davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HANCOCK WHITNEY BANK (TX)

I opened a business checking account with Hancock Whitney in the XXXX area. Due to non activity, account becomes dormant. At the time, there is over {$150.00} in the account. I decided to close the account and wrote a check to cash this amount out, however the check bounced due to account being dormant. I called the bank, they said I have to go into the branch to withdraw and close account, all online access was denied. Due to my work schedules, it was difficult to find times to go into a branch. I finally went one day and the XXXX branch was closing permanently. The next time, which is around XXXX or XXXX, I tried another time to stop by their XXXX XXXX XXXX. It was also closing permanently. Today XX/XX/XXXX, I finanlly went to their branch in XXXX ( attached business card ). I am on maternity leave so in my last 2 weeks, I want to complete this task which has been on my to do list. To my surprise, the account was drained to thirties dollars because the last 2 years, the bank has been charging {$3.00} a month for service/statement fee. It could have been avoided with e-statement. But the account was dormant and all my online access was denied??? When I requested to receive help to reverse the fees, I met with the bank manager, XXXX XXXX XXXX. She treated me with a lack of professionalism and respect. She justified the fees by saying, " We are not here to do charity. '' When I mentioned that I hadnt been able to visit the branch earlier due to its distance ( the closer branches have all permanently closed ) and that I could only make it now because Im on parental leave, she dismissively rolled her eyes and said, " Well, I have XXXX  ( kids ). '' The outcome may have been the same, but someone with good customer care would have approached it differently and treated client with respect, unlike XXXX.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

Denied me for a credit card with perfect credit score and history. Happened same thing with XXXX XXXX for years. Found out it was because I was XXXX after cfpb sued and won the lawsuit against XXXX for discrimination against XXXX for the last names ending in XXXX or XXXX. I believe same thing is happening here. I never get rejected for any credit cards. They sent me a letter saying we believe you would use this card for FRAUD.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

This is for Lakeview Bank Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My mortgage was transferred to a different bank and I was not properly ( The mail was sent to wrong address ) notified causing me to make the payment late since I did not know who to make the payment to. Then there was an issue with the auto enrollment, which was beyond my control. Also, I want the XXXX mortgage late to be reversed since I have a 90 grace period during a bank servicing change to make payments. 

Please help me as i had cash in my bank and there is no reason for me to delay the Payment. Its not my fault.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On around XX/XX/XXXX and before I had noticed unauthorized transactions. I did not do I was told wait until its done pending and then report. I did as I was told to wait some more. I finally was able to report it through the bank today and they denied it the same day. Without no documentation or explanation. The rep over the phone did the report for me.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I sent a letter requesting that you reinvestigate the disputed Account from my credit report as well as correct or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-06-10
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: JPMORGAN CHASE & CO. (OH)

A hacker used my information from XXXX XXXX XXXX  and government site to apply for a credit at XXXX XXXX XXXXXX/XX/2024, and the hard inquiry listed on all credit reporting agencies, XXXX, Experian..
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: U.S. BANCORP (NC)

Subject : Formal Complaint Against ELAN Financial Services for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against ELAN Financial Services ( `` ELAN '' ) for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by ELAN have caused significant damage to my credit rating and have hindered my ability to obtain credit.

Background : Account Closure Without Sufficient Proof : ELAN Financial Services closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation. 
Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions.

Incorrect Reporting to Credit Bureaus : ELAN Financial Services reported late payments to the three major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating.

Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. ELAN 's failure to notify me of the account closure constitutes a violation of this provision.

Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. ELAN 's reporting of late payments, which are incorrect, is a clear violation of this requirement. 
Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations.

Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. ELAN may be civilly responsible and culpable for the damage caused to my reputation and financial standing.
Consumer complaint received 2024-08-05
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. (MA)

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 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 2024-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I am writing to formally dispute and request the removal of a fraudulent secured credit card account from my credit report. The account in question was opened at Citi Bank on XX/XX/year>. This secured card, originally with a limit of {$500.00}, was fraudulently used and incurred a negative balance of {$3200.00} before being closed on XX/XX/year> leaving a total balance of {$4000.00} I wish to state unequivocally that I had no knowledge of this account and did not authorize its opening or any transactions associated with it. Despite contacting all three major credit bureaus ( XXXX, XXXX, and XXXX ) to report this fraudulent activity and request the removal of the account from my credit report, I have received no resolution. Additionally, my attempts to resolve this matter directly with Citi Bank have been unsuccessful, as they continue to hold me responsible for the fraudulent charges. 

Given that this account was opened and used fraudulently, I request the immediate removal of this account and all associated negative marks from my credit report. Enclosed with this letter are copies of my correspondence with the credit bureaus and Citi Bank, as well as any other relevant documentation that supports my claim. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and the correction of my credit report
Consumer complaint received 2024-06-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Wolf River Development Company (OK)

I applied for XXXX dollar loan. I knew it would draw interest daily, but did not know I would be paying back triple for what I borrowed. I will be paying back XXXX dollars of just interest over XXXX payments. And that is entirely too much interest for a XXXX dollar loan. and thats not including the XXXX I owe them, totaling XXXX dollars. Something has to be done because this is ridiculous. You go to these loans wanting some financial help only to get riped off and put in further debt. Especially since are country is having economic crisis already and you have companies like this robbing you. Something needs to done because we are all struggling to make it.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I am filing a complaint with the CFPB because my bank account has been frozen due to a disputed XXXX payment. I sold a XXXX to cover my XXXX, and the buyer now claims that they didn't authorize the payment. Consequently, my account is frozen, preventing me from using my card or withdrawing funds, although direct deposits are still being processed. 

This situation is highly problematic as I have upcoming bills that need to be paid from this account. It doesn't seem fair or reasonable for my entire account to be frozen for up to 10 days based on an unsubstantiated claim. All I do with my account is pay bills, and this freeze is severely impacting my XXXX XXXX. 

I seek immediate assistance in resolving this matter so I can access my funds and meet my financial obligations.
Consumer complaint received 2024-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

We applied for assistance / modification on XXXX XXXX, XXXX. We submitted more than enough paperwork for eight months. We are going to have to sell the house if we don't get the modification which is fine. But they won't give us a answer. 

This loan was generated in predatory lending times XXXX. For the last 9 years they keep us in a modification, but now won't let us be in the modification. 

I work for a different mortgage company. My wife and I provided over XXXX months of paperwork. Tax returns, bank statements, lease agreements, etc...
Consumer complaint received 2024-06-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

My brother in law has gifted me 2 American Express gift cards for {$50.00} each ( {$100.00} total ). I have tried to use these cards at so many online merchants : ex. XXXX, XXXX, XXXX, etc. Each time, the card is rejected due to incorrect billing information. I cant use these as intended. The cards should be fixed to be able to be used online or have a disclaimer that they can not be used online. This is ridiculous.
Consumer complaint received 2024-05-22
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've maintained timely payments on this account without letting them become overdue. I'm uncertain about the reasons for late payment remarks on my accounts. Per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (FL)

In XX/XX/year> a company which shows on my credit report as AMSHER COLLECTION SE added a derogatory remark on my credit report. I have never once in my life heard of this company and Ive never done business with this company and I definitely do not owe them any money. They are trying to collect {$730.00} which I do not owe them.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

I had a client make a {$20000.00} donation to help save my company. So I used square to process that so that there was a record of it. Square flagged it, closed my account, and sent me an email they would hold my funds until XX/XX/2024. I sent them the info they wanted and they said so sad too bad. So then I sent them An email complaining and now In retaliation they went and further stated that now my funds would be held until XX/XX/2024 In the mean time Im losing all of what I worked so hard for
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to address the issue of willful noncompliance & negligent noncompliance by TransUnion LLC under 15 U.S. Code 1681n & 15 U.S. Code 1681o in which the consumer reporting agency even after receiving my previous instructions still ignored my request, knowingly, willfully and with negligence failed to comply. On XX/XX/XXXX, I sent by certified mail ( tracking number # XXXX XXXX XXXX XXXX XXXX ) instructions and authorizing Transunion LLC to remove and/or delete specific inquiries from my consumer report and file associated with my SSN and File Number, as defined in 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( O ) ( 2 ) ( D ). The inquiries to be removed are as follows : XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX As per my instructions, these inquiries were to be removed immediately upon receipt of the notice and no later than 5 business days following. However, as of XX/XX/XXXX, TransUnion has not followed my instructions, continues to remain non-compliant and is continuing to violate my privacy rights
Consumer complaint received 2024-05-22
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. (GA)

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (TX)

I received previous calls from Radius Global Solutions. I also received a letter a letter that they could not sue me because the debt was old. I decided on XX/XX/2024 to write a letter requesting validation. Not only was it validation but to end the calling but also a portion of what they were asking. XX/XX/2024 I received a call from an agent putting me through to manager. He was very rude demanding I pay est. of {$170.00}. And rudely asked me dont I remember riding to the hospital in an ambulance. I was unsure and asked if he saw me get in. I offered an amount for them to quit calling he preceded to argue about the amount. I asked him to DO NOT CAL ME AGAIN. He laughed and hung up.