davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (CA)

I wrote to ELAN financial formally with a notice on XX/XX/XXXX to dispute the validity and equity of the referenced in the recent communication to me referenced through a CRA. I requested that they consider the following lawful precedents and expert testimony in this matter : 1. *Self v Rhay , 61 Wn.2d 261,277 ( 1963 ) * : This case emphasizes the necessity of clear and fair treament in financial obligations and contractual relationships. I believe the terms of my agreement and subsequent dealings have not been conducted in a manner consistent with equitable principles.

2. *Affidavit of Walker Todd* Walker Todd 's affidavit highlights critical concerns regarding the creation and handling of debt instruments. The affidavit underscores the importance of transparency and fairness in credit practices which I believe has been lacking in this case. This notice is inspired by the principles in the case of America Express Co. v Citizens State Bank, where the court emphasized the importance of transparent and honest practices in financial transactions. 

Elan has failed in it's duty to address my concerns and has continued to violate my rights... Therefore, you must Cease and Desist communication until you either provide the proper validation of the debt. Moving foward, anything else will be considered willful misconduct. This includes any continued contact with any credit agency that you are trying report to. Let this be the last and final attempt to remedy this matter.
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: GOLDMAN SACHS BANK USA (GA)

I am writing to formally submit a complaint against GS BANK USA for the following reasons : 1. Inaccurate Reporting : The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 

2.Misuse of Federal Reserve Loans XXXX I am concerned that GS BANK USA may be abusing loans obtained from the Federal Reserve . It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account. 

3.Abuse of Insurance Policy : The bank charged me while collecting on the Insurance policy that was supposed to insure the alleged loan. This practice appears to be an abuse of the Insurance coverage and has resulted in additional Financial burden on my part.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M1 Holdings Inc. (TX)

We have been attempting to withdraw {$91.00} to close our XXXX account with M1 Finance LLC ( " M1 '' ) and have been unable to do so as M1 has been refusing and therefore holding what is left of our funds, hostage. The primary method to withdraw funds is through the linked bank account connection. We have been unable to use this method as the current linked bank account has been closed. In order to update the linked bank account connection, M1 has changed to using XXXXXXXX XXXX XXXX third party company with proven questionable privacy history ( XXXX XXXX. XXXX XXXX. XXXX, XXXX ), to facilitate ACH ( Automated Clearing House ) transactions. We never agreed to use XXXX  and never received any notification for this functionality change. During the process of replacing the existing linked bank account connection, XXXX prompts for username and password for our bank login credentials. This is a severe breach of banking security to provide a third party access to one 's bank account. XXXX  provides an option for " Link with account numbers '' but after entering the new bank account 's routing number, it prompts for bank login and password credentials. We have attempted this with two different bank routing numbers and are both presented with prompts for our bank 's credentials. We attempted to transfer our account ( XXXX  ) to another institution on XX/XX/XXXX, and it was denied. We then contacted support on XX/XX/XXXX, and after several days of messages back and forth with a XXXX XXXX XXXX and even providing bank account statement for proof of ownership of the new bank account to link, request for manual linking of new bank account was refused, despite M1 having the ability to do so. During this time of M1 dragging their feet, they were able to deduct another {$3.00} for the Platform fee. Request to issue a check of remaining account balance was refused. M1 allegedly provides wire transfer as alternate method for transferring funds out of invest accounts ( XXXX XXXX XXXXXXXX ) but provides no mechanism for account holders to do so without contacting M1 and requesting it. We requested wire transfer out ( considering one of the documents we provided has wire transfer information ), but it too was refused. M1 now claims " Since wire transfers and issuing checks are not available, the only option to get the funds is to connect to a bank. '' Consequently, forcing us to use XXXX to do so when we never agreed to use XXXX  for continued use with M1. In sum, M1 is holding what is left of our funds of {$88.00} hostage and not allowing us to obtain these funds in order to close out our account. They have refused all alternate methods of funds withdrawals only to force us to use XXXX  and breach bank security policies.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 1. CITIBANK CITICard XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. You sent verification as to the account being opened and opened online. I never challenged the account being open. The account was NOT opened by me. Citibank removed and deleted another fraud account opened with Macy 's under CitiBank. I attached the letter from Macy 's Citibank as well. Please send me an updated copy of my credit report after your investigation and removal of this account XXXX : CITI XXXX {$3500.00} XXXX : CITICARDS CBNA XXXX {$3500.00}
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

Parties involved : PayPal Synchrony Bank ; I did not receive or lose any money, just had several very adverse charges to my credit reports which has significantly impacted my credit score.

To whom it may concern.

This appears on my credit report at all three credit bureaus and we are in the process of purchasing a home and this has had a major effect on my credit score. I have called and spoken to 5 different people at Synchrony and PayPal with everyone agreeing that this is not an account and I do not have a credit account with you or synchrony. Unfortunately, no-one has been able to stay on the line long enough to follow-through and I have been hung-up on multiple times but the " representative ''. I need a letter stating that this report was sent in error, the customer service person I spoke with on Friday said a letter would be faxed to me at XXX but I have not received the letter.

Thank you for your attention to this matter.

Sincerely, XX This appears on all three credit bureaus SYNCB/PPC XXXX History : XX/XX/19 ; XXXX XXXX dates XXXX XXXX. XXXX, XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (GA)

I submitted a fraudulent claim .do to my account being in the negative.they credited the account .but later said I owe it back .after I cancel my card and told them about the situation.moving forward I called in to check on my claims .the agent did proceed to file another claim that I have already made.and the negative balance went up again .and they completely close my account.they want fix the situation.and I cant open a account with a negative balance of a XXXX some dallars.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX  ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

I am writing to urgently lodge a complaint against Ally Bank regarding an ongoing issue with my debitcard transactions being declined without proper communication or reason. 

This is the second time this has occurred since I became a customer less than two months ago. On XX/XX/year>, while attempting to purchase a fl ight, my debit card transactions were declined multiple times. At no point did I receive a text or email notification explaining the reason for these declines, which caused significant inconvenience and distress. 

I contacted Ally on XXXX XXXX XXXX XXXX XXXX at via chat and no satisfactory asnwer was privided. On the same day at XXXXXXXX XXXX XXXX, I called Ally Bank seeking further clarification. The customer service agent was unable to assist, so I escalated the matter to a supervisor. The supervisor informed me that several other customers were experiencing similar declines due to " temporary security concerns, '' yet there was no clear explanation of what those concerns entail. 

While I recognize the importance of maintaining security, it is both dangerous andunfair for a financial institution to decline transactions without a valid reason and without communicating what is happening to the consumer. 

This lack of transparency and communicationcreates unnecessary frustration and can lead to serious disruptions in daily fi nancial activities. I urgethe Federal Reserve to investigate this matter immediately and ensure that Ally Bank improves its communication standards regarding transaction declines. 

This issue needs to be resolved withoutfurther delay to prevent further inconveniences for myself and other customers. Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-24
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Overdraft occurred on XXXX  XXXX XXXX th. I called bank and they told me they would give back the {$170.00} overdraft if i payed balance owed by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. No they claim I owe more and wont reimburse the {$170.00} overdraft fees
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I am writing to formally file a complaint against Equifax for their failure to resolve an unauthorized internal hold placed on my credit report. This hold is preventing me from accessing my credit report and is significantly hindering my ability to purchase a home. 
Two weeks ago, I discovered an unauthorized internal hold on my Equifax credit report. Despite sending two written requests with proper identification on and multiple phone calls, Equifax has refused to remove the block. Their customer service representatives have been unhelpful claiming they have not recieved the letters, denying me access to a supervisor or manager, and claiming that all employees are trained identically. 
This situation is causing extreme financial hardship as I am unable to proceed with the home buying process. The inability to access my credit report is a direct violation of my consumer rights and is causing significant distress. 
I have attached copies of the letters I sent to Equifax requesting the removal of the internal hold. I request that the CFPB investigate this matter and take appropriate action against Equifax for their failure to comply with consumer protection laws. 
I look forward to your prompt attention to this matter.
Consumer complaint received 2024-07-24
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2020-04-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OH)

We have just refinanced with Freedom Mortgage and we have not been able to contact them to discuss our payment options due to COVID 19 I have sent an email two weeks ago and have called numerous times.

When I go to the website they have posted an option to apply for a forbearance but the terms state I must pay it all back at once plus my additional mortgage payment. 

That is not possible. I dont have the money now how am I going to have it in 6 months? 

This is completely unacceptable.
Consumer complaint received 2024-07-27
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.