davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Conduent Incorporated (VA)

XXXX  ripoff Introduction : For two years now I have been trying to close an account call XXXX. The company 's website is XXXX, but it is own by conduent ( possibly an XXXX company or offshore outfit ). All my calls go to XXXX and they won't allow escalation to management for resolution. The company gives you a prepaid card where they charge you a monthly fee. The card is to be used for general medical purposes. 

Issue : The problem is once you open an account, they won't allow you to close it. If you keep calling, it will simply create new policies to keep your account open. They have delayed my closing process for two years while extracting fees. It is basically embezzlement by forcing you to keep the account open. 

Summary : Simply put, they won't close your account because they want to keep charging the monthly fees. 

Through two years of calls being put on hold as well as being transferred constantly to XXXX call centers, they manage to steal monthly fees worth almost {$100.00}. As of XX/XX/2020, the account is still not closed. I don't know what to do. I tried pleading and explaining, but they keep charging. 

Please help. I just want to close the account and get the two years worth of fees back. I also want to notify the proper American authority about this possible foreign scheme and prevent this from happening to other people. Again, they keep scheming you with fees by keeping the account open in perpetuity.

Below are the account information I have : XXXX XXXX  XXXX Please help.
Consumer complaint received 2021-08-20
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: CITIBANK, N.A. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CBNA violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Hello, Im shocked, surprised, XXXX out both XXXX  and XXXX  to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: American Credit Acceptance, LLC (CA)

On XXXX, 2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2017-09-19
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. (CT)

I have several hard inquiries that are effecting my credit report tremendously! I would like them remove because I was not inform that they would have an effect on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WA, XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX WA, XXXX XX/XX/XXXX XX/XX/XXXX XXXX TX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX MD, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX UT, XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I mailed off a letter to Experian and XXXX on XX/XX/2022 of a bankruptcy that was on my credit file that needs to be removed. It been 111 days no answer.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I would like to file a formal complaint against LVNV FUNDING LLC for failing to provide accurate legal debt validation within the allowed 30 day time frame under FCRA. In XX/XX/2021, I sent a debt validation letter via certified mail which was signed for by XXXX XXXX to LVNV FUNDING LLC. LVNV funding LLC sent back a nearly blank letter from a totally different company by the name of Resurgent Capital Services. On the front page of the letter, there was one address and on the second page of the letter there was another address the letter stated was mines. There was no break down off fees like requested, no signed documentation. LVNV did not provide any documents to prove I owe this debt or provide legal debt validation under FCRA rules and regulations however they continue to report this account.
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

A XXXX credit account was opened in my name fraudulently issued through XXXX XXXX I reported it to XXXX XXXX and they agreed to remove it. now they continue to send it to collection agencies and threaten me.
Consumer complaint received 2020-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

At this time, there are payments that are being counted as 'inellgible ' despite a bill being issued on payments from XX/XX/XXXX through XX/XX/XXXX, Payments not being counted from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that should be counted. Can you please look into this? Thank you so much for your help.
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (MS)

On XX/XX/2020 I received two letters from TD Bank stating my accounts with them were dormant. The letters directed me to call them or to go to a branch in order to receive the money on my accounts. I live hours away from the nearest branch. Upon calling the bank, I was placed on a 29-minute hold. The telephone representative was unable to provide me access to my money, even after accessing my credit file and asking me verification questions. She told me the bank could not grant me access to my money, and the bank would not mail a check to me. I asked her if I would need to file a complaint with the government in order for me to receive my money. She didn't seem to care. It appears, in cases such as mine, this bank 's policy is to hold its customers ' money unlawfully. This is outrageous!
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as XX/XX/XXXX and I am not able to gain access toXX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contactingXX/XX/XXXXI was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I received a SBA LOAN and had the funds deposited into My business account at Suntrust Bank. On XX/XX/XXXX my bank account was frozen and from what I was told it was due to rules and regulations. I called and they stated that I had to wait 7-10 days after my last transaction in order for my account to be fully closed and I get reimbursed my funds. On XX/XX/XXXX I received a letter from Suntrust stating that the remaining funds would be mailed to me in form of a check within 5 business days. I never received anything so I called Suntrust again. This time they said they didnt send my funds because they didnt want to send it to the wrong person so they requested several documents to prove ownership of the account and funds. I went into the branch with the docs requested which was, my EIN VERIFICATION LETTER That was FROM XXXX, my XXXX & XXXX Tax documents, my SBA loan approval letter and my Driver License and spoke with the Branch Manager XXXX XXXX ( XXXX XXXX XXXX ) and had the documents sent via Fax to Suntrust ( back office ). I was told to wait 1-3 business days for the process. I waited 3 days and followed up with Suntrust, they said they didnt receive the documents so I took another day off to prioritize the matter and went back into the branch and spoke with the same manager and the called to verify all the documents they needed and where she had to send them to. I provided all of the documents and sent resent them. I was told to wait 3-7 business days as the documents were verified. In XXXX I did another follow up and I got the same results. I waited approximately 1 month to give them time to resolve the issue to get the same results. I contacted the SBA and they told me that it was out of their hands. So I called Suntrust again in XXXX for them to ask for the Same documents that I sent, So I sent them again for them to tell me theyre not gon na reimburse me. During this unconstitutional process, I lost a {$240000.00} contract with XXXX XXXX XXXX due to not being able to fund my business and employees properly.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Betterment LLC (NY)

Hello CFPB, On XX/XX/XXXX I opened a Betterment Bank Checking Account after seeing it on an App called XXXX. Opening this Betterment account and funding it ( no minimum funding requirement was stated ) meant that I would receive XXXX XXXX points, the equivalent of {$50.00} in gift cards. 

After months of waiting, I never got my points. I contacted XXXX and they replied that Betterment is declining to give me my points because I only deposited {$0.00}. Once again, there was no minimum deposit amount stipulated in the terms and conditions. They are not honoring their side of this deal. 

What XXXX said : Sure thing, XXXX! 

The Betterment offer steps are as follows : You must be a new customer To earn your XXXX  points, open and fund a checking account through the button below You must click the button below and open and fund your account in the same session XXXX points are not eligible on Investing and Cash Reserve accounts As I said, the checking account does have to be funded, so XXXX does not meet that requirement. 

My response : So what you're saying is that the XXXX deposit I put in doesn't count? 

What XXXX said : Hi XXXX, Unfortunately, yes that is the case. We have been told of a couple of blogs that were advocating this that were not associated with XXXX that drove some members to create Betterment accounts with XXXX and other disqualified rates. We've done our best to help correct for this, but it looks like Betterment has declined this particular case already based on the amount of XXXX cents being used to fund the account setup. 

What I said : See that's the thing. The minimum deposit amount wasn't listed on the terms and conditions. I deposited correctly ( sure it was only {$0.00} ) but I fulfilled my end of this deal. 

I opened this account purely because I wanted the points on XXXX. 

What needs to be done on my end to get these points? Should I contact the CFPB and make a case against Betterment? I think that will suddenly make them accept that they have to honor this deal. 

What XXXX said : Hi XXXX, I do hear your point here, but as I said, Betterment has deemed this as insufficient to be considered reasonable funded. We've had several members misled by the blog posts that suggested this, and have had a painful time assisting them because of it. 

_____________________________________________________________ So here we are today. CFPB you're my only hope to rectify this situation. Betterment Bank scammed so many people who opened accounts, got a hard pull on their credit score, didn't stipulate a minimum requirement ( just that it had to be funded during the same account opening which is what I did ), realized their mistake, and now they're trying to put the blame on the customers. This is the definition of a scam. 

Please do whatever you can to help consumers like us from these banks that are trying to get away with scamming us. Thank you so much.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.