davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (OK)

I have never received a debit card for the Oklahoma unemployment benefits. I have waited 21 business days. I have made a call for over three weeks and am on hold for as long as 4 hours and NEVER get a representative to answer my call. I have tried at XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 
The company is supposed to be open 24/7. 
I cant believe the representatives have an over load of clients needing help at the times listed above. 

Please help. Because I cant access money that has been awarded to me with out this debit card I have went without my XXXX, XXXX  and XXXX XXXX medications for over a week
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello To Whom It May Concern, I have been charged on XX/XX/XXXX by a website XXXX with a {$100.00} only because BofA allows it, instead of stopping any sort of over drafting they are increasing it! Plus, I didn't receive any email confirmation from the online game provider XXXX. I did pay and use it in XXXX for a few months only so, I consider it a huge bank mistake.
Consumer complaint received 2020-05-09
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: Experian Information Solutions Inc. (GA)

XXXX Reported : XXXX. XXXX, 2020 {$680.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX. XXXX, 2020 {$58.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$400.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2020-05-09
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USPS RTR form 3811 article received by : XX/XX/XXXX USAA CREDITCARD SERVICES XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX XXXX XXXX XXXX ) USAA RECIEVED see attatched United States CRIMINAL INVESTIGATION LETTER dated XX/XX/XXXX USPS DELIVERIES NOT BEING MADE ZIP XXXX see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM LETTER claim date XX/XX/XXXX {$470.00} ** INVESTIGATION COMPLETED XX/XX/XXXX ( 11 months later ) see attatched FTC ID THEFT case XXXX This CONFIRMS ORIGINAL ISSUE USAA DOES NOT PROVIDE ACCESS DUE TO MY XXXX XXXX XXXX. Kindly Note I AM ONLY ABLE TO SEND THESE DOCUMENTS TO USAA ONCE WHICH I DID. I HAD TO PAY AN ADVOCATE TO MAIL THESE TO USAA. THIS WAS PHYSICAL PAIN, EMOTIONAL PAIN & FINANCIAL PAIN I CAN ONLY ENDURE ONCE. ** CFPB PROVIDES EASY USER FRIENDLY ACCESS FOR ME TO PROVIDE THESE TO USAA A SECOND TIME AS THE XXXX USAA REP OF FRAUD DEPARTMENT TOLD ME XX/XX/XXXX ** NONE OF THESE DOCUMENTS WERE NOT PROVIDED ALSO see attatched Merchant Response XXXX XXXX THIS IS NOT MY IP ADDRESS * THIS IS NOT MY DELIVERY ADDRESS * THIS IS A THIRD PARTY NOT XXXX. USAA NOW ( as of XX/XX/XXXX ) HAS BLOCKED MY PHONE ACCESS AS WELL AS ON LINE ACCESS. USAA PROVIDES NO ACCESS AT ALL. SUDDENLY I HAVE NO PHONE VERIFICATION QUESTIONS TO BE ABLE TO BE VERIFIED. I CALL RETALIATION.
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (FL)

I bank with wellsfargo and been with thIs bank for many years. I signed up with XXXX through my bank thinking I was protected if any fraud or scams were to occur. I made a payment in the amount of {$450.00} for a XXXX XXXX gift for my mom. I scammer never sent the merchandise and I am unable to get back in contact with them. I contacted XXXX XXXX   no help. Contacted my bank they told me there is nothing they can do. How could this be happening I asked? I used my bank account to access XXXX like I always do thinking Im protected when sending money. Unfortunately WellsFargo did nothing to help and the Representative saw the transaction and told me the payment was sent to a XXXX account.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank has the below statement on their website. But when I contacted them to ask for a refund over {$300.00} fees, which they have charged me over the last week, I was told no because they have already refunded fees on my account. We are, however, still in the middle of a pandemic crisis. Why have messages like this on their website when they are only willing to help when you feel like and not when it is needed? Why are they allowed to continue being so financially predatory during time like this?

This is the statement on their website : If you have been impacted by COVID-19 and are facing financial hardship, please reach out to us to discuss the ways we can help provide relief to you.

For Consumers : Payment assistance for up to 90 days ( varies by product ) with no credit bureau impact ( Auto, Credit Card, Mortgage, Student Loans, Home Equity Loans, Home Equity Lines of Credit ) Late fee waivers ( Auto, Credit Card, Home Equity Loans, Home Equity Lines of Credit, Mortgage, Student Loans ) Home foreclosure suspension for up to 60 days : This is automatic ; there is no need to contact us Overdraft fee waivers and service charge reversal Early CD withdrawals without penalty Auto repossession suspension : This is automatic, there is no need to contact us If you are in need of assistance, please contact us. Please note that we're currently receiving higher than normal call volumes as we help our customers through this difficult time. To expedite service, please identify yourself using your account number. Thank you for your patience!
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (RI)

My mortgage company raises my mortgage every year. I have done 2 modifications with this company and very year there is an underage. I payed a lot of money out to them to do them, and tacked on 10 more yrs to my mortgage. To top it off, I did a bankruptcy in 2016, and since that time they do not report any of my payments. My credit report is so low that i can't do anything. I have repeatedly try to understand, but I can't. The last modification stayed for less than a year, and my taxes went up. I understand that, but now again 1 yr later my mortgage is in underage again. My mortgage never ever goes down. No one has any answers, even RI housing doesn't understand. When I try to speak to them, they have all the reasons why it needs to go up. Once again, my mortgage never ever goes down. They some how dictate the amount of time so that my amount is yrs projected, but yet yr after year, it goes up and up. I have been on a fixed income now for a few yrs due to XXXX XXXX XXXX. It seems to be a loosing battle. I need someone who has experience to help me before i have no choice but to go into foreclosure after 23+ yrs.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MD)

LVNV FUNDING IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XXXX 2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.
Consumer complaint received 2023-08-12
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. (GA)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX XXXX Bankruptcy ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERIS BANCORP (GA)

On XX/XX/2020 I applied for a VA mortgage loan with Ameris Bank, Loan specialists XXXX XXXX at the XXXX GA office, as required by both the State & Feds, my credit scores should be sent, scores only, this criminal refused to release them! Also I asked for the name of the their Tri-merge Reporting Agency, this XXXX knowingly refused to give me this Reporting Agencys name, in-be knowing to XXXX, Ive got XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  and other Engines, ALL Alerted me via email & XXXX text, XXXX XXXX isnt going to work. Need the name of Tri-merge company that ran my credit.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CO)

Marcus by Goldman sachs has frozen my account several times and " unfrozen '' it now several times, yet I am unable to deposit or withdraw my money. Every time I speak to them they say I am " in the queue '' to close and wire my savings back to a bank I can trust, however nothing has changed. It has been weeks now since I have been able to access my own funds. In XXXX, I began a {$20000.00} withdrawal to my brokerage account which was reversed by Marcus. I called when it was reversed and they said it was unfrozen. I initiated the transfer again, and it was frozen and called to have it fixed. They had no record of the withdrawal. A week later, I made a deposit to find the deposit was reversed with the status " account frozen ''. I have spent hours on the phone with various agents who have been unable to assist. This " savings '' bank has saved me nothing- they have effectively stolen {$20000.00} from me. Pure incompetence. The worst part about these idiots is that they don't even have a record of the reversals unless you find the right person in their fraud department, then all of a sudden your shadow record is available. SCAM.
Consumer complaint received 2020-05-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.
Consumer complaint received 2020-05-09
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. (CA)

While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 )  business daysso that I can verify its validity.
Consumer complaint received 2023-08-11
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. (TX)

I have disputed this account with XXXX, XXXX and Equifax several times. Most recently on XX/XX/. I asked for a contract and proof of debt. I did not receive any documentation of the this alleged debt until I filed a complaint with CFBF. 

My problem is with the verification of this account. How was the account verified as accurate as reported on my credit report? XXXX, XXXX and Equifax all allegedly completed it's investigation into the account it came back verified. XXXX XXXX provided me with an " itemized '' bill that I have never seen before. The bill does not have my correct address on it nor is it accurate. It has an address different from the address on my credit report and a different address from the driver license that they attached to the bill. The driver 's license belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Texas XXXX however, the bill belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Texas XXXX. My name is XXXX XXXX XXXX, I have never resided at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This account has been mixed up or merged with another account. It is not accurate. 

Be advised that this IS NOT a dispute or another opportunity for you to reinvestigate the previous dispute. The period to conduct such a reinvestigation has expired and shall not be extended by law. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation. As a result, please delete this account. Additionally, as per the FCRA, you are liable to me for damages for you conduct. In addition to deletion of the disputed account, you are demanded to send a check in the amount of {$1000.00} payable to XXXX XXXX XXXX.
Consumer complaint received 2020-05-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid 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: Experian Information Solutions Inc. (IL)

ftc report numberXXXX filed police report filed for XXXX XXXX credit card account numberXXXX amount XXXX date opened XX/XX/2018 credit buearu removed then it came back
Consumer complaint received 2023-10-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (MD)

To Whom It May Concern, I am writing to express my deep concerns regarding your collection agency 's behavior, particularly your deceptive claim that you work on behalf of XXXX XXXX XXXXXXXX in connection with an alleged debt. Such deceptive practices are not only unethical but also in violation of the Fair Credit Reporting Act ( FCRA ). I demand that you immediately cease all collection activities related to this account. 

I have taken the necessary steps to verify my financial obligations with my insurance provider and can confirm that no outstanding debt exists with XXXXXXXX XXXX  XXXX. Your false assertion of this debt is not only misleading but also a direct violation of the FCRA. 

Under the FCRA, you are required to provide me with the following documentation to validate the alleged debt : 1. **Original Documentation : ** I request that you provide the original documentation, including invoices, bills, and itemized statements, which demonstrate the legitimacy of the debt in question. 

2. **HIPAA Release Form : ** Given the sensitivity of medical records, I insist that you produce a HIPAA release form authorizing your access to my medical information, as is legally required to proceed with any medical debt collection. 

3. **Chain of Ownership : ** Provide a complete chain of ownership and all relevant records of this alleged debt account from its origin to the current holder, as required by FCRA . 

Failure to provide this information promptly will be considered a willful violation of my rights as a consumer under the FCRA, compounded by your deceitful practices. I am prepared to take legal action to protect my rights and ensure that such deceptive practices do not go unchecked. 

I demand that you respond to this dispute within 30 days of receiving this letter. Any further collection attempts without proper validation will be met with immediate legal action, and I will report your company to the appropriate regulatory authorities. 

I expect your full cooperation in rectifying this situation in a lawful and ethical manner. Deception has no place in debt collection, and I will not tolerate any further harassment or untruthful tactics. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-09
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. (CA)

While checking my personal credit report, which I acquired fromXXXX, XXXX. I noticed an unauthorized inquiry made by your company CITI CARDS/CITIBANK Cbna on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 )  business daysso that I can verify its validity.
Consumer complaint received 2020-05-09
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: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.