davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I am the XXXX XXXX-in-fact under a Power of Attorney that Citi 's Office of the President accepted. When I received instructions on sending the POA into Citi, I was informed that I should call back to receive online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Citi will not let me have online access when I tried to obtain it today, XX/XX/18. The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. Indeed, Citi acknowledges that I can request a decrease on the limit and that I can close the account.

What I CAN NOT do, according to Citi, is get online access to the account activity and maintenance features because - wait for it - I don't have the 3 digit security code on the back of the physical card. I can't get that for a few reasons, not least of which is b/c the principal is XXXX miles away, and b/c she is constantly losing her cards bc - wait for it again - she has XXXX. 

So, I go to all of the effort to write to the Office of the President, spend hours on the phone today getting authenticated in the worst process you can imagine, and try to get online access, and even though I have all legal rights to conduct business relative to the account, Citi won't let me have online access. I was told twice that, " oh, the principal account holder needs to give you access to online account information. We can't let you have online account access without the principal letting you. '' Are you XXXX  kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Citi would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?
Consumer complaint received 2020-06-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OLIPHANT FINANCIAL, LLC (OR)

They keep calling me about an account in a debt management program. I have given them the information numerous times and they continue to call and tell me that they can't find it. I have asked them to stop calling me repeatedly and threatening me with ruining my credit. I started the debt management program to prevent me from this happening and it continues. The lady that called today said I will continue to call me until I give her the information. I didn't have the information with me at work and explained I have given Oliphant financial this information at least 5 times. The XXXX credit card is getting paid directly by XXXX  through the program. They should have this information and then threatened to file a judgement.
Consumer complaint received 2018-12-15
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. (TX)

Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.
Consumer complaint received 2022-03-05
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: Atlanticus Services Corporation (CT)

On XX/XX/XXXX I received fraud alert message from fortiva XXXX unauthorized charge on account that I haven't used over 1 year. I cut shredded card 1 year ago and no longer have access use. I immediately called fortiva about unauthorized charge and completed an Affidavit. I followed up XX/XX/XXXX fortiva rep confirmed Affidavit received on XX/XX/XXXX by email and after placing me on 1 hour hold rep confirmed fraud charge removed from account Old card canceled and a new card issued. Ive been monitoring account everyday since and on XX/XX/XXXX same fraud charge XXXX reappears on account. Hours on phone fortiva refuses to assist me. 15 hours phone calls fortiva refuses to assist me. I want XXXX fraudulent charges removed from account immediately. Horrible company
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TN)

Franklin Collection has placed a collection on my credit profiles claiming that I owe {$140.00} to the XXXX XXXX XXXX. I have never been to that medical facility in my life and I'm not familiar with it at all.
Consumer complaint received 2020-02-04
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 (MD)

I had several items post to my account on XXXX and BOA chose to post a {$600.00} draft that was sent to my account before all of the other charges last which caused me to have overdrafts that totalled {$150.00} and would only return {$35.00}. I was included in a class action suit in the past because of this very same action. It is horrible and time for me to leave this bank.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?
Consumer complaint received 2022-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

About 1 month ago I was contacted by a XXXX female on social media ( XXXX ) who pretended to be interested in me. she sent me photos on XXXX, and I sent her some of me. then she wanted to do video chat she was talking about love within a week of chat. I was like wow slowdown that's when I suspected that this may be part of a scam. But I played along then she wanted to help me make a good investment. she said she was a crypto assets manager in XXXX, and she would be flying into XXXX Fl. next month and I should meet her there if I want to. But I'm in XXXX. Now she wants me to open an account with XXXX  and I should put {$520.00} In a certain crypto that is in the primary market like XXXX she said. stating it was digital love day in her country on XX/XX/XXXX which was the next day so that's why I should put {$520.00} on an investment so it can be the first thing we do together. So, the next day she walked me through the application process, and I was careful not to share any sensitive info with her but when I had trouble with the opening of my account, she started getting pushy and that's when I told her that I think she was trying to scam me somehow, she lost interest in me really quick and told me off XXXX XXXX XXXX XXXX. I said OKAY bye. and I thought that was it. then I made the mistake of going through with the opening of my account with Gemini except I only deposited {$100.00} not {$520.00} well as soon as I made the deposit may  account was frozen when I noticed it was frozen the next day, I contacted support and we went through a lengthy process of revalidating my identity and documents and authenticator, but we finally got the account unfrozen only to find it frozen again the next day. and it has remained frozen since. about a month of emails ( over 60 emails ) more validating and authenticating but they don't unfreeze my account I provide everything they ask for and they still don't unfreeze my account. all the while my balance is shrinking. they use the term frozen when in fact it is not frozen if I am accruing losses to my balance its more like a lock out of my own account.
Consumer complaint received 2024-03-01
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. (CA)

Someone, who probably has my personal information, applied for credit cards causing so many inquiries on my credit report which are the following : XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>, and XXXX on XX/XX/year>.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (NY)

YOUR IMMEDIATE ATTENTION, PLEASE CLARIFICATION/AMPLIFICATION : CFPB COMPLAINT # XXXX FILED BY TELEPHONE ON XX/XX/22 AGAINST DISCOVER BANK I APPLIED ONLINE FOR A DISCOVER IT SECURED CREDIT CARD. 

I DEPOSITED {$1000.00} IN DISCOVER BANK AS SECURITY. 

MY APPLICATION WAS APPROVED. 

I RECEIVED THE CARD. 

I ACTIVATED THE CARD BY TELEPHONE ; IT WAS IMMEDIATELY USABLE. 

DISCOVER BANK MAILED ME A FIRST-CLASS LETTER INFORMING ME THAT A TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD, THAT I NEEDED TO FILL OUT THE ENCLOSED ID VERIFICATION FORM, HAVE IT NOTARIZED AND MAILED WITHIN 14 DAYS ; OTHERWISE, DISCOVER BANK WOULD ABRUPTLY CLOSE MY NEW ACCOUNT AND RETURN MY {$1000.00} DEPOSIT. ( THIS ADDITIONAL REQUIREMENT WAS NOT PREVIOUSLY DISCLOSED TO ME. ) I SPOKE BY TELEPHONE WITH A SUPERVISOR IN DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT WHO TOLD ME THAT I DID NOT NEED TO SUBMIT A NOTARIZED ID VERIFICATION FORM. THAT I SHOULD DISREGARD THE FIRST-CLASS LETTER I HAD RECEIVED AND THAT THE TEMPORARY HOLD ON MY NEW CARD WAS REMOVED. 

I USED MY NEW CARD ONCE. 

I RECEIVED AN EMAIL FROM DISCOVER BANK STATING THAT A SECOND TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD AND THAT I NEEDED TO SUBMIT A NOTARIZED ID VERIFICATION FORM QUICKLY OR ELSE. 

I TELEPHONED DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT AGAIN TO RECTIFY THIS REPEAT PROBLEM, BUT NO SUPERVISOR WAS AVAILABLE TO AUTHORIZE IT. 

I FILED MY TELEPHONE COMPLAINT WITH THE CFPB ON XX/XX/22. 

I AM OUTRAGED BY DISCOVER BANK 'S SHAMEFUL AND UNNECESSARY HARASSMENT OF ME AS A NEW CUSTOMER! OBVIOUSLY, DISCOVER BANK IS BADLY CONFUSED AND DOES NOT KNOW WHAT IT IS DOING! 

I WANT THE CFPB TO COMPEL DISCOVER BANK TO IMMEDIATELY REMOVE ITS TEMPORARY HOLD ON MY NEW SECURED CREDIT CARD SO I CAN CONTINUE TO USE IT. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, NY XXXX SINCERELY XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc. (NY)

I received a collection letter for two medical charges of {$110.00} totaling {$260.00} for services by XXXX XXXX XXXX a XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX NY where I spent XXXX days with XXXX XXXX. The charges were for services received on XX/XX/2022 and I paid these charges in full with my XXXX XXXX card on XX/XX/XXXX with the XXXX payment app. I submitted proof of payment to Action Collection Agency in XXXX yet they continue to harass me for payment. I consider this matter closed and want my name off their records.
Consumer complaint received 2018-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Equifax CONTINUOUSLY has computing, communication, telephonic and website programming/coding issues that not only keeps REINSERTING accounts that have been previously identified as identity theft AND previously deleted in XX/XX/XXXX and XX/XX/XXXX. I have notified Equifax of this and, per the FCRA, these reinsertions are  supposed to be IMMEDIATELY deleted and removed.

1. ) I WAS NOT notified by letter of the reinsertions ; 2. ) The tradelines were previously deleted, so they should not be reactivated ; 3. ) Equifax must comply with the FCRA IMMEDIATELY and delete the reinsertions.

... but what is disgusting and so ridiculously transparent is the fact that : a. ) Equifax WILL NOT follow proper rules as established by the FCRA and, instead of deleting the reinsertions, they open a regular 30-day investigation, which is incorrect, b. ) Equifax continuously and randomly changes their fax number, phone numbers and closes down the XXXX XXXX for communication WITHOUT notice, and c. ) When I attempt to review the dispute results, the system can't find me using MY OWN information EXACTLY as it appears on the reports available to me in my online credit monitoring product PROVIDED BY EQUIFAX.

I am really sick of the games at this point, You know XXXX well who I am and my details that I provide match the details in my profile. STOP hiding, STOP looking for excuses to not comply with the FCRA, STOP keeping my investigation results from me, STOP improperly handling my disputes, STOP MISSPELLING MY NAME and just STOP STOP STOP all of the illegal and purposely deceptive games you keep playing.
Consumer complaint received 2023-03-29
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage Loan : XXXX I am an XXXX XXXX XXXX. I was stationed overseas until late XX/XX/XXXX. Prior to deployment my mortgage was with XXXXXXXX XXXX. Each month XXXX XXXX automatically debited my bank account. My XXXX orders were extended from XX/XX/XXXX to XX/XX/XXXX because of the Russian/Ukrainian crisis. When I returned home in late XX/XX/XXXX I learned for the first time that XXXX XXXX had transferred my loan to Carrington Mortgage sometime in XXXX. Carrington Mortgage did not automatically debit my account. Instead, Carrington Mortgage said I was delinquent and reported delinquencies to the credit reporting agencies. When I first learned about the delinquencies and the past due amounts I immediately paid what was owed and I set up auto-pay with Carrington Mortgage . However, Carrington Mortgage refuses to remove a 90 day delinquency from my credit reports. I have never had a single late payment in my life on any account. I am worried that this delinquency may jeopardize or have consequences for my nearly 18 years of XXXX XXXX XXXX Given the circumstances of my XXXX, I respectfully ask that any and all delinquencies being reported by Carrington Mortgage be removed.
Consumer complaint received 2022-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I have tried to dispute the debt with LVNV FUNDING LLC and the credit bureaus. I have not received any information from either company that shows the debt is mine. I do not owe this debt and have never had an account with LVNV FUNDING LLC or the company they are trying to collect for.
Consumer complaint received 2022-06-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (VA)

My current mortgage with Mr. Cooper-XXXX was transferred from XXXXXXXX XXXX prior to XXXX of this year. I submitted and was processed for loan modification then forebearance prior to the transfer of my account to Mr. Cooper. I contacted XXXX XXXX in XXXX of last year to find out that my account had been sold to Mr. Cooper and that I should be receiving correspondence from them. I received a letter in XXXX informing me of the transfer and that I have 60 days to make my first payment with them. I received the new amount of the approved loan modification in the amount of {$2300.00} and began making payments. In XX/XX/2022, I was contacted by a Mr. Cooper representative and was informed of three transactions. 1st-The representative stated that Mr. Cooper had not received any documentation from XXXX XXXX relating to the loan modification. 2nd-The representative informed me that an involuntary loan modifcation was in progress and that I should expect a higher amount in the following month. 3rd-The representative informed me that I must provide a complete loan modification packet since they had not received documentation from XXXXXXXX XXXX  which I submitted the completed packet. I received an alert last week that a new document was added to my account. So I logged into my account and read that although I completed/submitted the loan modification packet there was still some questions that needed to answered. It further stated that I have until XX/XX/2022 to provide this information and if not then foreclosure processing will begin. My home is currently for sale and under contract with a closing date of XXXX XXXX which I informed Mr. Cooper last week after signing the contract. Not only do I not know of the information that I need to provide, this is the second time with Mr. Cooper that I've provided information, processing started to review my account for loan modification and almost 30 days transpires before I'm notified of either to provide more information or that the loan modification was declined. I simply want to resolve this matter as I've expressed since I've been with Mr. Cooper and this transaction has been in progress since XXXX of this year. Also, I was not provided a reason as to why there was an involuntary loan modification processed without my knowledge and that Mr. Cooper reported my payment as late for the month of XXXX which there shouldn't have been reporting during the loan modification review as I was advised.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: RENASANT CORPORATION (MS)

Ive called my bank at Renasant at several different locations trying to get help with overdraft fees. Im a single mom and told them I started a new job with the XXXX XXXX and I had no money to put in my account until I get my first paycheck. I got a letter from the big glass Renasant bank in XXXX, XXXX saying if I need help to call. I called Thursday to tell them if they could help with a couple it would help. She put me on hold and said unfortunately at this time we cant help, I dont receive my first paycheck until the XXXX of this month. I have occurred XXXX or more in overdraft fees due to insufficient funds in a couple months. Its every other time I check my account Ive been hit with another {$36.00} fee. Those add up to a lot of money. I will be lucky if I get to spend any of my check to buy food and gas to survive on due to all the fees. I was charged two to three overdraft fees in the same day as well.
Consumer complaint received 2022-06-19
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. (TX)

I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections 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 did numerous disputes with Experian about items/inquiries on my credit report that did not belong to me. Experian falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that Experian remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections 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 2021-11-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (MS)

This company violated 12 CFR PART 1022 REGULATION V. They are still reporting outdated information that 7+ years old on my report. Also they are reporting multiple negative accounts with ONE account number.