davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (MD)

I opened an account with Truist to participate in the bonus that they are currently offering. I completed the 1 qualifying direct deposit of {$500.00} and I made 15 debit card transactions to find out that I wasnt even in enroll In the program. I had to go back to the branch to figure out what happened because I personally handed the Lady the paper I printed out online so it wouldnt be any confusion. I go into the bank for the manager to confirm with the lady that open my account she didnt even fill out the form along with entering in the code XXXX The store manager had to apologize and she filled out the paperwork Wednesday XX/XX/XXXX, When in fact I open my account XX/XX/year>. Every representative that I called prior to coming into the bank, and I called several times and everyone I talked to were all bilingual and seems to not understand what I was trying to say, keep me on hold for over 15mins and never came back to the phone. Overall the company is bad for business. Play way too many games. I log into my account today XX/XX/XXXX and Im overdrawn!!! Why? And how?? If I dont have the money why allow this transaction to go through?????. Im with XXXX XXXX & XXXX XXXX and I never had my account overdraw. I regret wasting my time and my gas running around trying to seek help. This has been a nightmare. Its like no one has any compassion or empathy to what I have gone through and its sad. Please Dispute justanswer payment of {$46.00} and honor my {$400.00} bonus either way it is what is is at this point i feel I was SCAMMED
Consumer complaint received 2022-11-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CO)

I am here submitting a complaint against 'Marcus by Goldman Sachs XXXX in potential fraud that it attempted to perpetrate against me ( and my XXXX brothers who received the same mailing ) with regards to benefits purported to be available and owed to us as a result of my father 's death. I am a grieving widow and daughter -- having lost both my father and my husband in the same XXXX XXXX XXXX in XX/XX/2022. A few days ago my self and my two brothers each received a XXXX priority mailing from Goldman Sachs Bank. Although the material purported to be sent to me as a " named beneficiary for a deposit account '', the name of the deceased was not included in the paperwork nor was there any specific information included about said account. The lengthy document did however include requests for a substantial amount of personal information, with the mailing also including a pre-paid envelop -- all very official appearing. Several calls placed to Goldman Sachs in order to verify the mailing were met with obfuscation ( in one instance ) and finally ( in a second call ) a concession that my father 's Goldman Sachs account had been closed and, for some reason, still held {$3.00}. 

I want to know from Goldman Sachs : Why did they contact us if my father 's account was already closed? Further, I want Goldman Sachs to explain why the following personal information was demanded of me in its mailing to me as a supposed beneficiary of an account ( which was in fact not the case since the account was closed ) : -- My father 's death certificate -- My completed XXXX including my social security number -- My date of birth, address, and full legal name -- A notarized copy of my state/US government identity card -- Verification of my willingness to undergo a background check In addition to my receiving a XXXX share of {$3.00}, what use did Goldman Sachs have planned for my personal information? And finally, I want Goldman Sachs to provide a response to how it planned to safeguard my personal information? I am astonished, quite frankly, by the blatant attempt by an apparently legitimate company ( Goldman Sachs ) to extract my personal information and that of my deceased father. I can't help but suspect that Goldman Sachs is engaged in data harvesting, which could leave me vulnerable to identity theft. In submitting this complaint, I want to force Goldman Sachs to explain itself in order to safeguard other vulnerable Americans. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NY)

KeyBank froze my accounts on XX/XX/year> and never gave me an explanation why. This includes checking account, money market account, credit card, a commercial line of credit and online access to all of them. 

I have been in contact with the branch manager, and all the response I got ( verbally only, never anything in writing or email ) is that the case is being investigated by " Corporate ''.

This is causing me a long list of financial problems and hardship, as this was my main bank to conduct several real estate business initiatives; including rentals, mortgages, rehabilitation projects, utilities, etc. 

Other than branch representative I have tried contacting their customer service representatives, their fraud department hotline, etc. and nobody can answer. 

On top of that, they are assessing me a late payment fee for non-payment of interests on my commercial line of credit, when I can not make any payments since it is frozen. 

It has been over a month of this now, and they are not even answering my emails or phone calls anymore.
Consumer complaint received 2021-10-15
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. (TN)

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$690.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00} This is a formal complaint against all three credit bureaus, XXXX, XXXX, and Equifax. I have tried to resolve this by sending a dispute letter to the three bureaus and directly to the third-party collector and creditors but until now I couldn't get a proper resolution to this problem. I was asking for validation of these two accounts to make sure they are both reporting the account 100 % accurately in my credit report because I do see that they are reporting these two accounts inconsistently in all three bureaus. As a result, my score has been affected negatively. Months have passed and I still see the inaccurate reporting of this account. The date of last activity and the date open for instance.. They are are ll reporting on a separate which is very confusing.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (FL)

In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all 3 of my credit reports. 2 of the alerts expired in XXXX of XXXX and one expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called XXXX this morning because I received an email from XXXX of my creditors that XXXX mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called XXXX and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how XXXX and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. XXXX also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2016-12-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ORG GC GP BUYER, LLC (FL)

The following company : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.
Consumer complaint received 2020-07-16
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: FC HoldCo LLC (FL)

XX/XX/XXXX inaccurate late payment I am disputing the delinquency reported by Flagship Credit due to covid my job closed down I reach out to them for assistance according to the Cares act during the Covid 19 if you get relief assistance from your creditor they are not to report late payments only report active accounts they reported me 30 days late they did not notify me of this I think this unfair and without warrant do the pandemic this shut down was not my fault I ask that this late report be removed from my credit report.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

Absolutely ricicluous that Chase keeps denying me a line of credit when I have an avg XXXX XXXX XXXX, and all other factors that determine a perfect candidate ( revolving credit, usage, etc. ) with the XXXX major credit reporting bureaus. I have legally consulted proof that are a issues result of identity theft and that Chase is in error with their repeated denial on any basis. Last Chase open card 2017. But repeatedly denied on an incorrect basis, saying that I opened a card and received a promotion with XXXX  months. Please note all communication with Chase, Chase Lending, Chase Escalations has been documented. We hope Chase wil respond and rectify the matter in good faith to prevent legal action.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I paid off my vehicle on XX/XX/XXXX. A few weeks later, i called to check on the status of my title and was told that the eletronic lien release was sent to the state of XXXX  on XX/XX/XXXX and it takes XX/XX/XXXX hours. State of XXXX  still has not gotten any information about the lien release. i called Bank of America today but they refused to give me any information because they could not verify me over the phone. the only options they gave me to verify was 1 ) to receive a link to use the mobile app to verify my identity, which i do not have online access to BoA anymore since my loan was paid in full and closed, they removed my online access or 2 ) go into a branch. the closest branch to me currently is about 2 hours away.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

The issue I am facing is a refund of the GAP insurance for a vehicle that was paid off on XX/XX/year> to XXXX XXXX - Finance Manager, and he insured me all would be taken care of at that point I was told it would take 6 to 8 weeks which I understand nothing moves fast if money is owed, I spoke to XXXX XXXX the Manager in charge of Finance and he told me that they are holding my money so the lender can pull it and release it to me, thus not paying me twice for something which is understandable, however when I contact the Lender they tell me they have nothing to do with the GAP since it was through XXXX and not directly from them. Therefore, I would like to get closure on receiving a refund in a timely manner.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Calling into capitol one phone number listed on back of card for a fraudulent charge question I could not speak to a live agent without disclosing income and social security number to automated system. In addition they asked about alimony, child support and loan amounts which were not relevant to my account. I have no loans, children or ex-wives. 

No direct lines or last names provided by live agent once you get through. 

I filed a complaint and received case number only when I pushed agent, XXXX -Fraud and dispute manager, to do so.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NY)

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of 11 derogatory remarks on XXXX, XXXX and XXXX. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed XXXX violations. 

The account with XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ).

After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 

15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be the original and current creditor,