davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP (MN)

My interaction with the financial institution 's banker ( via call center ) was over the telephone. 

I asked the financial institution how to stop the upcoming auto renewal of my upcoming XXXX {$5000.00} CD maturity that is accruing interest at 0.05 % per annum and that enters the renewal period on XXXX XX/XX/XXXX with a XXXX grace period. 

I forgot to cancel the auto-renewal on XXXX XX/XX/XXXX during the grace period. My promotional rate was 4.50 % and I earned ~ {$97.00} of accrued interest. Thus, the {$5000.00} CD plus the accrued interest of {$97.00} equaled the new balance of {$5000.00}. 

At the time of opening the original CD, I understood that the CD would renew at the then " current market rate ''. However, I had no clue or suspicion that the then current market rate would be as low as 0.05 % per annum - considering competitive market place and current rates of interest being offered by other financial institutions. The disclosures were inadequate, ill-placed, and not numerically informative. 

I stated that I would be traveling out of the country during the entire renewal period and I requested that it not renew. The online banker told me to set a reminder as there is no way to cancel the auto renewal until maturity and throughout the grace period. 

I then asked what the early withdrawal penalty would be based an early withdrawal of XXXX XXXX. XXXX. I asked what it would be on XXXX XX/XX/XXXX since I would still be in the country. I was told that the penalty could not be computed more than 30 days out. After I stated that would have been good information to have had, I asked to assume that the cancellation would today, XXXX XX/XX/XXXX. He computed that the early withdrawal period would be ~ {$74.00}.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

My credit card application with Synchrony Bank ( Website : XXXX XXXX XXXX  ) was denied with no explanation. Called Synchrony and the first rep said it was denied because I also had a credit card application pending with Synchronicity for a different retailer ( XXXX XXXX ), and they could help fix that if I went back to the store and had them re-input the application. 

Went to Lowe 's store and they re-input the application- which wad denied again by Synchronicity, no explanation. 

Called Synchrony again and spoke to supervisor, who could not explain why it was denied. I explained to the supervisor that have perfect credit - XXXX XXXXXXXX, own my home, virtually no debt at all, never bankrupt or defaulted on a loan, never made a late payment, net worth close to {>= $1,000,000} - and asked what to do. She said there's nothing that can be done. I asked if it was because of the XXXX XXXX application, which is still pending, and she said again that she didn't know why it was denied and could not help. - the supervisor claimed the system auto-denied my application for unknown reasons.

So, Synchrony Bank : 1. Improperly denied credit, apparently due to their error. ( application for different retailer pending ) 2. Provided incorrect, intentionally false, and conflicting information to me about the denial and how it could be remedied.

3. Has no complaint process, no appeal process, no remedy for credit denials. 
4. Incorrectly told me to re-apply 4 times, resulting in 4 more credit denials and possible damage to my PERFECT credit rating.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (RI)

I am filing this formal complaint against Equifax for violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Recently, I initiated a legitimate dispute with Equifax to remove all previous addresses from my credit report, except for my current address. My aim was to ensure the accuracy of the information on my report, as required by the FCRA. 

However, Equifax responded to my dispute by refusing to provide me with an updated credit report. This refusal not only violates my rights as a consumer, but also prevents me from accessing critical credit information, which is essential for my personal and professional activities. 

Therefore, I request your intervention to : Require Equifax to immediately correct this issue and provide me with a complete and updated credit report. 
Ensure that Equifax fulfills its legal obligations under the FCRA to prevent further harm to my credit status. 
Please be advised that if this matter is not resolved promptly and appropriately, I will be forced to take additional legal action to protect my rights, including possible litigation. 
I appreciate your timely attention to this matter and look forward to a swift and effective resolution.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2024-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

so there was a shelter located in XXXX at the address of XXXX XXXX XXXX called the XXXX XXXX XXXX and I had used it as a mailing address since I am currently street homeless, But I do definitely feel there was money that was taken out from my account without my consent and whoever took my money out ordered a replacement card as a way of covering up/trying to hide the withdrawal transaction they had made from my first debit card that I did not receive I also say this because there was a lady who said she was from Ohio named XXXX XXXX at the XXXX XXXX XXXX and I also say this because the mail that was there were two pieces of mail and one piece of mail had a Ohio zip code of XXXX with a XXXX XXXX number of XXXX from chase bank saying that the replacement card has been complete which I wasn't from me at all and also another reason I say this is because the lady who was there was asking me for my ssn and name repeatedly which after I came to realization and feel that she was recording my voice audio for impersonation purposes And another reason I say this is because they had told me it was supposed to be sent to XXXX XXXX XXXX XXXX XXXX  XXXX within 5-7 days but that day that they had told me this was XX/XX/XXXX and when I had went to the XXXX XXXX XXXX and another lady there told me that it wasnt any card there for me but then right after the same lady who kept asking me the questions named XXXX had also told me maybe the information on the card got changed and to see if it got changed which had me confused.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (VA)

Dear CFPB, I am lodging a formal complaint against Eastern Account Systems concerning their management of a debt collection account that they have listed on my credit report. 

On XX/XX/2024, I dispatched the enclosed letter to Eastern Account Systems to contest the validity of a debt they have been reporting on my credit profile. The letter was successfully delivered to Eastern Account Systems on Wednesday, XX/XX/2024, as evidenced by the attached USPS Tracking Receipt. 

For your reference, I have provided the account number and tracking number below, along with the delivery confirmation : Eastern Account Systems Account : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Tracking Number : XXXX Delivery Confirmation : Delivered to individual at XXXX XXXX  on Wednesday, XX/XX/2024 Despite my request for validation of the debt, Eastern Account Systems has not responded as of today, Thursday, XX/XX/2024, constituting a violation of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I have settled the debt directly with XXXX, the original creditor, and no longer carry any outstanding balance, as confirmed by the attached receipts and payment confirmation. 

However, despite the debt being fully resolved and a {$0.00} balance with the original creditor, Eastern Account Systems persists in reporting this debt on my credit report, as evidenced by the attached XXXX credit report. This erroneous reporting represents another violation of the FDCPA. Such inaccurate reporting is adversely affecting my credit score and causing unwarranted stress and inconvenience.
Consumer complaint received 2024-02-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (OK)

On XX/XX/2024, I filed for a Discover personal loan in the amount of {$8300.00}. On XX/XX/2024, I called XXXX after rereading the Discover notification email. Despite submitting three months of bank statements, the customer representative commented that someone had marked I had not. After twenty minutes, he stated that the application could not be processed anyway without a copy of my social security card. Since my social security card was in my safety deposit box, this was not possible. If only someone had informed me before the safety deposit box location closed for the night, I could have done something. 

Why do I receive Discover personal loans mail solicitations that fail to mention I need a photograph of my social security card for the application process? Why did Discover accept my application without a necessary ID document? Why was my application marked as not having bank statements instead of a picture of my social security card? Why is there no alternative document for a picture of my social security card? Why would a W2 not be acceptable?
Consumer complaint received 2024-02-20
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Clarification Account Information Inconsistency Dear XXXX, XXXX XXXX XXXX XXXX I am writing to formally dispute and seek clarification regarding the CCS COLLECTIONS account, as reported on my credit reports from your bureau and others. I believe there are inconsistencies and incomplete information related to this account. 
Account Information : Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  Account Type : XXXX  Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Date Opened : XX/XX/XXXX  Balance : {$170.00} High Credit : {$170.00} Payment Status : Unpaid Date Last Active : XX/XX/XXXX  However, critical details are missing or inconsistently reported : Account Status : Not provided. 
Monthly Payment : Not provided. 
No. of Months ( terms ) : Not provided. 
Credit Limit : Not provided.

Past Due : Not provided.

Last Reported : Not provided.

Date of Last Payment : Not provided.

Comments : Not provided. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and complete information on my credit report. The discrepancies mentioned above prevent me from understanding the full picture of this account. Therefore, I kindly request that you investigate and provide clarification on the missing or inconsistent details. 
I also request that you provide evidence of the debt 's validity, including but not limited to : A complete account history, including the date of the last payment. 
Documentation validating the balance owed. 
Proof of any contractual agreement that authorizes the collection activity. 
Furthermore, I request that this investigation be conducted in compliance with the FCRA guidelines, and the results be reported back to me in writing within the stipulated time frame. 
Thank you for your prompt attention to this matter. I expect your bureau to conduct a thorough investigation and provide a comprehensive response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

Arrived in XXXX XXXX this past month, was going to the ATM and was confronted by XXXX armed individuals. They forced me at XXXX point to give them my wallet and phone, basically everything with me. They then had me take them to my XXXX where they held me XXXX that week while they emptied my bank account. Once I arrived back to the XXXX, I reported everything to my banks/credit companies. Every company felt sorrow and compassion for me and was able to get reimburse for the lost money. Only XXXX company denied my claim which was Citi Bank. Its basically saying I should have not given them my pin and die over this. I feel like they dont care what even happened honestly. I feel like my life would cost more but they didnt. They denied the claim so quickly I was shocked. It was really disappointing and frustrating that I almost die and my own bank I use doesnt even care.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Ive got the two letters from Wells Fargo bank says they decided to close my multiple checking accounts. I contacted the branch manager right away and he said he didnt know why. He said he got the email to close my two safety boxes only and didnt hear about the checking account also closed. Ive asking him to find reason for me and I hope this just a mistake. But he called me back saying this is the bank decision and they wont give him anymore information about why make that decision. He knows as much as I do. Then he told me to call the office myself to find out and maybe they will tell me directly and I did but they told me the bank decided dont want to do the business!. She didnt finished the full sentence. I asking again what do you mean about that? Is the bank dont want to do business with me or dont want to do business with this kind of the account or the bank dont want to do business account anymore? She didnt answer me just said thats all she can tell me. After a week I received another two letters about to close two safety boxes
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of an inaccurate Chapter XXXX bankruptcy record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections (UT)

Starting last year, I was receiving phone calls and text messages from " Bonneville '' in all honestly, I thought this was a scam because unfortunately, there are many out there. After a few months, I started receiving voice messages and text messages from this company stating they were calling from " bonneville collections. '' According to the FDCPA/CFPB debt collectors are only permitted to leave " limited-content messages '' on voicemails. Which is quoted as " a business name for the debt collector that doesn't indicate that the debt collector is in the debt collection business. '' This really solidified my position as this company must be a scam because they should not be stating collections in their voicemails or text messages. After receiving some paperwork from an attorney I found out who they were collecting for and realized I thought this bill was paid through my insurance, evidently it wasn't. I gave the attorney a call and let them know I'm willing to pay for the amount that was owed, and their collection costs of {$77.00}, however due to their violations I am not willing to pay the remainder. The representative informed me they would still pursue the judgement on the attorney fees even though I have made them aware of their violations. They were not interested on investigating this further, and just kept telling me I may want to investigate further. On the chance I was incorrect, as we all are at times, I did review the FDCPA laws, and it still concludes on voice mails debt companies should only be leaving limited-content messages. I reviewed my voice mails to, and I do have the recordings of the representative stating " collections. ''
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for Navient to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

NAVIENT - XXXX NAVIENT - XXXX Last 4 digit SSN - XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (WA)

Collecttech is trying to collect money that I dont owe them. 
They are refusing to answer on my emails when I asked how much I owe them. 
They have XXXX different debt collection companies in my credit report for the same debt. 

Collectech and Properties receivable ( which is owned by same company ) are currently on my credit report. This is violation. 
This debt was previously reported by XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates (MD)

I do not have a debt with the XXXX XXXX. They called me on XXXX seperate occasions XXXX, XX/XX/XXXX twice, XX/XX/XXXX and XX/XX/XXXX. Then on XXXX/XXXX they called my son, daughter and ex-wife saying they were looking for me becasue of an urgent legal matter. They have not provided any documentation of the debt that they say I owe.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Waypoint Resource Group, LLC (IL)

Both XXXX and Waypoint Resource group are reporting false information on my credit report. According to their records I have a charged off account with charter communications as of XX/XX/2023. I did not have an account with XXXX XXXX at that and have not had an account with the company in quite a while. These two companies have failed to provide me with an itemized list of what these charges they are claiming I owe or for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that charter communications has sold this alleged debt to this company.