davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

While visiting XXXX XXXX on XX/XX/2023 i purchased a tee shirt from a souvenir store, " XXXX XXXX XXXX '' in XXXX  XXXX, XXXX. When we returned home we noticed they charged my account {$10000.00} rather than XXXX XXXX. During this transaction I did not put in a PIN number nor was I asked to sign the receipt transaction. 
( We have never purchased anything this expensive let alone placed that kind of charge on a debit card. We have been with Suntrust which is now Truist for over 12 years now. ) We immediately contacted the Truist Bank that we have our checking and debit account with. They submitted it to their fraud department and after only a day of evaluation sent a form letter stating they found that the amount was authorized and there was nothing they could do. We called the fraud department phone number on that form letter on XX/XX/2023 and after holding for a Claim Supervisor, XXXX, it was explained that since the purchase was made with a chip card it did not require a PIN number or a signature and was automatically authorized by the bank. When I inquired about the banks protocols to catch fraudulent charges such as an exact XXXX dollar charge from a souvenir shop in XXXX XXXX, I was told they did not have the " man power '' to contact individual clients when there seem to be suspicious charges. 
I asked them if there was anything they could do since this was obviously a fraudulent charge and he said there was nothing they could do on their end. He said I would have to reach out to the merchant and get refunded. 
What I realized is that Truist will allow any type of charge to go through on its debit and CC no matter how absurd it appears because they do not have the " man power '' to contact the clients before the funds are withdrawn.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (TX)

I opened a saving account online with US bank XX/XX/XXXX and decide to cancel it today XX/XX/XXXX, I called them and both the agent and her supervisor told me I need to go to a branch to close it. But I opened it online and there is no branch in my area. they suggest I fly to a city with their branch to close the account.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX I used Experian in order to receive my 1 annual free credit score report in order to submit an app to rent an apartment. I did not realize the fine print included signing me up for monthly {$23.00} charge from Experian for some sort of account to monitor my credit. I did not realize this was included in the fine print and have never used this service. I feel the " opt-out '' payment policy is dishonest and intentionally designed to fool customers and is intended to be easy to miss. 

On XX/XX/XXXX I called the Experian customer service line to cancel this account. Before being put through to customer service they attempted to sign me up for yet another service which cost $ XXXX month and I had to sit through an automated pitch. I spoke with a rep named XXXX ( Reference number = XXXX ) who confirmed I cancelled the account over the course of the call with the automated service, but declined my request for a refund. They simply don't offer them. I am bombarded with marketing emails but I have never even logged into this account, perhaps with the exception of the process of acquiring the free credit report, and could not even provide my account information when requested by the automated service. 

The FCRA requires these companies to provide 1 free copy of your credit report every 12 months and I feel the misleading methods they used to take advantage of this annual request and sign me up for an costly account is unfair and unethical and that I am due a refund for all charges from Experian. The membership ID included in the cancellation confirmation email I received = Membership ID # XXXX
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check of XXXX. This check is my regular pay from my employer. The check has been put on hold for 10 days, this is absurd. I have my rent due, I need access to the money within 2 days.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

On XX/XX/XXXX my payment posted and shows complete from my credit union/checking account. However as of today XX/XX/XXXX discover is reporting my balance still as - {$14.00} to each of the 3 major credit bureaus. Initially when I made my credit card payment Discover said they would hold the processing for an additional 8 days without much more explanation so my original payment was made early XXXX. That time has passed for the delayed posting that happened ( after no explanation ) and my payment has been processed and was paid to discover by my credit union. The entire {$110.00} was paid to Discover however they are reflecting my limit as - {$14.00} instead of {$96.00} which is affecting my credit utilization and has a derogatory affect on my credit score which is also affecting my financial wellbeing. Its unlawful for an organization to report inaccurate information to the credit reporting agencies. By Discover reporting my balance as - {$14.00} they are breaking consumer laws in regards to fair and accurate reporting.
Consumer complaint received 2023-12-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

After going to court for my property after XXXX years in XXXX, the court ordered the Mortgage Company SPS, to correct the mortgage on the property, and the interest rate will not exceed over 4 % for the duration of the loan. The deferred payment that SPS has added to my mortgage is not supposed to be there. The judge did not order them to attach that to my mortgage. I was so happy because they were trying to take my property and I have my kids and grandkids and we need a shelter. We needed our home. I did not pay it any attention at that time and when I did, I reached out to the company and I had a Attorney reached out to them But it was so affordable I couldnt pay for an attorney, so I decided to reach out to them on my own and thats what I have done. On XX/XX/XXXX. I reached out to my mortgage company via email. They received the letter and all the attachments but they have not responded as of yet. Now Im reaching out to you for your assistance in this matter. Thank you in advance.
Consumer complaint received 2019-07-23
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. (TN)

I submitted a dispute with Equifax about 2 collections on my credit file which are showing open and without a creditor 's name on the item, only numbers. The agent told me that it was showing closed on their end but a dispute would be submitted. I received an email notification for results completion on XX/XX/XXXX, but it doesnt provide a means to display the results for confirmation XXXX. I have previously been told I must have been accessing the old system. I refreshed my Equifax credit report today, but no changes have been made. I have been adversely affected by the improper reporting.
Consumer complaint received 2023-08-19
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 (AZ)

My XXXX  year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than XXXX weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX XXXX : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : Wells Fargo and XXXX. 
He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ). The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX XXXX on her.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

On XX/XX/2023 XXXX emailed me a notification that dispute results were available. Those results are false and XXXX is knowingly providing false information and reporting unverified information on my report.
Consumer complaint received 2019-11-04
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: EdFinancial Services (MA)

The late remarks started from LATE 120 DAYS and there is no prior late remarks. I believe this is a mistake. 

The Account numbers are : XXXX / XXXX / XXXX
Consumer complaint received 2023-08-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

It was a windstorm damage the insurance company mailed out the check payment to fix the damage my ex-husband who has a restraining order against him not to come to the property, somehow find ways to get the check and cashed the check with bank of America, that check have both our names on it. And damage is still not yet fix. It's been a year I still not able to recovery the checks.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CFAM Financial Services, LLC (OH)

I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to XXXX and the XXXX scoring system. Even though XXXX XXXX sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on XXXX XXXX side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks
Consumer complaint received 2023-08-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Equifax have received my identity theft complaint ( XXXX ) on XX/XX/2023 via this portal and have refused to follow the FCRA procedures to block and delete or respond to me the consumer according to the timeline prescribed by the Bureau ( 15 USC 1681c2 ). Instead they are responding to me and telling me that my time sensitive complaint would take ( 60 ) sixty days for a response. This is unacceptable and is in direct violation to my federally protected rights under the FCRA. Equifaxs failure to respond in a timely manner and continues reporting information with actual knowledge of error ( 15 USC 1681s-2 ( A ) ) has caused me great financial distress and they are therefore liable to me pursuant to 15 USC 1681n and o. 

Refer to CFPB Complaint # XXXX for timeline and Responses.
Consumer complaint received 2023-08-15
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. (MD)

After receiving notification from all 3 consumer reports l, I have found after great measure, Equifax continues to report inaccuracies. VIOLATING my FCRA rights under U.S.C 1681 g. I submitted on XX/XX/2023 a formal inquiry on the accounts listed below in this document. I requested an investigation for any incorrect information be investigated, if found inaccurate or unfounded to be removed from my Consumer reports within receipt of completed investigation of 30 days.Furthermore I have requested online investigations via Equifax dispute center and have received no response of accurate information in the past 60 days. Equifax has returned updated, and validated responses in the past 7 months, and continues to report adverse inaccurate information on the following accounts : XXXX  acct # -Date of last activity incorrect, does not match all 3 XXXX XXXX -Close Date incorrect, does not match all XXXX XXXX XXXX  -Payment history does not match all XXXX XXXX XXXX  XXXX account # -High balance inaccurate, does not match all XXXX XXXX XXXX -Date of last activity incorrect, does not match all XXXX XXXX XXXX  -Close Date incorrect, does not match all XXXX XXXX XXXX  -Payment history does not match all XXXX XXXX XXXX -incorrect credit limit, does not match all XXXX XXXX XXXX account XXXX -High balance inaccurate, does not match all XXXX XXXX XXXX -Date of last activity incorrect, does not match all XXXX XXXX XXXX -Payment history does not match all XXXX XXXX XXXX XXXX account -Date of last activity incorrect, does not match all XXXX XXXX XXXX  -Close Date incorrect, does not match all XXXX XXXX XXXX -Payment history does not match all XXXX XXXXXXXX XXXX  XXXX balance does not match all XXXX XXXX XXXX  Bankruptcy that can not be validated a copy from XXXX XXXX states the bankruptcy can not be validated and a copy from Maryland bankruptcy court stated the court does not report to consumer reporting agencies. These accounts are not reporting accurately. I did not give equifax to exclusively report this information. Therefore these accounts are violating my FCRA rights under U.S.C. 15 1681g I am demanding they be removed immediately
Consumer complaint received 2023-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account XXXX XXXX, has violated my rights. This company continues to report a 30 day late payment to XX/XX/XXXX from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2023-08-14
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: AMERICAN EXPRESS COMPANY (GA)

Upon reviewing my credit report, I was alarmed to discover that American Express has reported a charge-off status for an account that I have had with them. This unexpected charge-off has significantly impacted my credit score and overall creditworthiness. I believe this situation to be inaccurate and potentially damaging to my financial standing.

In addition to the charge-off reporting, I have also been served with legal documents indicating that a civil case has been filed against me by American Express . 

The reporting started on XX/XX/XXXX. The last reporting was XX/XX/XXXX. The amount is for XXXX dollars. The civil case filing was on XX/XX/XXXX.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC (GA)

I was taken by surprise upon receiving this communication, as I have no prior knowledge of any outstanding debt involving Cavalry Portfolio Services. The letter I received states that there is a debt in my name and provides some details, but I am uncertain about the validity and accuracy of this claim. The original creditor is XXXX. 

They were reporting this on my credit reports in the past but they took it off. They are still contacting me through mail. It started in XX/XX/XXXX. The last letter was sent to me on XX/XX/XXXX. The account is XXXX. It's to my belief that it has been credited to them as a loss to the IRS.
Consumer complaint received 2023-08-14
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: CITIBANK, N.A. (MD)

On XX/XX/, I made a purchase at XXXX with my Citi DoubleCash card. The card terminal stated that my purchase was {$28.00} and I swiped my card and left. When I checked my email, I saw that Citi had redeemed XXXX of my ThankYou points on the purchase without my consent. I was never prompted to use them at any point during my purchase. These points have a worse value when applied to a purchase at a store than when theyre redeemed for cash back ( i.e. I received a {$10.00} discount off my XXXX purchase but I could have redeemed them for {$12.00} cash back ). Citi is not abiding by the terms of their cashback program and many other customers online have complained about similar practices. Theyre using customers cash back rewards without the customers consent to save themselves money.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (NH)

Kikoff, gave me credit and didn't tell me in writing that I owed them money. They never told me I owed payments to them at all. They are totally deceptive have have fraudulent business practices. How could I pay them if they didn't send me a bill. I want the delinquent account from Kickoff taken off my credit report. I've paid my credit cards on time or in advance. 
Please don't let this corrupt business harm me and other Americans. We deserve fair businesses. And, Kikoff is not fair. There fraudulent and totally unjust.
Consumer complaint received 2023-08-14
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: Spring Oaks Capital, LLC (NY)

According to XXXX XXXX XXXX, SPRING OAKS CAPITAL LLC is not licensed to perform any debt collection of any kind in the State of New York ( see attachment ). At this point SPRING OAKS CAPITAL LLC is in violation of 15 U.S.C. 1692e - False or misleading representations. Also SPRING OAKS CAPITAL LLC and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.