davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of products/services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening 2 new accounts with your company. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services or products ]. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Investigate the reasons behind the delay in opening accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX and provide me with a detailed explanation of the causes. 

Expedite the accounts activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. Please assist me to correct the following late open accounts : XXXX XXXX XXXX Balance : {$210.00} ; ( New Late Open : ) XXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXXXXXX Balance : {$19000.00}.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank allowed XXXX fraudulent checks to be cashed the same day to the same person ( XXXX XXXX ) who I do not know without validating a valid signature on XX/XX/year> in the total of {$1400.00} and {$1800.00}. It went to an investigation and they speculated that I had not secured my checks properly but they have always been in a locked location and denied the forgery claim. Reference number XXXX. Because it was memorial weekend I couldn't do anything until the following Monday and the checks had cleared by the time I could do anything. I have closed the account since then.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

As part of the campaign, which I joined with the code XXXX, I should receive XXXX dollars worth of prizes. A direct deposit of XXXX dollars has been credited to my account for three months in a row, plus a tax refund of XXXX dollars has been credited to this account. However, despite meeting all the requirements, my {$300.00} reward has not yet been credited to my account.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Oasis Legal Finance Holding Company, LLC (NY)

On XX/XX/year> I received a settlement package which after all fees {$3000.00} was my amount. The company approved {$1500.00} but did not advise why. I took the amount and on XX/XX/year> requested the balance. I was denied and after several calls was told it won't be explained. I asked why again since is guaranteed from the State of XXXX  and others I heard were given full amounts not just half. I said it's discrimination and was told Oasis can decide how much and if on each case, but being it's not against my credit how can they pick and chose. It's discrimination.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NC)

I paid off multiple small loans with Affirm on XX/XX/year>. Another reporting cycle has passed and they have not updated the balances totalling {$1200.00}. Because they failed to report the correct information, I filed a dispute thorugh XXXX. They rejected the dispute and falsely stated the balance information was currect, which is dishonest practice and has damaging effects on me and my credit. The issue is that they XXXX ) did not report the correct information when the next report date came around but XXXX ) they intentionally lied on the disput responce regarding the balance, wich is false reporting and consumers should be protected from that.
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by AFFIRM INC Dear CFPB, This letter is to file a complaint against AFFIRM INC for violating the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency is attempting to collect a debt from me. However, they are engaging in unfair and deceptive practices in violation of the FDCPA. Specifically, they are : Using false, misleading, or deceptive means to collect a debt. This violates 12 CFR 1006.34 ( b ) ( 5 ). 
Failing to disclose my rights under the FDCPA. This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furnishing inaccurate information about the debt to credit reporting agencies without providing the required disclosures. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
AFFIRM INC is reporting incorrect information on my credit report such as Wrong amount is reported please remove. 
I am informing AFFIRM INC that i am disputing all owing and any debts, I am revoking all my rights of communication with AFFIRM INC through email, text, calls. 
In this letter i am requesting debt validation, I am also requesting the purchase order agreement between AFFIRM INC and the original creditor, I am also requesting AFFIRM INC to furnish proof that they are licensed and bonded. 

I request that the CFPB investigate these violations and take action against the collection agency. I also request that you remove any inaccurate information about the debt from my credit reports. 

I have attached copies of all relevant documentation to support my claim, including : My credit report Thank you for your time and attention to this matter. 

Sincerely, Your Signature XXXX XXXX
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. (CA)

On XX/XX/2024 I issued a transfer of XXXX ( XXXX ) from my blockchain.com account. 

XXXX transfer usually takes XXXX minutes but theyve held my funds in pending status since XX/XX/XXXX. 

Their support team has been unresponsive to the support ticket I filed & XXXX follow up emails. Its now been more than a month & I still dont have access to my funds.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

Chase charged me over 6 overdraft fees. The fees would not have been assessed if Chase would deposit my paycheck on the day I receive it which is on Friday but they hold the money until Saturday which causes them to make illegal money from my pay because transactions that are set up automatically process which then they charge this fee when they risk no loss due to the insurance of the account. Chase is also making money by the interest all their customers accounts make when deposits are made into their financial institution.
Consumer complaint received 2024-07-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OK)

On XX/XX/XXXX taking XXXX  from XXXXXXXX XXXX XXXX XXXX XXXXXXXX anyway headed home and XXXX XXXX stops in XXXX and our bus should be there to get us for XXXX XXXX mins. Hours went by and no XXXX  they forgot us and there was XXXX of us left us in XXXX XXXX for XXXX hrs I was scared to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Anyway XXXX  advertise that if your bus is XXXX hrs delayed you can ask for a refund for the full ticket so we did and XXXX  sd give it 7 days I call XXXX after the 7 days and I also did a dispute against them with my bank cash app. I called XXXX  and they sd they can't do a refund cus my bank came in on XX/XX/XXXX th and did a reverse. But cash app states they don't have that option to do a charge back and they still don't have any signs of my refund nor fini.. now cash app states on their website that if they can not complete or resolve your dispute in 10 business days they will automatically put in a provisional credit til the case is resolved but they seem to jump over that policy when it came to me. Now by rights I should of had my provisional credit on my card on XX/XX/XXXX. I called cash app back and none can answer me why I dint have it and they sd they have escalated my case ,4 times but still no provisional credit why,,,? XXXX can answer me. Plus they have the money back from XXXX
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

I closed my Macy 's credit card account in XXXX. I haven't received any mail or email from Macy 's after closing the account. On XX/XX/XXXX I received " my new Macy 's credit card '' in the mail. I did not request this. I called the phone number on the card and waited 40 minutes for an agent. I explained that I was reporting what appeared to be fraud since it was a closed account and I did not request a new card. The agent said they could not help unless I gave them the last four of my SSN. I already read the account number and my name from the card ; they provided no other way to review the account. My request was that it be reported as fraudulent and closed. They would not comply, but told me to verify the number on the back of the card ( XXXX ) was Macy 's via XXXX. A quick XXXX XXXX  for " Macy 's credit card customer service '' brought back numbers that didn't match. The call ended because I was not giving out personal information for a account I cancelled over 7 years ago. I believe it was likely Macy 's because they only wanted the last 4 digits of SSN, which is why I am reporting that Macy 's suddenly opened a closed account and provided a new card unexpectedly and without permission. I've been at the same address since the account was opened, which is why I received it.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

I re-applied for mortgage assistance applications for all three loans ( Loan XXXX XXXXXXXX, XXXX, and XXXX ) with XXXX XXXX Bank ( XXXX ) on XX/XX/XXXX. Nevertheless, during the process of application review, XXXX reported to credit bureaus that the payments were late on XXXX, XXXX and XX/XX/XXXX for all XXXX loans. I would like to have XXXX to provide the chronological dates of the mortgage assistance application in XX/XX/XXXX, the decision date of mortgage application outcome, the credit reporting date and the payment made on the account by me as the mortgage account holder, and the statement of credit reporting during the process of mortgage assistance application. 

I applied for mortgage assistance applications for XXXX loans ( Loan XXXX XXXXXXXX and XXXX ) with XXXX XXXX XXXX on XX/XX/XXXX. The mortgage forbearance was approved for both loans and followed by loan modification. Nevertheless, during the review process, XXXX XXXX XXXX reported to credit bureaus for the late payment on both accounts on XXXX, XXXX and XX/XX/XXXX. I would like to have XXXX XXXX XXXX to provide the chronological dates of mortgage assistance application date, the decision date of mortgage application outcome, the credit reporting dates for both accounts, and the statement of credit reporting during the process of mortgage assistance application. 

I was approved for loan modification ( loan # XXXX ) with Truist Bank in XX/XX/XXXX and the due date of the payment for the modified loan is not due till XX/XX/XXXX. Nevertheless, Truist Bank reported the late payment in XXXX for XX/XX/XXXX. I would like to have Truist Bank to provide the chronological dates of loan modification approval, document signing from both parties, the due date of the first payment on modified loan, and the statement of credit reporting during the process of loan modification.
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MN)

Freedom Mortgage company has been giving me shortages every year and this year it's 3 times the normal shortage not because of insurance or taxes and the escrow payment is only going up {$190.00} yet they say I'm short {$1800.00} this year. How is this possible when a escrow account is in place for this exact purpose to stop large payments. They keep saying the same thing and don't care to explain the numbers as they do not match my records. The escrow payment monthly is going up {$16.00} and yet I'm short {$1800.00} isn't that the same reason I got this short? Isn't it their job to prevent these large amounts? Please help as I can't afford this hike, who can?!
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TN)

On XX/XX/year>, I reached out to XXXX, via dispute center, notifying them of a fraudulent account, that posted to my credit report. After their investigation the account in the of {$1900.00} was not removed. I then reached out to XXXX, of an error posted to my account and after review, the rep came back to phone and stated that she apologized for the incident and that it would be removed on their end. I waited for weeks and received nothing from XXXX, in writing stating that the account had been removed. I then filed another complaint with XXXX asking for the documents used in their investigation. XXXX, had the consumer mail me documents used. The documents used, do not have my signature on them. The signature on documents are those of a male, living in XXXXXXXX XXXX  I submitted once again, a dispute with XXXX, this time attaching the documents, that clearly were not signed by myself, but by someone with a different name, living in XXXX. XXXX returned the investigation after 30 days with no changed results. I have been trying to get this issue handled for years now. The creditor deletes the item and places it back onto my report every year, although they clearly have documents showing someone else 's signature from XXXXXXXX XXXX I have now been blocked from disputing the account.
Consumer complaint received 2024-07-16
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: BARCLAYS BANK DELAWARE (CA)

XX/XX/year>. WYNDHAM VACATION OWN Ran my report twice without my permission. Once we informed them we did not want to move forward with the timeshare they still ran it without my permission. I did not notice this until I received the email from credit karma they had done this. I called the number on information given and no one could help me with this matter. XXXX XXXX suggested to file a dispute.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (MS)

i sent letter to them on XXXX, about this alleged debt that i do not owe. this is the information that i requested : XXXX. XXXX XXXX : A copy of the original contract or agreement bearing my wet-ink signature, which is the basis of the alleged debt. 
XXXX. Proof of Ownership : Documentation proving your legal ownership of the debt, including the complete chain of custody from the original creditor to the current creditor. 
XXXX. Full Accounting Records : Detailed accounting records of my account, both public and private, maintained according to Generally Accepted Accounting Principles ( GAAP ). This should include a comprehensive history of all transactions and charges applied to my account. 
XXXX. Affidavit : An affidavit affirming that a contract exists between me and your organization, including the terms of the contract and any other pertinent information.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (MD)

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Well, Chase bank put a hold on my accounts XX/XX/22 and I was keeping in touch with them, the Sender and partners of mine Went and Had representative to Provide what the Bank was asking, the bank told them that they would close them out and send me the checks for my personal and business account Got Your Back and I havent received anything and i recently wrote them online and their not Responding. I want my Funds that were in the accounts. I can not let them get away from Robbing me just like its Bad to Rob Banks, Bad for Banks to Rob Customers!
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (NC)

I am writing to formally lodge a complaint against Aspire Financial for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that Aspire Financial has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) - " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. Aspire Financial did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

Aspire Financial has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 

Lack of XXXX XXXX : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties. Additionally, I never received my forms to opt out. This opportunity should have been clear and conspicuous, and it was not. Signing a contract that states the company " may '' report does not suffice under this law. 

I request that Aspire Financial cease the unauthorized sharing of my information immediately and take corrective actions to rectify the negative impact on my credit report. I also request written confirmation that my complaint has been received and is being addressed. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I have inadvertently signed up for overdraft protection with a TD Bank. I had gotten a message or XXXX saying that my account was low and they were giving me the funds as a courtesy. After a month or so they hit me with over {$600.00} in overdraft fees I had been aware that this was happening I would've treated matters differently. They were able to refund me {$100.00}. But I believe that to be far too low of a refund. I have all the necessary documentation. I believe these practices to be predatory. Thank you for your time and trying to correct the matter