davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a total of 6 accounts with Bank of America and have been a customer for over 10 years. On Tuesday XXXX XXXX, 2017, at  approximately XXXX, I was in XXXX getting groceries, household items, and the last of my kids school supplies. When I inserted my card for payment, my card declined. I contacted Bank of America, where I was informed that all of my accounts are frozen and that it would be approximately 2 weeks before I receive cashiers checks in the mail. I have NO cash or access to any of my funds. What 's heartbreaking is that I 'm the mother of XXXX children, XXXX of which will be turning XXXX on XXXX. She is an AMAZING young lady who has maintained a G.P.A between a XXXX and a XXXX her entire academic life and never asks for too much. All she wanted was a birthday party for her XXXX, which is now compromised due to Bank of America 's " business decision '' to terminate their relationship with me as a long time customer. I 'm a wreck and not sure what to do, but figured this would be a great place to start. I want to add that they also informed me that notifications were sent out regarding the closing of my accounts, but I only received the one about the credit card account being closed. At that time, I paid the balance and disposed of the card. I had no idea that they would be freezing ALL of my accounts and I would be denied access. Thank you so very much for this service where consumers are able to at least voice their concerns and issues against such giants like federal banks. I currently have a 3 checking accounts and 2 savings. My daughter 's account has approximately {$230.00}. My primary savings has approximately {$37000.00} ( give or take ). My secondary checking has approximately {$300.00}. Savings approximately {$190.00} and second savings approximately {$10.00}. I may have another account that 's not very active and I 'm uncertain of the balance. Thanks again.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX forced me to pay {$170.00} to remove a XXXX  off my credit profile on a insuance policy that was cancelled... i paid the XXXX  off in full so please update to paid and full or delete from my credit report the recietps are attached
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-11
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (WA)

Dear CFPB, I am writing to file a formal complaint against U.S. Bank for withholding my unemployment benefits, which has caused severe financial and emotional distress. I am desperate for assistance and fear for my financial stability as I have not been able to access my funds since XX/XX/year>. 

On XX/XX/year>, U.S. Bank closed my unemployment debit card account. Despite multiple attempts to access my funds, I was told by U.S. Bank that my account had been closed but that the funds were still available. I was instructed to contact my state unemployment office to resolve the matter, as U.S. Bank claimed the issue was not on their end. 

After months of effort, I finally received an email from my unemployment office on XX/XX/year>, informing me that U.S. Bank was supposed to send me a check for the remaining balance of {$4000.00} after closing the account. However, I never received this check, and U.S. Bank has provided no resolution. 

I have called both U.S. Bank and the unemployment office countless times, sent numerous emails, and have been through stressful identity verification procedures that took much longer than promised. The result of this has been months of waiting, during which I have been unable to access my rightful benefits. I have incurred significant credit card debt in an attempt to stay afloat, and the strain on my mental health has been immense. The lack of communication and transparency has left me feeling helpless and fearful for my future. 

This situation is not unique. According to recent reports, U.S. Bank has been found liable for similar actions during the COVID-19 pandemic, when tens of thousands of Americans were denied access to their unemployment benefits due to the banks improper freezing of accounts. This pattern of behavior is unacceptable, and I am seeking your help to resolve this matter. 

I respectfully request that the CFPB investigate U.S. Banks handling of unemployment benefits and take immediate action to ensure that I receive my funds. I have exhausted all avenues available to me and am desperate for resolution. U.S. Banks actions have severely impacted my life, and I fear the financial and emotional toll will continue to grow if no action is taken.

Thank you for your time and consideration of this matter. I hope for a prompt resolution.
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (UT)

XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Express Recovery Services  The collection agency  Express Recovery   aka   dba   XXXX   XXXX  has made multiple reports to the Credit Bureaus which are duplicated more than once on most an d two or three times on many. In total 31 reports filed with 16 o f those being duplicates or triplet reports of the same claim. Their is also a claim reported on my credit report that is  XXXX  bill which had nothing to do with me nor services being rendered to me. The bill was for a hospital stay involving my husband  XXXX   XXXX  and the  XXXX  wrote the balance off but the collecto r Express Recovery  will not stop collections on the claim as well as filed for judgement of the claim and another charge which was written off too. Please give the agency and the hospital attention in this type of practice which seems to be deceptive when the charges had been forgiven then revived to collect again and services that I did not receive.  Total r eported claims exceed  XXXX  that are wrong, duplicated or not applicable to my receiving the service.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX - XXXX - XX/XX/year> XXXX  XXXX XXXX - XXXX - XX/XX/year> XXXX XXXX  - XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Integrated Recovery Services (FL)

Integrated services is trying to collect a debt from me, I 'm not sure where the debt is from. The most recent call that was received was on X/XX/17, the caller stated that her name was XXXX XXXX, calling from integrated services legal department and she wanted a statement before X/XX/2017 to give her client because they were filing fraud charges against me, which would be forwarded to my county and an arrest warrant would be issued. Then she called my estranged husband, his brother, sister and mother, as well as my XXXX year old son and XXXX year old daughter 's phone and told them she was calling from integrated services to offer me a settlement. I also have several voicemail 's on my work phone. I called the number back ( XXXX ) and asked them to stop calling my estranged in-laws, children and my job and giving them my information. My soon to be ex-brother in law knew way too much information about my situation. ( Is that considered that defamation of character? ) I need help to stop them from harassing other people over a debt that is supposed to belong to me.
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (NV)

I CHECK MY CREDIT ON  XXXX / XXXX /  XXXX  , FOUND A MEDICAL BILL FOR {$710.00}, I NEVER RECEIVED A LEGAL NOTICE, NO VERIFICATION OF DEBT,, AND NO NOTICE TO DISPUTES THE DEBT WITH A 30 DAYS.
Consumer complaint received 2017-08-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (CA)

I had XXXX  and was victim to XXXX  XXXXXXXX XXXX financial abuse and I placed an address change with post office and I asked for modifications due to situation loss in income health and delay in FAFSA. I was in shelter due to XXXX  XXXX, I did not receive notice to repo or options to modify the car sold to me was not the car I had asked for either and the repo man came in the middle of the night he made me give him my key told me I had to but I never received notice of where to go to pick up my car and why I couldn't get help with arrangement! I even had gap insurance and ask if I could cancel it and apply that to the unpaid loan and I was told no! This loan was upside down from the day I bought I got the car! I have photos of the vin number but don't know how I can get it back I want them to forgive this loan and remove it from my credit or return my car and modify the loan I asked for help as soon as I was struggling also.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

Hello, I am submitting a formal complaint against a company known as, " Phoenix Financial Services LLC. '' XX/XX/XXXX, I observed that I had a collection agency by the name of Phoenix Financial Services reporting to the Credit Bureaus as debt. I immediately researched the company to resolve the issue. I spoke to a customer service representative by the name of " XXXX '' and asked her about the account in question. XXXX informed me that she only collects a debt for the original creditor. I asked XXXX, who was the original creditor. XXXX stated the original creditor was a doctor or hospital. XXXX  stated, she did not know but she could provide me with a settlement offer. I asked XXXX about the settlement, due to the fact I do need to remove this item regardless of, I am trying to purchase a home. XXXX stated she could settle the account for XXXX dollars and write off the remaining amount. XXXX also stated that I need to hurry up and make a decision to accept the settlement cause she did not know when the company would get rid of my file. I asked XXXX if she could provide me with validation of the account. XXXX stated, I will email you. I received ONE email with a settlement offer attached. This is the last I spoke to XXXX in regards to this account. I still am unaware of the original creditor or how it 's validated to be my account. The company reported that my account was opened XX/XX/XXXX, today, XX/XX/XXXX, I received a letter from Phoenix Financial Services dated, XX/XX/XXXX, stating that they have verified my account with the original creditor with a " Statement of Account '' that I received with a date of service, XX/XX/XXXX. The Statement of Account states that the " Statement Date '' is XX/XX/XXXX. I have never received ANY form of statement, validation, or so forth.
I would also like to state, if this is a MEDICAL debt that I am legally responsible for, the service date for XXXX XXXX, should have been covered by his medical insurance, which should have been billed Texas Chip Medicaid.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (MD)

Received several phones call throughout 2015 from Trident Asset Management regarding a XXXX XXXX phone bill in the amount of {$100.00}. I asked for them to send me a statement from XXXX XXXX validating that I owe this debt and they only sent a note on their company letterhead stating that I owe {$100.00}. I found this very odd considering that I still have XXXX XXXX as a carrier for at least 8 years and I 've never had a past due phone bill. And if I did then my phone would not be in service. I explained this to the debt collector in XXXX 2015 and they completely ignored me and kept asking why I would n't pay the amount since it was very small amount. I told the debt collector that unless they are able to send documents showing that I owe this debt, then I refuse to pay. The debt collector raised her voice and I raised my voice right back at her and demanded that she tell me her name. After asking for her name at least five times she finally said it ( to which I ca n't remember it since it happened in 2015 ). I told her that she 's not to contact me via phone and they need to send sufficient documentation of me owing this debt. They never did and in XXXX 2015, this item was placed on my credit report
Consumer complaint received 2022-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I made a purchase at XXXX XXXXXXXX XXXX XXXX, for {$2300.00} When I received the goods half of the items were missing and half were damaged. 
I reached out to Capital One to dispute the charge on XX/XX/XXXX a few days after the actual charge. 
They changed their demands and requests for information constantly and were extremely unhelpful, I spent hours on the phone with them, each person I spoke to asked for different documents, and they still havent resolved it as of today XX/XX/XXXX This is getting to be very frustrating as I cant afford to lose this much money, Im losing money because of this as I need that credit for my business, I also dont have the time, and cant afford to spend all this time on the phone with Capital one to try sort something out that they still havent all these months later.
Consumer complaint received 2017-05-01
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. (FL)

XXXX   XXXX   on  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  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  TRANS UNION I  WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (WA)

I signed up for the Target  Red Card tha t is supposed to be a debit card. They sent a credit card. This is now a new credit product on our credit bureau that I do not want. Target is able to close the card, but not to remove it off our credit bureau. They also will not take away the commission that the Target associate received for fraudulently opening the card.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-11-24
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: U.S. BANCORP (NV)

Hi, I am facing an issue with Elan Financial Services, the credit card company partner of Fidelity Investments. I was recently the victim of identity theft with the thief tricking my mobile phone company, XXXX. We have a letter acknowledging the issue from XXXX XXXX. The thieves used a phone number belonging to my wife to get a charge of ~ {$9000.00} authorized. See below for information on transactions that are fraudulent. 
Date Merchant Amount XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv {$9000.00} I have already called the credit card company at least 3 times to get the issue resolved. The calls occurred on XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. Each time the fraud department said the processor would contact me in about XXXX hours to work on the issue. This has not occurred each time. The credit card company is now charging interest and late fees on this fraudulent amounts. They are also reporting to credit agencies that I legitimately owe the fraudulent amounts. The processor hasn't done any due diligence aside from saying a chip read occurred. I have told them in clear terms I didn't authorize the charge and don't know how the thief perpetrated the fraud. A view of the transaction history around the XXXX timeframe also shows a lot of suspicious activity. 

I have filed a Claim with them. The Claim ID is XXXX. I have also filed a policy report, XXXX. I have provided this information to Elan Financial Services already. The processor and fraud department have done nothing with this information for the past month.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc. (MN)

Tri-State Adjustments, Inc. a Wi sconsin-based Collections company is attempting to collect on a debt that they can not confirm is owed by me. On  XXXX   XXXX ,  2017 , I sent them a letter disputing their claim and requested per FDCPA that they identify their client, and to validate this alleged debt through any and all documentation supporting their claim. I have filed this same complaint with CFPB case file number  XXXX  in which Tri-States Adjustme nt, Inc.is basically unresponsive stating they are waiting on proof that I have paid this bill. It is obvious that Tri-State Ajustment , Inc. does n't understand the law because they should know that the burden of proof that a debt is owed is upon them and not the consumer. I will also be filing formal complaints with the Wisconsin Department of Financial Institutions who regulates their license and with the Minnesota Department of Commerce in which Tri-St ate Adjustments claims they are licensed with.