davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/year> I was locked out of my Truist Bank checking account, both online and the mobile app. It was after hours and I had to wait until the next day to call the bank. When I called, I was transferred to the fraud department. I was told my account was set to be closed due to confirmed fraud. When I asked what fraud and who confirmed fraud, they said the investigator did not provide a reason. I went to the local branch on XXXX XXXX in XXXX XXXX and spoke with the senior banker there. She called the fraud department and was told the same thing I was. However, this person in the fraud department said I could submit documentation, saying she didn't have anything specific I would need to submit, to verify my identification and they would do a second investigation. I was told I could not open another account. I still had money in this closed account for which I could not access and I get direct deposited my pay from 2 jobs. I had to go home to get the documents, which I provided to the senior banker to fax to the fraud department. I than had to go to a different bank to open a new bank account so I could get my pay direct deposted. After opening the new account, I received a phone call from the senior banker who told me they weren't doing a second investigation and that the decision would stand. I would have to wait for a letter that was supposed to explain the reason for the closure. I received that letter and all it said was that it was closed due to suspicious activity on my account. I don't know what they are talking about. All I do is get my pay from 2 jobs direct deposted into the account, pay billed and make purchases such as food. I had opened this account online because of a promotion the bank had where if you spent a certain amount of money with the debit card within a specific timeframe, they would deposit {$400.00} into the account. I met the requirements and got the {$400.00}. Then all of a sudden my account was closed without any prior notice. Two credit card payments were returned and I can not get my pay because my employer had already submitted payment to the bank. So now I have no money and have to wait until my pay is returned back to my employer so they can re-direct deposit it into my new account, which will take days. There was no fraud on my account, I was given no good explanation what this " confirmed fraud '' was, and for the bank to deny a second investigation after being told they could do one after I provided multiple documents to confirm my identiy makes me feel violated and victimized. No good explanation, no money and no paycheck. I was told I have to wait 10 days to get the money that was in my accounts ( I had also just recently opened a savings account at this bank which they also closeed ) in checks. I have NEVER been treated like this by a bank in my life.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (ME)

So Ive had this American Express account for years that I dont really use, just every now and again to keep the account open. I am moving soon and logged into my account to change the billing address this morning to see that my account was marked cancelled. I had not received any warning about this either before or when it happened, just saw it coincidentally today when I went into the app to do something else. I got on a customer service chat, initially just asking them to undo the account cancellation but was told that was impossible and it was recommended that I apply for a new card but I said it wasnt interested in that solution bc it would also put a hit on my credit. Then I asked when the account was closed and was told XX/XX/XXXX. I said that I hadnt been notified of this closure and the person replied that they had emailed me on XX/XX/XXXX ( they later supplied the text of this letter in the chat ). I have a lot of emails so it wouldnt have been impossible for me to have missed that email but when I checked ( all my inboxes including trash and spam ) there was no such email and the most recent email I had from American Express had been from XXXX and about a promotional offer. When I told them this they kept reiterating that the email was sent - which I am not arguing bc I cant prove that it wasnt ; I am merely stating that I did not receive it, nor another they reportedly sent when the account was actually closed. The customer service person reiterated that the email had been sent and there was nothing they could do or anyone I could speak to, but when I mentioned filing a complaint with the CFPB I was put in a chat with the supervisor. This person was also not helpful as they reiterated the same information from the first one. They did, however, add that while they receive undelivered notifications for physical letters, they do not receive the equivalent for emails. I am just frustrated bc I am being told there is no way to rectify the situation, so there is going to be a hit to my credit ( from the closure of an old account ) and while likely not huge, it cant be right that I have to pay the consequences for the closure without having been allowed the opportunity to prevent it.
Consumer complaint received 2016-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CREDIT WORLD SERVICES, INC. (KS)

I had taken out a student from XX/XX/XXXX-XX/XX/XXXX. The due dates according to the contact is on XXXX/XXXX/XXXX. Around this time, the economy was bad and I was barely making a living. The XXXX XXXX association called me that year and told me about my loans being past due. I notified them that I could n't make any payments at the time. The XXXX XXXX association informed me that my interest rate would go up and I will be hit with fines and collections. There was nothing I could do about it, so I let it happen. Then XXXX XXXX XXXX XXXX XXXX representative ), sent the information to collections in XXXX XXXX, XXXX, called Credit World Services. Credit World Services called quite a few times in the past and I told them that I did n't have the funds to pay and to stop calling me. In XXXX, I had finished my bankruptcy and wanted to know if a new terms and conditions would be possible with the XXXX XXXX XXXX. So I contacted XXXX XXXX in XXXX, and she asked me if and when I can make a payment. I let her know that I can only afford {$75.00} and she said that is fine. I asked her about the late fees and interest being reduced and she said it does n't seem like it would be an issue on their end, but she will need to reach out to Credit World Services. Since she could n't call them, she decided to have me reach out to them. I contacted Credit World Services and spoke to a female representative. The representative from Credit World Services stated that he does n't know of any such arrangements and she was concerned about Credit World Services getting paid for their services. The representative told me she would have to contact me later until she heard something from the original account. Months pass and then on XXXX/XXXX/XXXX, I get a summons in the mail to appear in court. I was confused about the entire law suit because no one has decided to contact me back. I contacted XXXX XXXX on XXXX/XXXX/XXXX and she told me that she will have to do more research and get back to me. This seems very similar to our last conversation. 
As I am looking at the law, the statute of limitations has passed on the creditor suing me. It has been way more than 5 years, and it violated the FDCPA and FTC. KS Statue 60-520 XXXX payment or acknowledgment of liability. ( a ) Effect. In any case founded on contract, when any part of the principal or interest shall have been paid, or an acknowledgment of an existing liability, debt or claim, or any promise to pay the same, shall have been made, an action may be brought in such case within the period prescribed for the same, after such payment, acknowledgment or promise ; but such acknowledgment or promise must be in writing, signed by the party to be charged thereby. Also, Statue 60-511 states that a lawsuit must be within 5 years upon the agreement, contract, or promise in writing. 
The Credit World Services and XXXX XXXX XXXX are in violation of these acts and it should be investigated.
Consumer complaint received 2024-10-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

On XX/XX/XXXX, I received a letter from my former apartment complex, XXXX XXXX, indicating that I owed {$940.00} for damages. I called on XX/XX/XXXX, and left a message requesting clarification. On XX/XX/XXXX, I emailed them but received no response. 

On XX/XX/XXXX, I received a letter from Hunter Warfield stating that my account was in collections. I called to request proof of the debt and formally disputed the charges. I subsequently retained a lawyer XXXX XXXX, who reached out to Hunter Warfield in XX/XX/XXXX, but received no response regarding proof of damages. 

Hunter Warfield has failed to timely respond to the debt validation request
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I have been trying to see my credit report for the past 30 days and it has not refreshed even though I pay for this service. 

I spoke to someone a month ago who said they messed up my address and they will fix it for me and I should be able to see my credit report daily with credit score and credit report refreshed daily.

I demand a refund for the past 3 months due to no service. I also demand you fix this immediately and to have my credit score and credit report refreshed daily again. 

I also demand you keep a security freeze and security lock on my account. 

I am the victim of identity theft fraud and I need all the fraudulent accounts most recent XXXX  removed from my credit report. 

Thank you.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CA)

I used to have an American Express credit card, which I closed on XX/XX/year>. It's been 11 years, and this closed account is still showing up on my credit report. I would like the credit card company to remove this record from my credit report. Thank you.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (FL)

On XX/XX/XXXX my daughter had a major XXXX at XXXX XXXX all children 's hospital XXXX XXXX XXXX. My direct deposit that I get on behalf of my daughter was deposited every month between the XXXX - XXXX I got it on XXXX I used XXXXat gift sHop sent her XXXX to her cashapp so she could order online from XXXX. She can't move off bed so all she wanted was to order online. And spent on food in cafeteria. Next day went to use XXXX card declined her card as well declined. So called right away they told me I was in violation but they couldn't tell me nothing more, Told me to call XXXX they sent deposit back to them so I called them XXXX they haven't seen check back had no clue wat I was saying. So finally as of Tuesday I was able to go open another bank account as cashapp still has my account in a negative XXXX XXXX won't tell me anything still appealing my account to open back up from XX/XX/XXXX till XX/XX/XXXX.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the IMEI number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. They have not contacted my credit card companies or banks on my behalf as it states on their website. As a result, my credit card companies have closed my accounts, and my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. 

Citibank was the first card that closed my card. I have never been late on payments until this ordeal. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. After them closing me account, I still make payments even them closing my account. I mean it was quick for them. And little by little I have lost everything I worked so hard to do. And I am the victim here.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (VA)

Over the past 36 months I've requested the update and or removal of the inaccurate information of the account with Westlake Financial in California. I have a certified letter from them stating that my account has been paid in full. When I dispute the inaccurate information showing charge off on my credit file with XXXX, XXXX and XXXX there has not been any change. My concern is that my interest rate and the ability to buy a new car has been impacted due to this company 's inaccurate reporting on my personal and private credit profile with all three major credit bureaus.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (CT)

I am writing in desperation regarding an issue that has been dragging on for about XXXX years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me. I originally disputed these accounts several years ago and requested a response in writingyet, I never received XXXX. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about XXXX months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point. Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore. 

I am writing in desperation regarding an issue that has been dragging on for about XXXX years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me. I originally disputed these accounts several years ago and requested a response in writingyet, I never received XXXX. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about XXXX months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point. Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX v. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting. If these errors are not corrected within the next 15 days, I will have no choice but to invoice you for damages of {$1000.00} due to your continued failure to comply with the FCRA. 

" SEE ATTACHED DISPUTES ''