davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

I received a USBank Reliacard debit card today XX/XX/2021 for unemployment. I am most definitely NOT unemployed, I own my company and did NOT lay myself off. I have tried repeatedly to contact the state of Ohio unemployment and they hang up on you after ridiculously long wait times. USBank has a fraud form to fill out to close the card, but at the end it states I must then inform the failed government agency that I can not ever reach! This is unacceptable and I am furious to see first hand that these type of things are happening and most definitely at the taxpayers expense!
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (MD)

I have called the company to resolve such a huge debt. I had only used about half of the {$500.00} credit limit originally back in the Fall of XX/XX/2017. But, eventually I lost the card and someone was using it causing it to overdraft to over {$5000.00}. I talked with Discover multiple times explaining to them the situation, but they kept ignoring the issue and wanted me to pay all of them overdraft fees that occured due to the lost of my card. I had even put a freeze on it and they changed the account number at least 2 times trying to offer me a new card which I declined. I only want to be responsible for that {$250.00} I used on the account, no late charges or anything. Just that amount.
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (FL)

In XX/XX/2016 I moved to a location where XXXX XXXX XXXX could not provide service to me. when I called in to try and move my services thats when I was informed they did not provide service in that area and also told me they would wave my cancellation fee because of the inconvenience. About 3 to 5 months letter I receive a letter from a debt collector stating I owed XXXX XXXX XXXX for a early termination fee. I decided the battle was not worth it so I went a head and paid off this debt.
Consumer complaint received 2018-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

Im a victim of a fraud. An unauthorized transaction made in XXXX XXXX account using all my informations. Charged notice in my bank account of {$450.00} on XX/XX/2018. XXXX XXXX stated transaction was valid. Its not true, my informations in my account in XXXX XXXX was stolen.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My checking account has overdraft protection and will automatically debit my savings account if overdrawn. At some point USAA FSB reversed this so my savings was being protected by my checking account. My checking was overdrawn and a charge was returned to a merchant and I was charged a fee. When I called USAA FSB admitted all this but were not able to fix the problem.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NY)

Caine & Weiner collection agency reported as past due a payment debt on amounts not owed. I believe they purchased this debt from XXXX XXXX for stem cell storage services that we cancelled in the past.
Consumer complaint received 2018-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (KS)

XXXX XXXX XXXX garshied my bank account for a time barred debt. 
Not properly served. 
Another account sent to XXXX XXXX.. this is not verified and is time barred as well.
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (CA)

I received a small loan for {$250.00} two months ago, under the pretense that I would be able to make {$25.00} payments each month, to build credit history for myself. 
I was alleged to have a full 30 days before my first payment, and was surprised to be billed a couple weeks later on the amount of {$310.00}. 
I wrote back and explained that I would begin making my {$25.00} a month payments on the aforesaid date of my original billing cycle. I wanted to know why they did not keep their end of the arrangement. I received an email back, and the individual said I'd have to ask someone else, and they couldn't help me. I am still trying to reach the right individual to reinstate my payment plan, so I can pay off the little tiny loan I received. I just wish I'd been told the truth in the beginning, because I would not have taken the loan under those terms. 
Several times they have tried to deduct the full {$310.00} from my bank account. I had the {$25.00} pulled out of my savings when I received notice that I was being billed early, and they never tried to take that. They only wanted the {$310.00}.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I had an account with Bank of America, # XXXX that was the subject of fraud, the fraud department closed my account and than {$60.00} was transferred into it. BOFA started a new account for me! I decided to change banks so I went and closed my new account and withdrew my money! The teller stated she could not take the {$60.00} dollars from the account that was closed by the fraud department. I was told they would send me a check. I received a letter from BOFA last week that shows I was charged a {$12.00} maintenance fee and that on XX/XX/24 that ID XXXX cash withdrawal of {$48.00}. I contacted BOFA, they stated I would have to talk with the bank in XXXX, Idaho ( 2 hrs drive ) because it shows the money was withdrawn. They charged me for an account they locked and I never took the money out!
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Collection Systems, Inc. (FL)

This is a follow up complaint response to your recent claim # XXXX. I received your attempt to validate the debt that you are erroneously reporting about me. However, it does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? It shows nothing but my name, address, and a dollar amount. But I do not see my signature here or any of the other items requested from you. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything? 

You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good faith attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX  and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-02-25
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX, and DSNB Bloomingdales. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is DSNB/Bloomingdales Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello I opened an account with truist bank on XX/XX/2024 deposited one amount for {$2100.00} and another for {$50.00} when I set up account banker told me my funds would be available XX/XX/2024 couple days before I noticed my online access was closed when I called they said account was being closed due to fraud, I questioned what and they gave me a fraud number when I called them they proceeded to tell me they couldn't tell me over phone what was wrong something would be mailed explaining, l never received anything. Went up to the bank about once a week since then telling them to just close the account and mail the check, multiple people told me different things every time as to " what is going on with account '' and I was also told by one banker account would be closed end of XXXX and they would mail check would receive no later than one week into following month. Still no check and when I call bank, they proceed to tell me the account was still under investigation and said it was closed but was being investigated and have no idea anymore info than that and no idea when I will be receiving my funds or any information. I have tired every thing I have either called or went into a bank multiple times to resolve this and it seems nobody truly knows what's going on exactly.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (NJ)

1. I have disputed the debt as invalid multiple times ( on phone and through letters ) but they refuse to acknowledge it and provide more details. 

2. However, they keep calling me and sending me letters in the mail multiple times.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

I was shopping for refinancing rates in XXXX when I stumbled upon AmeriSave. AmeriSave quoted me 2.5 % on a 30 year fixed conventional refinance for a single family residence in Nevada for {$2600.00} in fees. I agreed to this pricing in XXXX and was told they would hold the rate for me for free since they were taking so long to underwrite. The loan processor then asked me to fill out the application and upload the traditional docs for underwriting ( W2s, Bank statements, etc. ) and I complied immediately. I was also told that an appraisal would be able to be waived. However, I was charged for an appraisal and subsequently told I'd be reimbursed for it at closing as I assumed it was a paperwork issue. For months, I was asked for more and more information despite having an acceptable DTI ratio and prime credit. In XXXX I said to the loan processor that this is getting ridiculous and that they needed to finalize closing already. When I received closing disclosures, AmeriSave snuck in 3.5 % interest ( NOT the 2.5 % I agreed to ) and {$6200.00} in points ( NOT the {$2600.00} ) I agreed to. The loan processor told me that it was just reflecting current pricing and he would get it corrected. Then the next closing disclosure reflected the same higher amounts. I complained, and was told that they can not change it. It seems that AmeriSave is back to their old Bait and Switch tactics from before ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ ).
Consumer complaint received 2024-03-14
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: BARCLAYS BANK DELAWARE (OH)

On my XXXX XXXX credit report, I noticed a company called Barclay Bank & XXXX had made an inquiry on XX/XX/year>. I do not recognize this company. 

I attempted to call the company, but there were technical issues which made it very difficult to hear the person on the other end. She also asked for my Social Security number which I refuse to give. She told me she could not help me. 

I searched my email to see if I had made any communications with this company, but I had not. Please remove this inquiry from my credit report. It does not show up with the other two credit bureaus. Thank you.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


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

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (IL)

XX/XX/XXXX amount owed {$3000.00} XX/XX/XXXX amount owed {$31.00} these are under 2 different account numbers neither one is mine. i have filed an identity theft report.
Consumer complaint received 2021-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2018-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/18 at XXXX I withdraw {$6500.00} from by XXXX account for business purpose to transfer to bank of America account of my business partner which I needed to deposit {$7500.00}, my plan was to use {$6500.00} from XXXX account and to withdraw {$1000.00} from BOA account. 
I then went directly to the ATM to withdraw {$1000.00} from my bank of America account ( I had to do 2 transaction, 1 for {$800.00} then for the remaining ). I then walked to to the teller to do the complete deposit of ( {$6500.00} and {$1000.00} that I had withdraw from my BOA account ) to do the deposit to my business partner account who he also a BOA customer as well. I was redirected by the teller to deposit in my account then to do a online transfer. I proceeded to the atm the first transaction I tried was for ( {$1000.00} which the transaction only allowed XXXX and returned {$20.00} ) -this amount was successfully deposited. I then proceeded to do the remaining ( from the {$6500.00} I took out a portion of the money and inserted in the machine ) the machine took the money never returned it, then posted the error message that I have attached. I then ran to the teller to explained what had happened, she then took the envelop with the remaining cash that wasn't deposited and calculated it to be ( {$2100.00} the amount that I never got a chance to deposit. ) she then advised me to make a claim and assisted me to use there phone number. I filed a claim and was advised it could take 7-10 business days. I explained that this was my money and clearly this was their error which was a huge inconvenience, considering I had business arrangement which end up costing me to incur interest and also considering that was the holiday weekend- no one considered to even give me a temporary credit of apart of the money- considering the inconvenience. I called everyday after and was told they are waiting to balance the machine with no regards on my situation faced. couple days after I was told they recovered only {$3200.00} from the missing {$4400.00} which they then closed my claim saying it was resolved. After numerous calls and asking for further assistance or a manager my claim was reopened, hours later I received a call from the manager that my claim was close and the machine doesn't make error and she is closing my claim. To date I have only received {$3200.00} which I am still missing {$1200.00} with a close claim.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In according with the Fair Credit Reporting Act, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Payment Report XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (OH)

I originally started disputing inaccurate items on my credit report on XX/XX/2020 with XXXX, Equifax, and XXXX. I included documentation showing that I was affected by the Equifax Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.