davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CULLEN/FROST BANKERS, INC. (TX)

The XXXX XXXX XXXX XXXX typically takes XXXX hours or less to get approved. The XXXX XXXX XXXX XXXX is designed to provide quick turnaround times for small business owners. The XXXX XXXX XXXX XXXX offers loan amounts up to {$350000.00} with terms up to 7 years. The XXXX XXXX XXXX XXXX also offers competitive interest rates and fees. 

I was told Frost Bank Had no accelerated or XXXX XXXX  options For start ups for XXXX  By Bank Loan Officer XXXX XXXX but, They Do verified by XXXX XXXX XXXX bank Executive. have XXXX and accelerated options for veterans. felt XXXX like wants to deter me from applying for XXXX XXXX.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section a credit issuer can not furnish an account without my written directions under 15 USCS 1666b a creditor may not treat a payment on a credit under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I argued with a teller on Saturday XXXX/XXXX/2016. I went in to pay my mortgage for XX/XX/XXXX. They received a check for {$2800.00} but they dated my receipt for the dat of Monday XXXX/XXXX/2016. I understand that it may not post until Monday but I argued that the date on my receipt should be Saturday XXXX/XXXX/2016. They told me the reason was there is no banking on Saturday, yet they were open and received my funds that day. I think this is wrong and illegal. If they take a payment on a date that is the date the receipt should say. There may be no trading on Saturday but there is banking or I would not have been able to go in and pay this mortgage payment. If I went in to cash a check on XXXX/XXXX/2016 and dated the check for XXXX/XXXX/2016 they would not have cashed the check. What is the difference? Because they are a big bank they should not be able to make their own rules. I say this is illegal.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NY)

RE : Complaint Regarding Improper Handling of Disputes and Erroneous Account Closure - Apple Card Issued by Goldman Sachs To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau regarding the handling of my Apple Credit Card account, issued by Goldman Sachs. I believe my account has been improperly managed, leading to an unjust account closure, despite my compliance and good faith efforts to address unauthorized charges. 
On XX/XX/year>, I spoke with XXXX, a supervisor in the Apple Fraud Department. During our conversation, he admitted that several disputes, not only mine but also other cardholders ', have been mishandled. I have experienced repeated unauthorized charges that Goldman Sachs failed to prevent, despite my numerous attempts to dispute them and my consistent updating of my credit card details. Specifically, one merchant continued to charge {$10.00} per month for over a year and a half, even though I had unsubscribed from their services. Despite changing my credit card information more than six times, these charges persisted. 
Additionally, Goldman Sachs permitted other fraudulent and unauthorized transactions to proceed, despite my multiple disputes and documented history of identity theft. This year alone, I have been exposed to numerous data breaches, further complicating my situation. Despite these facts, Goldman Sachs failed to take adequate protective measures to prevent unauthorized charges and subsequently decided to close my account, which I believe was done in error. The closure was not due to any actions on my part but rather due to Goldman Sachs 's reluctance to address the ongoing fraudulent charges properly. 
The decision to close my account has not only caused me significant distress but also led to the reversal of valid charges for services I use, such as certain Apple subscriptions. As a result, I have been unable to access these subscriptions, causing further disruption. 
I wish to state unequivocally that I never requested the closure of my account. Goldman Sachs decision to close my account was made without my consent and has caused me financial hardship. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am entitled to protections against unauthorized charges and proper handling of disputes. The failure to address these disputes and the decision to close my account without valid justification constitutes a violation of my rights as a consumer. 
I have never been late on payments and understand the value of my banking relationship with Goldman Sachs. My current card balance is {$1700.00}, with a {$0.00} available balance. My next payment of {$110.00} is scheduled for XX/XX/year>, which covers the XXXX balance, and I am committed to maintaining my payment obligations as always.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (MD)

I opened a M & T bank MyChoice Plus Checking ( Account Number XXXX ) on XX/XX/year> using the promo code XXXX that I received from them. The promo code XXXX was for a {$500.00} sing-up bonus when the requirement is met. The requirement for the {$500.00} bonus was to receive a direct deposit of {$1000.00} or more within 90 days of account opening. 

I received a direct deposit of {$1000.00} from my employer XXXX XXXX University on XX/XX/year>, and thus met the requirement for the bonus. 

However, they have not provided me the {$500.00} bonus as advertised. When I contacted them via secure message, they response was that The promotion stated that offers may vary by region and may not be available in all regions. My research showed that the promotion is only available to individuals living in the XXXX XXXX XXXX. As a result, you do not qualify for this cash bonus. I apologize for the misunderstanding.. and they denied to pay the {$500.00} bonus to me. 

I am not satisfied with this. If they claim the promo is only available for individuals living in the XXXX XXXX XXXX, they why did they send the promo advertisement to me and accepted my application using the promo? If they claim that the promo is available only for those in the XXXX XXXX XXXX, they should not have sent to me the advertisement with the promo code and should not have accepted my application using the promo. Since they sent me the advertisement with the promo code and accepted my application using the promo, they should honor me the {$500.00} bonus. 


I request them to provide me the {$500.00} bonus as advertised.
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC. (OH)

The site mentioned I was preapproved to make changes to my original loan. I preceded to apply to takeout an additional {$10000.00} ( consolidation ) to payoff larger interest accounts. The process online was very confusing and as soon as I realized it was to pay off the balance of my original account. I notified the company immediately by chat to correct the issue. I also sent an email and was told there's nothing I can do. Charging me for processing the loan and all, raised my payments on the loan I was paying on and increased my balance and interest rate immensely. With paying off my other credit card debt I would have no problem with the increase but with the increase and still having the other debts it's going to be hard to make the higher payments. The information was very deceptive and not being able to correct it less than an hour after I applied is ruthless. 

Please look into this and let me know what options I have. 

Thank you, XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MN)

Was insured through XXXX, govt into an accident where the other driver started slowing down then decided to run a red light while I was making a left hand turn. The other driver hit me and there was no damage to my vehicle only theirs.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

The first one is with an alarm company that my husband included in his bankruptcy. So now the put it on my credit as a delinquent account. The other one is with a mortgage company, I paid the account in full XX/XX/XXXX and is till open in my credit report.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/year> I received multiple texts from USAA stating that they suspected fraud on my checking account. I tried to login to my USAA app but my PIN had been changed and I could not login with my password either. I had to reset the password and then the PIN and finally got in the account. I called USAA and was told that the department I need to speak with was not available and that I need to call back. I found out through looking at my account that someone had connected several online companies to my account and I disconnected them all when I saw this. I called USAA again and was told that they were exercising their right to discontinue banking with me due to suspected fraud. I asked what kind of fraud and was told that because I deposited one check and moved the money to another account of mine that it looked like fraud. This is something I have done before and I do not understand how this is fraud. My VA XXXX payment is direct deposited into this account and was told they will close the account within 90 days and then mail me any funds in the account. I depend on my XXXX payment to take care of my kids and pay bills. My XXXX was just deposited on XX/XX/year> and I have spoke to multiple departments because they are not legally allowed to withhold any type of VA benefits from a Veteran, yet they still have my money in this account and refuse to let me access it or move it to a different bank. I have called multiple days in a row and repeatedly asked to speak with a manager and have been told a manager will contact me but this is the 3rd day and I have not received a call. I need my VA XXXX payment released to me immediately.
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omnipoint Capital (CA)

Me and my family have been threatened and harassed by Omnipoint Management Solutions LLC. They have repeatedly called or texted me or my XXXX  children. They contacted my ex wife and others that are not associated with me or this fraudulent debt. I called and asked for management and was rudely talked to and was cursed at. I explained I don't know who this account is and that I've been a victim of ID Theft. I forwarded them a copy of the police report and a letter to stop contacting me or my XXXX  children or any relative regarding this fraudulent account and they refused to stop.
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZuntaFi Corp (TN)

I am writing to formally dispute an unauthorized entry on my credit report. I recently reviewed my credit report and noticed that an account ( or inquiry ) was listed that I did not authorize. The details of the disputed entry are as follows : ZuntaFi in the amount over {$4000.00} I did not give permission for this account to be opened or for any inquiries to be made in my name. This entry is negatively impacting my credit score and may be the result of identity theft or an error. I request that you investigate this matter immediately and remove any incorrect or unauthorized information. I expect this issue to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ), and I request that the disputed item be removed from my credit report within the statutory 30-day timeframe. 

If further information is needed, I am happy to provide it. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

Hello- Yes I have an account showing as negative on my credit that does not belong to me. I have contacted XXXX  as well as the company itself. I have no knowledge of this account. Whenever I contacted the Creditor, they were unable to provide me with documentation for the amount that they are claiming is mine. {$1800.00}. I pay all of my bill on time.
Consumer complaint received 2024-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc. (NJ)

I work nights, and sleep during the day. I receive multiple calls during the day while I'm trying to sleep. I told the company that this is inconvenient, and to utilize alternative communication methods. They have not ceased the telephone calls. They have also not provided the verification of debt that I requested they provide me.
Consumer complaint received 2024-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I requested Validation of Debt. Disputed inaccurate information on my credit reports through credit agencies. I was sent a credit card statement from an address that doesnt belong to me, in which an account was opened under my name. Showing card usage doesnt account for me opening this account. Debt validation is showing a wet signature, identification linking the account to me in which they havent done. Also this account is reporting open on my credit reports. How is it open if in collections. Therefore any inaccurate information by law under 15 US Code 1692 ( g ) & 15 US 1692 ( c ) under the consumer law is to be removed if misleading and inaccurate.
Consumer complaint received 2024-09-18
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. (IL)

I have continuously disputed the following accounts which occurred due to the XXXX XXXX XXXX. XXXXXXXX XXXX ( not mine/identity theft ), ( XXXX XXXX ( not mine/identity theft ), XXXXXXXX XXXX  ( not mine/identity theft XXXX XXXX XXXX XXXX ( not mine/identity theft ), there are numerous inquiries which I disputed repeatedly and they remain on my credit file. I supplied the FTC Identity Theft Affidavit, Police Report and verified my identity multiple time over three years. XXXX still will not properly investigate the matter and remove the inaccurate negative accounts which occurred due to the XXXX XXXX XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

-- Transunion -- These two illegal collections are fraudulent and they need to be removed off my report. These two accounts are illegal and I've finally hired a credit XXXX to remove these fraudulent items. Please remove these items off my credit report! All of these accounts have been removed off my XXXX report and XXXX report. These are the last XXXX illegal items on my transunion report. Please remove these illegal collections off my report! 

XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$57.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2024
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I XXXX XXXX went to the chase JP Morgan Bank branch that's located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California to open an account because I received a check from my father for {$4000.00} to help with some car payment. 
I in fact was able to open an account that day with a woman named XXXX and she told me that my funds would not be available until XX/XX/XXXX XXXX XXXX XXXX Then I got notification that the funds ended up being available XX/XX/year> a couple of days earlier than expected but this was a check that I had received from my father from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many times before and never had any problems with cashing it or depositing it into my account they said the check was cleared. Everything was fine for the next week. On XX/XX/XXXX we deposited {$500.00} cash at the ATM and we're attempting to pull out the amount of {$2800.00} from the bank account to pay for a new vehicle or a new used vehicle. That would have left {$100.00} in my bank account and as soon as I requested the amount of money they asked me to sit on the couch I had to wait like 20 minutes and then they told me that there was a restriction on my account because of the check that I had deposited that had cleared for my father before that they needed to verify it and they wouldn't really give me much information they gave me a phone number of XXXX XXXX ( option 1 ) So since late afternoon on XX/XX/XXXX up until about the evening of XX/XX/XXXX I've been calling this number XXXX and getting run around and around by either being told to hold and I'm on hold for like an hour and then ask for supervisor and I'm going to hold another 45 minutes or they said they're going to call me back and two more hours goes by and then the phone gets disconnected but no one ever solves the problem they just keep telling me the same thing over and over again and there's I see no resolution to this I just see them driving me crazy and I've been looking online and a lot of other people have been going through the exact same problem I don't know what the heck 's going on here but all I know is that at this point I would like to sever ties with the company Chase JPMorgan Chase Bank I would like for them to return the money back to my father 's account and cancel that check and I would like my {$500.00} cash back that I deposited and I don't want to have a account with them anymore or anything else to do with them anymore because something screwy is going on there and it smells fishy
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I closed a saving account on XX/XX/XXXX. I was supposed to get the check for the closed account. I have still not received the check. I called USAA daily for the past XXXX weeks inquiring the status of the my check. I was told regularly to wait another day or two for the mail. I finally spoke to someone on XX/XX/XXXX that went to page XXXX and discovered that the savings account check had never been printed. He didn't know why it had not been printed but it had not. I have been on the phone with different representatives for weeks and still no check. They tell me they will call me back and never do. I just want my money so I can be done with USAA. The amount of neglect I have endured these past few months is insane. No one should have to go through what I have gone through with a bank.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/year> I deposited a check for {$2500.00} from a customer for some side work/repairs done at him and his wifes place. I was told it would clear on the XXXX on the Chase mobile app. I tried getting gas on the next day and my account was frozen so I called Chase around XXXXXXXX XXXX immediately afterwards and they responded, your account has been frozen and may be closed due to the system flagging it as potential fraud. I couldnt access any of my money or anything. Waited till the XXXX and my account cleared the check but they still froze my account. Today I called them XX/XX/year> and they put a XXXX debit withdrawal charge for my full account amount and my account is in the process of being shut down. Been on hold from XXXX XXXX XXXX XXXX XXXX and still no answer.