davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Despite my formal request made on XX/XX/2023 to Bull City Financial for verification of debt documents, notably the signed contract reflecting my signature, I have not received a response within the stipulated 30-day period. Instead, the documents sent to me contained confidential hospital information, which was never authorized by me for disclosure to any third party. It's critical to emphasize that these documents not only breach HIPAA regulations but also fail to fulfill the essential requirement of providing valid verification of the debt as originally requested.
Consumer complaint received 2024-01-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (IL)

On XX/XX/24, I received an email notification from XXXX XXXX. It contained information about a creditor assigned and a debt owed. Confused, I checked my account, and noticed that there was a creditor/collections assigned to my account. I googled the collections agency information, and I found out that it has a connection to XXXX. Since it was around XXXX, I could not contact the creditor directly ; so instead I called XXXX. On the same day of the XXXX XXXX email, I called XXXX. The agent told me that he could not find me on their system ( he checked through my social security # and checked my wife 's as well ). He then made a comment about a phone line, and I told him that I never opened one with XXXX He then told me that I should call the collections agency assigned so I could open a identity theft issue. The XXXX rep gave me the direct line for the collections agency. I called the next day, and I spoke to XXXX. He looked me up, and found out that somone bought an XXXX. He also made a reference to North Carolina. He told me that the person ( s ) used my social security, date of birth, and a false XXXX  and home address. He told me that he would put notice on their end of identity theft. He then provided me information like account # 's and the proper steps to fix the identity theft issue ( like file a police report, XXXX package, etc ). Since finding out on XX/XX/24, I have filed a police report with the XXXX Police Department and contacted XXXX and its creditors directly.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

XXXX keeps showing a duplicate from my COMENITYBANK/BREADRWDS that was opened on XX/XX/XXXX, current amount due is {$800.00}. They keep showing this account twice, which is lowering my credit rating. I first filed a dispute with Comenity/Bread Rewards who says they are only reporting the one account once, and that I must go to XXXX to get this fixed. But XXXX keeps opening the dispute and then closing it without correcting the problem. I've disputed this 4 times already they aren't even really looking at it or they would easily see it is a duplicate. ( Same date opened, same exact amount owed, same payment dates ). I've copied and pasted below. The last report number is Report XXXX XXXX. This is really hurting my credit and I don't know who else to report this to since both Breadrewards and XXXX are blaming the other party. 


Account info Account name COMENITYBANK/BREADRWDS Account number XXXX Date opened XX/XX/XXXX Balance {$800.00} Balance updated XX/XX/XXXX Recent payment {$30.00} as of XX/XX/XXXX Monthly payment {$30.00} Original balance {$910.00} Highest balance {$910.00}
Consumer complaint received 2023-04-26
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, and XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}. Please remove.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

My accounts are being improperly reported by 3rd party credit reporting agencies. I do not give consent for the debtors to report any payment history or account statu 's to any credit reporting agencies.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently received a call from someone claiming to be from Bank of America informing me that a person tried to open a credit card account using my Social Security number in the state of Texas. I was told, based upon their conversation with me, the attempt would be blocked. They then provided me with a XXXX Case number and I was transferred to a CFPB Agent. 

The CFPB Agent identified himself as XXXX XXXX and said, in case we were disconnected, that he could be reached at XXXX ext XXXX. 

He then went on to list my credit card accounts, their balances, and told me the interest rate I was being charged by the credit card companies was illegal ( too high ). He told me the " Prime Rate '' for credit card debt for senior citizens was 6.3 %. He also told me that he could cancel 70 % of my credit card debt and that I would not receive any bills for the remaining 30 % of my debt for 12 months. At which time, I would start receiving bills to pay off the remainder of my balance at 0 % interest. The catch was that all of my credit cards, with 1 exception, would be cancelled. 

This sounded very suspicious and also concerned me that he had so much of my credit information. 

Can you tell me if this XXXX XXXX is actually a CFPB Agent? And, if so, would he be able to do what I described above?
Consumer complaint received 2023-12-03
Product: Credit reporting 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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am unable to access the " convert rewards '' portal on my account with Capital One Venture X rewards. This function allows the card-holder to transfer rewards points to various partner airlines ( at a significant " points-to-dollar '' savings to the user ). This transfer rate was a primary marketing function that induced this card-holder to obtain and use the Capital One Venture X card. There is a multi-factor authentication error occuring when this user ( and many others, as reported on various online forums ) which completely bars access to rewards conversion partners, making this " reward '' function essentially useless/inaccessible. I spent over an hour on the phone Capital One Rewards customer service today ( XXXX ) only to be told it is a " known issue '' that they are working on, but at this time no date of resolution can be set. A XXXX thread on this same issue from other users reports many card-holders have been blocked from points conversions for several months already with no resolution. In the meantime, I am unable to transfer points to a partner airlines to book an award flight that I would otherwise be able to book, if the website errors weren't present. Capital One acknowledges the multi-factor authentication errors are on their end, and not a user error. We, the cardholders, have done nothing wrong, and Capital One is now MONTHS into this situation without providing a resolution to this issue. They should not be allowed to advertise valuable rewards benefits to members as an inducement to open an accout and spend money on their cards but then effectively bar all access to those advertised benefits without compensation or successful resolution within a reasonable amount of time. I am requesting that CFPB escalate this issue with Capital One and be sure they fix this issue, or if it can not be fixed, provide reasonable compensation to its affected customers for their fraudulent inducement to use its card for rewards advertised but not delivered. Thank you.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Received a Bank of America credit card with a reward if you spend {$500.00} you get a {$250.00} XXXXXXXX XXXX XXXX  This was back in XXXX, and I spent over {$00.00} within the 90 days ' time period. Made several calls and was told because XXXX instead of XXXX of sale. they put it thru as cash advance, but it not! After several more calls were told that they see the problem, took off the cash advance fees, and I should be getting my card around the XXXX of XXXX. Calling again now saying it was a cash advance with I bought XXXX admission tickets and was told because its XXXX XXXX. I have no problem with XXXX, they put it through as a Point of Sale and told me they should not put a POS as a cash advance.
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (TX)

My loan was transferred to a new Mortgage Servicer ( Roundpoint Mortgage Servicing LLC ) on XX/XX/XXXX and they re-analyzed my escrow and sent me a letter informing my monthly payment was increasing from {$1100.00} to {$1200.00} due to their new analysis. However, the old mortgage company ( XXXX ) had already did an " annual '' XXXX XXXX on XX/XX/XXXX and sent me the statement indicating what my monthly mortgage payment was going to be starting in XX/XX/XXXX to XX/XX/XXXX. The new servicer acknowledged having that escrow analysis from the old company & my payment was {$1100.00} with them up until XX/XX/XXXX which they changed the payment to {$1200.00}. I asked them why they're not honoring the " annual '' Escrow analysis that was done and was told they send it in for approval but nothing has changed after talking with them starting back in XX/XX/XXXX after getting their new analysis. Each time I talk with them they tell me they are submitting it for approval to honor the escrow analysis that was done by he old company and I asked them this last time why do I need to get approval when an " annual '' escrow analysis was already done projecting my payment of {$1100.00} until XX/XX/XXXX. I demanded that my payment be changed back to {$1100.00} but again after 3 calls over several months they only agreed to submit if for approval. I think it's against the law for them change my payment when I've already had an " annual '' escrow analysis done. I'm getting nowhere with Roundpoint Mortgage and I see there are a lot of XXXX complaints against them for this and lots of negative reviews from other consumers regarding these same issues with Escrow & Insurance.
Consumer complaint received 2024-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc. (VA)

The company purchased a debt illegally and is reporting derogative marks on ym credit report. XXXX XXXXXXXX XXXX sold the debt outside the state statue of limitations for medical debt ( 2year ) for the state of Arkansas XXXX I have contacted both XXXX XXXX XXXX and United Collection Bureau to let them know this is illegal and i will be pursuiting justice.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My information was Sold and bought illegally because I was a victim of Equifax data breachI want these items deleted from my credit reports effective immediately I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax is done nothing please help me delete these illegal account for my credit reports list all those things and account number
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-01-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I am unable to use my gift card. I have tried XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also tried using at restaurants. They all decline my card and i have a {$200.00} balance.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-01-24
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an American Express gift card for {$2000.00} usd as a gift I was able to check the balance on XXXX, but unfortunately every where Ive tried to use the card its declined. I can see where {$.00} is being held for declined purchases on XXXX as well. Ive tried to contact American Express but the number attached to the gift is not working at all. I do not have an American Express account so I am unable to use the XXXX chat feature as it requires you to log in. I would not like to lose XXXX.
Consumer complaint received 2024-01-24
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. (IL)

In XXXX of XXXX, my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an Experian email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of XXXX aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to Experian Boost were disconnected several times causing my score to plummet again, even while I've been working w/ XXXX other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past XXXX weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing identity theft.
Consumer complaint received 2023-12-02
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a Teller withdrawal at XXXXXXXX XXXX  and my wallet was lost in the grocery store, some went to the bank and withdrawal {$4000.00}, and i filed a dispute and asked for a new debt card i still haven't received yet.. they closed the dispute saying I was at fault, they always are disgusting and disrespectful and discriminating against me, they don't even know who I am, Im so respectful when I'm on the phone but don't get it in return.
Consumer complaint received 2024-04-29
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV INC. (CA)

The correct name on the account is XXXX XXXX. This is related to Money Network issued card from XXXX, for XXXX benefits. On XX/XX/year>, I tried to activate my card and the app was not working so I called Money Network XXXX. They told me the card was already activated and my funds ( XXXX ) had already been transferred on XX/XX/year>. I explained to them the card was in my possession the entire time but I did not activate my account yet. I asked for their XXXX XXXX, but they refused to provide me with any contact info. I asked them to open a dispute and they said I would be getting an email to submit my claim to. I never received an email. I called back several times, but they kept transferring me and putting me on hold for over XXXX hr, and never returned to the call. This happened 3 times. Finally I called again and they woman told me to contact XXXX. When I called XXXX, they said they couldn't help me and told me to call Money Network. I tried calling again and still they will not open a claim or help me get directly to the XXXX dept!
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank informed me that an error from one of their employees results in my checking account to go negative more than - {$45000.00} due to a withdrawal mistakenly taken from my account vs someone elsesagain the companys error But when I call 2x to talk to a manager and also go to a local branch I am told they are putting me in your system to get a call back in 1 to 3 business days!!!??? 
and then after review will be mailed a check to correct my account?? 

after 20 years of being a customer this was not immediately fixedgiven it was fifth third employee error and my funds that they took away from me not fully reimbursed Meanwhile my payments for my bills are being returned and the fees are piling up What is there to review?
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BOK FINANCIAL CORP (OK)

I saw an ad on XXXX selling concert tickets so I messaged the account on XXXX. We agreed to {$150.00} each for XXXX tickets and {$30.00} for a parking pass. The accounts name was XXXX XXXX. The email provided for XXXX was XXXX, and the name on the XXXX was XXXX XXXX. They said it should take a couple hours for the XXXX direct transfer to reach my inbox. After a few hours I did not receive any such email and tried to message again, however the account had blocked me.
Consumer complaint received 2024-01-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Hello, I received an American express gift card from my employer as a XXXX gift in XXXX. I have tried my best and have not been able to use it anywhere. I contacted the company earlier this year and they claim their gift card can be used everywhere. Unfortunately this statement is false and their gift card can not even be used on XXXX or XXXX to complete purchases.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: MOHELA (FL)

I enrolled in full XXXX  university in XXXX with a tuition that was an amazing cost I attended orientation that would be considered one credit I was incarecertated. Then upon after I release I started in XXXX called a cross over stage every since enrolling with the school Ive had nothi bc but problems and resulting to a crypto currency theft from my school I isuued launch box of my XXXX I were to receive a XXXX but never did so. As well the school should have filed a XXXX with the fiscal year of XXXX  but didnt and I addressed all these concerns with them as well as the theft of my XXXX and much more but they fail to work in helping me any way