE A MERCHANT ACCOUNT THROUGH SQUARE< THEY ADVERTISE AS A BANK FDIC INSURED AND PAYROLL SERVICES. IMAGINE STARTING A BUSINESS AND OPENING A BANK ACCOUNT AT XXXX XXXX XXXX. THEN THEY NOTIFY YOU THE NEXT DAY WE DONT DO TRAVEL AGENCYS BUT WE ARE KEEPING YOUR MONEY FOR 90 DAYS.
Consumer complaint received 2022-01-13
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-08-24
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. (CA)

I forwarded a letter to Transunion XX/XX/XXXX. I ask to verify compliance with their reporting due to inaccurate items being reported on my credit report. 
Their investigation concluded that the items were factual and remained on my credit report. They also are reporting an address I never resided at and a number of my ex girlfriend on my report. 
The item : XXXX XXXX XXXX # XXXX is being reporting inaccurately stating that it was a charge off in XX/XX/XXXX. It also states that in was included in a bankruptcy XXXX and date closed being XX/XX/XXXX and in remarks that it was purchased by another lender which all contradicts themselves. The pay status, closed date, and remarks are inaccurate. 
The item : XXXX  # XXXX is being reported inaccurately stating that it was closed XX/XX/XXXX. Also this account states in remarks Chapter XXXX bankruptcy in the same year as the above account comes off the report 3 months prior to the account above. Two different Bankruptcies reporting in the same! Dated closed is inaccurate. The pay status states included in bankruptcy as well. The pay status, date closed and remarks are all inaccurate. 
I also included a copy of my letter I sent to Transunion on XX/XX/XXXX.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Greetings, I have been fighting this company now for the past year on removing charges on my account and they closed the account due to fraudulent activities that I reported and I also spoke with the fraud department that also called me and confirmed that I dont owed them nothing. My credit limit was for XXXX dollars now they are telling me that I owed them XXXX dollars when my balance was XXXX, I was on a autopay with them taking XXXX dollars a month and I never used the card so my limit should of stayed the same at XXXX. These companies are basically abusing military families and veterans with shady practices.
Consumer complaint received 2022-04-30
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. (GA)

I was analyzing my credit report and noticed some hard inquiries via Equifax and XXXX that I do not recgonize and that I do not authorize. 

Equifax - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has yet to remove all unauthorized inquiries from my credit report even after submitting and Theft Report. I am demanding that TransUnion DELETE the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES CREDIT UNION (KS)

Almost XXXX dollars taken out of account. Dates all the way back to XXXX in unauthorized transactions. I submitted my fraud paperwork and my back told me that the charges were authorized and that there was nothing they could do. 

BECU Is the bank. Now I have nothing and all my hard earned money is gone. 

XXXX XXXX is the company that the withdrawals were coming from and because they are a financial organization? becu says they cant do anything.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

on XX/XX/21 around XXXX, I was notified I had a questionable charge made on my credit card. It was for nearly {$800.00} to a company I have never heard of or purchased from ( XXXX XXXX ). I immediately filed a claim with my bank ( Bank of America ) and was advised to report it to my local police department as well for good measure. My credit card is now frozen/suspended and I will be receiving a new one in the mail. They directed me to also make this claim and a precaution and way of documenting this incident. As far as I know, my bank is not holding me responsible for the charge and will monitor my account for the time being.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capitalone credit card, # XXXX XXXX XXXX XXXX. 
I kindly resquest to investigate Capitalone credit card for abuse, manipolation y harassma thank you XXXX XXXX XXXX
Consumer complaint received 2021-06-08
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. (CO)

I believe Equifax is reporting an inaccurate date on the Bankruptcy listed in my credit report. I have disputed the item, XXXX times, on their website. The first dispute is still showing as pending ( over three months ago ) the second and third disputes ignored my requests to provide a copy of the document ( s ) they are using. Instead, they take one day, respond back claiming that it's accurate, without providing proof other than an electronic verification which is what I am disputing and I believe to be inaccurate. 

I was clear in my explanation of this in my disputes. I was also clear in my request for an actual copy as proof and not simply an electronic verification. I believe I have to right to view or receive a copy of what they are using under the Fair Credit Reporting Act and I clearly asked them for this. Once, they never notified me of the results as the dispute is still pending since XXXX. Twice, they took a shortcut, ignored what I was disputing and ignored the request. I have been fighting this since XXXX.
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Wired money from XXXX XXXX XXXX to Coinbase Inc. on :  XX/XX/2017 Amount : {$25000.00} Multiple e-mail exchanges with Coinbase automated response and support staff and 2 verbal discussions with Coinbase call support without any resolution. Coinbase support staff back dated an original email request for information 30 days from sent date seems odd and suspicious.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

On or about XX/XX/XXXX, we applied for a conventional mortgage re-finance through multiple companies, including Better ( better.com ). 

In each of these companies, including Better, we submitted information that the companies requested : personal details, financial details, proof of homeowner 's insurance, etc. 

On XX/XX/XXXX, the company which holds our homeowner 's insurance sent an e-mail notification that the mortgagee on the policy had changed to Better. 

As of this date, we had NOT received an initial closing disclosure, we had NOT given Better authorization to make this change, and we had NOT even been approved to set a closing date. So we also did NOT have a closing date set. 

On XX/XX/XXXX, we reached out to Better and reached their customer service ( extremely friendly ) however was told that the person responsible for our mortgage was unavailable and that we had to wait. 

As of the writing of this complaint, Better has not provided the specific written authorization that we provided for them to set themselves as mortgagee. As of the writing of this complaint, we believe that we have NEVER given them authorization to make this change.
Consumer complaint received 2019-03-16
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: Resurgent Capital Services L.P. (ID)

XXXX is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

XX/XX/XXXX : I paid {$10000.00} with Care Credit and {$700.00} via check, so a total of {$11000.00}, for my upcoming XXXX XXXX XXXXXXXX. XXXX XXXX  office is XXXX, XXXX XXXX XXXX XXXX. XXXX  's name is XXXX XXXX XXXX. I was told that the provider is out-of-network with XXXX. 

XX/XX/XXXX : claims totaling {$8600.00} billed with XXXX XXXX 's XXXX number and {$2800.00} billed XXXX XXXX XXXX XXXX 's XXXX number were processed by insurance. XXXX  's office billed insurance twice for the same date of service and procedure codes under different individual XXXX  numbers rather than having just one claim with XXXX XXXX 's XXXX number. XXXX XXXX was the provider that performed the XXXX XXXX XXXX XXXXXXXX. XXXX, as well as others, assisted. 

XX/XX/XXXX : Received refund check of {$4800.00} from provider with no ledger. 

XX/XX/XXXX : Finally received ledger from provider. This is when I noticed the improper billing practices. 

XX/XX/XXXX : Filed a dispute with Care Credit due to provider 's improper billing and insurance fraud. 

XX/XX/XXXX : Dispute closed because service was " not paid for by other means. '' Filed new dispute. 

XX/XX/XXXX : Dispute closed again for same reason. 
/ XX/XX/XXXX : Dispute closed again for same reason, but no letter was provided. Dispute decision final. 

Care Credit is claiming that services were not paid for by other means. However, according to my XXXX, my total patient portion, for both claims, is {$690.00}. Provider refused to honor contracted fee schedule with insurance and billed me for the write-off amounts. 

However, Care Credit said that if the provider was found to be billing improperly, the provider is responsible. Despite proving that the provider is committing insurance fraud and billed me incorrectly, Care Credit refuses to take any action.
Consumer complaint received 2021-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (PA)

A {$2600.00} overpayment has not been refunded. Account shows {$0.00} balance. I have a cancelled check from XXXX that shows Huntington National Bank deposited it. I talked to a customer service representative on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The first representative in XXXX said if it wasn't on the account then it wasn't deposited. I asked my auto dealer if they sent a check for the refund and they said they sent the check on my behalf and gave me a PDF of the cancelled check. I called Huntington back on XX/XX/XXXX with the PDF of the cancelled check and a loan representative was able to verify it was deposited. She said she would send a refund in 5 days. After waiting until XX/XX/XXXX, I called back and talked to another representative of Huntington and he said he would send another check for the refund due. I still have not received the refund on the XXXX of XXXX.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Linebarger Goggan Blair & Sampson LLP (FL)

I spoke with the company regarding ticket debt after the county the tickets were owed to forwarded me to them only to find out this debt was in place for over 2 years I was never contacted by mail or phone or given the chance to dispute after calling and confirming my address I still received no letter and was told they will be adding collection agency fees to the debt