davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX, THE ONE AND ONLY XXXX XXXX WHO's SOCIAL SECURITY NUMBER IS XXXX ( Which is attached XXXX am a victim of identity theft. I Filled out a FTC report about it ( report # XXXX ) .by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this on XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Volvo Car Financial Services U.S., LLC (NY)

I am writing today in regards to my lease account with VOLVOCARLSE account # XXXX. The reason for writing today is in regards to the late lease payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (GA)

I am no more than 15 days late on my credit card payment with Discover. I have let the company know that I would be making my payment on Friday. Times are hard with me missing work in the beginning of the pandemic and catching up seems to be a never ending process but I will get there. The company continues to call me at least 6 times a day. This morning as I am on the phone with a rep from the company another rep was beeping in. I nicely explained to the lady that if they continue to harass me in regards to the payment I will not be sending them any money. A call a day is plenty.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On XX/XX/XXXX Amerihome mortgage company took XXXX mortgage payments unauthorized out of my checking account totaling {$5500.00} I called them immediately and there was nothing they could do. so I called the bank XXXX XXXX and I put in a claim with them to stop that payment from going through. the mortgage company said that they were going to refund me the money that was on the XXXX when they said that they were going to issue me a refund its now with the XXXX And nobody at the mortgage company can tell me where the refund is, if a check was cut, if a check was sent, whats the amount of the check, no check information at all I am but now that they pulled that money from my account when XXXX XXXX took the {$5500.00} payment back they nous say I havent made a payment since XXXX I have made all my payments. I have made all my payments on time and now theyre saying I owe them {$5000.00} when they have all the money Im not sure what to do this mortgage company is very difficult you cant talk to anyone that can do anything, wait on hold for hours so they can do research theres no communication within the company. they dont talk to the department that deals with the refunds. I just dont know what to do. I cant access my account online because they blocked it because they say Im more than XXXX months behind on my mortgage they said they were gon na send me to collections Im just unsure of what to do
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (TX)

I am writing to you with regards to an erroneous collection account that appears on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to demand full debt validation if a debt collection agency intends to report any debt on my credit profile. It has come to my attention that the collection account listed under your companys name has not been appropriately validated. 

I am hereby formally requesting that XXXX XXXX XXXX and SEQUIUM provide the following documentation, which constitutes full debt validation : XXXX. A copy of the purchase agreement between the original creditor and XXXX XXXX XXXX, clearly indicating the transfer of debt over the account in question. 
XXXX. The original contract bearing my written signature, affirming my agreement to the services provided by the original creditor. 
XXXX. Documentation proving that XXXX XXXX XXXX sent me a disclosure of full debt validation, notifying me of the alleged debt and my rights as a consumer under the FDCPA. 

Please be aware that mere account information and statements will not be accepted as full debt validation. As a consumer, I reserve the right to demand stringent validation measures to protect my creditworthiness and rights. 

Failure to provide the requested documentation within [ state a reasonable timeframe, from the date of this letter will result in further action on my part, including filing a claim against XXXX XXXX XXXX for non-compliance with federal consumer protection laws. 

I trust that XXXX XXXX XXXX and SEQUIUM will promptly address this matter with the seriousness it warrants and take immediate steps to rectify the erroneous listing on my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I purchased some items from XXXX they issued credits back on the card. Citizens claims they havent received it but XXXX verified numerous times with citizens they had issued the credit.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a member that was affected by the disgusting and illegal debt collection practices Navy Federal Credit Union conducted. The XXXX ruled that Navy Federal Credit union compensate " members '' that were affected by their disgusting and illegal debt collection practices, such as locking me out of my checking account if I missed one credit card payment. I contacted Navy Federal Credit union to alert them that I was a " member '' affected by their disgusting practices ; and I was told by a supervisor that they would audit my accounts affected and I would receive a letter in the mail. 13 months, and several attempts to contact Navy Federal Credit union about the matter I still have not received a letter nor compensation. My question now is did Navy Federal Credit union contact all " members '' alerting them of the XXXX ruling? Why did I not receive a letter?
Consumer complaint received 2021-12-03
Product: Credit card or prepaid 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 (FL)

Sometime between XX/XX/XXXX and XX/XX/XXXX I redeemed XXXX points for a {$50.00} XXXX XXXX for a XX/XX/XXXX XXXX XXXX cruise. XXXX hit an my cruise was cancelled. 
I was finally able to rebook my cruise for XX/XX/XXXX and as of today the {$50.00} credit hasn't posted to my new booking. I contacted XXXX XXXX and they indicated they can resolve the issue if Bank of America provides me with the transaction id associated with the redemption. Bank of America only retains redemption records for 18 months and is unable to provide me with the necessary information to use my {$50.00} Credit. Additionally their online statements which have an 8 year retention period don't include this required information for me to provide their XXXX. Understanding that XXXX was an unpredictable circumstance and in a normal circumstance an 18 month retention of rewards redemptions may be sufficient ; I have concerns that significantly more customers besides myself have been impacted by this scenario and may not even realize it. And for those that do recognize the error Bank of America isn't equipped to resolve and remediate the issue. I requested a courtesy adjustment of the XXXX points so I could just re-redeem in lieu of the transaction id and I was advised it could take months to research. I've attached my statement as evidence of the redemption and lack of critical information needed to work with their partner on resolution.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I called this collection agency after haven received a mailed document that I owed money to a previous apartment complex. The amount was erroneous. I wrote them in the allotted time; provided the copy of the lease that showed I had XXXX in deposits that was not being deducted from the balance. In a phone conversation they agreed and advised that they would be sending it back to the apartment complex for review and adjustment. Two weeks later they called my cell again requesting the wrong amount. I advised XXXX if she could read the notes and advise me what happened to the investigation. She could not. Instead she advised me that I didn't need to be so hostile. I was not. She advised me that since I was refusing to pay....I advised her per my letter to IQ at no time was I refusing to pay my bill, I am refusing to pay the amount because it is not accurate. I asked to speak to a manager. XXXX came on the line pretending to be a manager. XXXX advised me there was no investigation going on it wasn't ever returned to the apartment complex for an adjustment and I would pay the XXXX if that's what I wanted but the account wouldn't be considered paid off. He then said let me get you to a manager because I don't like the way this call is going. And put me on hold. In comes XXXX XXXX. XXXX regurgitated the same things her coworkers said. At this point in frustration I yelled out as she kept talking over me!! These employees and this company are disgraceful!!! I have never experienced such rudeness and disrespect or lack of assistance in getting this matter handled. If I don't owe the amount, all they have to do is bring it back to the apartment complex for an adjustment and I would pay the final bill, which I still intent to do on the XX/XX/XXXX. I can't believe that IQ Data is allowed to do business like this.
Consumer complaint received 2021-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Credit and Debit Cards have significant delays in processing transactions usually 3 days or more resulting in over limit fees and negative account balances. I had paid my cc bill in full last month only for them to debit the amount from my checking account immediately but withhold the credit line for 7 days. During that time they allowed a charge to be processed with with no available credit resulting in over the limit fee and finance charges. I had a day on my cc recently where I made payments within 24 hrs. They were not posted immediately. My balance on my cc was {$83.00} XXXX the next day {$460.00}. I woke up this morning to a negative checking account balance because their system has significant delays and gives erroneous balance information.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

As stated in a previous complaint against BAM Trading services, XXXX XXXX  XXXX. My account was locked on what has been confirmed by my bank as not an action that they had initiated. Moving forward my account was locked without reasoning. at the time of this lock I had {$950.00} in USD and a little under {$12000.00} in cryptocurrency that would fluctuate between $ XXXX depending on the trend. I tried for about 60 days to get unlocked sending 2 videos as per the request of Binance.US and sent my bank statement twice. That was my first visit to the XXXX website where I launched my first complaint. They answered rather quickly and made it seem like they would actually take some action. They finally responded to a message. Then right when the wait period before the complaint was closed had expired, they stopped answering. again. So about a week later I read online that I should try to SELL my assets instead of trade them. This worked. OF course this cost me about {$50.00} and I sold it at a low of {$10000.00}. I was okay with it because I would rather be in USD than a volatile coin. This is when the unthinkable happens and my {$950.00} that was in USD previous to my selling the coins I had was deleted from my account and all that remained was the {$10000.00}. Still no contact, still cant withdraw, still filling out complaints that seem to go nowhere. Binance will acknowledge in public eye, but then continue the suspect/criminal activity as soon as they get the opportunity. Since then I have written the CEO 's and other C-Level employees and continue to get ignored. False promises by them and XXXX. These companies are criminal organizations and need to be fined and sanctioned. They are ruining peoples lives and thumbing there nose at the customers that lined the pockets of their CEOs.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

My bank account at Wells Fargo was hacked 3 months ago and {$1300.00} was stolen. I immediately called the bank told them this was fraud and they gave me a new card and disputed the charges. 91 days later on XX/XX/2020 Wells Fargo took the {$1300.00} back out of my account saying they didnt believe it was fraud because the money taken out was associated with a XXXX account with my name on it. I dont have a XXXX  account so that evidence can not legitimate and they refuse to look at evidence that these charges were not me
Consumer complaint received 2020-09-08
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. (GA)

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IA)

In XXXX XXXX XXXX I received my first debt collection notice from the company ERC ( original creditor being XXXX ) dated XX/XX/2021 with my UPDATED XXXX, IA address at that address location. I contacted ERC on XX/XX/2021 disputing the collection in question and requesting validation of the debt, at this time the company advised me they had an old XXXX XXXX, IA address on file so I gave them the updated XXXX, IA address that they had mailed the collection notice to. 

On XX/XX/2021 I called ERC again to check on the validation request, I was again advised they only had my old XXXX XXXX, IA address and I again advised of the XXXX, IA address. I was also advised that they had not received anything from XXXX at that time in regards to the validation of the debt. 

I followed up again with ERC on XX/XX/2021 twice due to the first representative disconnecting my call, and both representatives still only had my old XXXX XXXX, IA address. I was advised that they had still not received from XXXX not sent me validation of the debt in question. Since it was now passed 30  days from my initial dispute/request and they failed to provide validation I requested the debt be removed/closed. After escalation I was transferred to speak with the " Office of the President '' of ERC but received their voicemail. I left a message and when I heard nothing back a few days later I called the " Office of the President '' again complained about the call center not being able to update my address and that I wanted this debt closed since they could not provide me proof/validation. I was told I would need to speak with XXXX about having the debt closed and why they were failing to provide validation. 

On XX/XX/2021 after receiving nothing from either company since XXXX 's discussions I contacted XXXX. I explained the situation and was just advised that I would need to contact ERC and work with them only. I called ERC on XX/XX/2021 and was advised they still only had my XXXX XXXX, IA address and that they did try to send me the validation in XXXX, but I never received anything from either company, I am speculating it would have been sent to the bad address they could not seem to change/update. 

I do want to add that this company, ERC kept advising me that they are not a collection agency and therefor couldn't close the debt. I find this hard to believe since their disclosure on the phone and on their Collection notice letter states " This is a debt collector attempting to collect a debt... ''
Consumer complaint received 2020-09-08
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. (GA)

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I had file a claim on XX/XX/2021 when I found out there were unauthorized charge on my account with Wells Fargo bank. Wells fargo bank representative told me there was XXXX transactions total of {$29000.00} that I report unknown charge to me and because it was a high amount of money they need to investigate and notify me within XXXX days. On XX/XX/2021 I decided to call Wells Fargo bank to find out the result of my claim because no response since after XXXX  days then I was told my claim was denied base on their investigation and decision was final. I ask for explanation and documentation and ways to appeal. But I was told decision was final no way to appeal and I have to solve this matter my self outside of the bank on my own. My money is gone from my checking account with Wells Fargo bank. Please help!
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I already have a complaint open on this, HOWEVER, " XXXX XXXX AVP, Resolution Specialist Regulatory Complaints XXXX Bank of America  XXXX, extension XXXX Case number : XXXX " had reached out to me on " XXXX XXXX, 2021, XXXX AM '', in which I had did what her email instructed " XXXX XXXX, Thank you for contacting the Regulatory Complaints Department of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 



I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021 to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX 



Please note that we will be responding to your concerns via a secured email. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours.

This communication is for informational purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. '' I have called MANY TIMES, TOO many times, at this point. I DID call BEFORE the instructed date in XXXX 's email, no answer, so I left a voicemail. 
I ALSO emailed to let her know that I called, and I had a couple of questions in my email. 
NO RESPONSE. No call back from XXXX XXXX, and no email back from her, or anyone else. I have called 5 - 6 times at this point, no returned call, and I emailed after every call, no returned emails. 
it is extremely clear, that I am being neglected and ignored, and this person nor company does NOT care to solve this issue ... ... ... ... 

I have all of the emails I have been sending back to XXXX XXXX, to show that I have been attempting to reach out. And I have started recording my calls to show that I AM calling and leaving voicemails ... ...