davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ARVEST BANK GROUP, INC. (MO)

Two deposits went in to Arvest Bank account in Missouri I closed the account at branch on XXXX XXXX  in XXXX do to 1000 dollars un accounted for missing and two weeks later I went to desput the 1000 at branch on prospect and account was opened still with XXXX $ was there And I snapped on them two days in a row and they closed the doors on me not giving me the proper paperwork to despute any false transactions I had to go to branch on XXXX XXXX XXXX mo.to get proper paperwork and that was a moth later and they showed me more new information bottom line the bank said I was right about me not writing checks and taking out money but it was past the time frame to dispute it.
Consumer complaint received 2024-01-05
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 contacted XXXX on XX/XX/XXXX with no recourse. I am due an accurate credit report I have misspellings as well as several unmailable addresses that need to be deleted immediately, I choose to opt out of reporting pursuant to 15 usc 6802. I the consumer choose to opt out. Any authorization I have given whether written or unwritten verbal and non verbal as a federally protected consumer.According the privacy act of XXXX states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
I've also reached out to dept of Ed/XXXX to remove all accounts due to the XXXX It prohibits educational institutions from disclosing personally identifiable information in education records without the Witten consent of an eligible student. 2o uses 1232g ( ( b ) )
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (IL)

In pursuant to 15 USC 6802 ( b ) I called and explained to the consumer service rep that my consumer report and personal information is federally protected. I advised them of my rights per FCRA 604 ( 2 ) and also my federally protected right to " opt out '' as explained in 15 USC 6802. They told me that they can not allow e to " opt out '' thus is a violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure is to be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XXXX XXXX XXXX I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The DeGrasse Law Firm, P.C. (LA)

I was served a petition from a sheriff out of the blue at the end of XX/XX/XXXX. I had no knowledge of the lawsuit. I contacted XXXX XXXX XXXX and informed them that I had not been given the opportunity to dispute the debt and that the petition was filed in the wrong parish. XXXX XXXXXXXX XXXX recalled this petition and sent me credit card statements for review. Upon receiving the credit card statements, I found thousands of dollars in unauthorized charges after I reported the card stolen. I have a police report to show my car was broken into. I sent 3 written notices on how to dispute these charges so that I would not be liable for them in the balance and never received any communication from XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX I was served another petition for lawsuit even though I had been making best efforts to settle the account with the law firm. The lawsuit was again filed in a parish that I do not reside in. I live in XXXX parish and the suit has been filed in XXXX parish. I have never lived in XXXX parish, do not own property in XXXX parish and do not have any ties to XXXX parish. 

I mailed a copy of my answer to XXXX XXXX XXXX that stated the lawsuit was filed in the wrong parish and that XXXX parish did not have jurisdiction over the matter. This was received by the law firm and can be confirmed by tracking number. XXXX XXXXXXXX XXXX then responded to my answer by filing an execution to obtain a judgment, again filed in the wrong parish. 

I contacted the XXXX XXXXXXXX XXXX a total of 14 times after I received notice of the court date in the wrong parish and received no resolution from the firm. The clerk of court in XXXX parish said it was the plaintiff 's responsibility to move the venue to the correct parish. The only statement I received from XXXX XXXX XXXX is that " the hearing will proceed. '' I informed the XXXX XXXX XXXX   that this is a clear violation of the Fair Debt Collection Practices Act in pursuant with 15 U.S. Code 1692i. The law firm refuses to acknowledge this and is trying to obtain judgment by deceptive practices.
Consumer complaint received 2023-07-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (NV)

Discover is requiring me to have my husband also apply for the home loan even though I own the home, can afford the loan, and we have waived community property. 

I thought this requirment violates of the Equal Credit Opportunity Act of 1974. As I understood this, this is a vioation of rights and Discover is descriminating against people for marital status.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (MD)

I've been receiving text messages from the phone number ( XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX, I received the following text message : This is TrueAccord, a debt collector. View your account summary and select a payment option : XXXX XXXX XXXX. Reply STOP to opt out. 

On XX/XX/XXXX at XXXX, I received the following text message : This is TrueAccord, a debt collector. Your account summary is ready for you. View all the details here : XXXX XXXX XXXX. Reply STOP to opt out
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc. (CA)

On XX/XX/2024 I submitted the XXXX form to the company XXXX. They accepted the form on the same day but now they are requiring me to provide a driver license along with a selfie which I refuse to do. I do not want to share my personal identity to them. I have been selling with them for over 2 months with no issues. All of a sudden they restrict my account for no reason. At this point I would like the remaining balance of {$290.00} to be released so I can close the account. They have no right to hold my funds.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (NY)

I have been trying to make a routine transfer {$180.00} from my savings account at Popular Direct to my checking account at XXXX XXXX, something that I used to do easily before. However, every time I attempted to do so on the Popular Direct website, it told me to call customer service to complete the transaction. I called them and after waiting for XXXX minutes, they said that there was a restriction on my account for no apparent reason and that they were " looking into it ''. They asked me to call back in three business days. I find this situation very frustrating and unacceptable. I think the bank has no right to place an arbitrary restriction on my account without any explanation.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (NY)

I am writing to convey my discontent regarding the information stated in the response letter, which inaccurately identifies my complaint as originating from a third party. I want to clarify that I am personally submitting this request concerning the inaccuracies present in my credit file. To verify my identity, I have enclosed copies of my Driver 's License, Social Security card, and proof of address.
Consumer complaint received 2017-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

I went to  Wells Fargo t o refinance my car loan, and found out my interest rate was higher than when I purchased the car also I 'm randomly paying more. Originally I was paying  XXXX  dollars at  5.97 pe rcent. Now it 's  XXXX  at 10.59. And I 've made every monthly payment on time. So they tell me somehow back when I got the loan. The girl workingvat the time did n't p ut Wells Fargo  at the lean holder but myself in the cars title. So somehow that is my fault and I believe that 's illegal to do because they never informed me of what happened and just raised my rate and took more money out of my account. So I 'd like to know if  Wells Fargo is at  fault. Cause I was expecting to get a lower rate not  a higher one after one yea r.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX  XXXX Date of Inquiry XXXXXX/XX/XXXX
Consumer complaint received 2024-01-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was gifted an {$840.00} Amex pre-paid digital gift card from my XXXX. She purchased the card on XX/XX/XXXX. I have tried to use the card with XXXX, XXXX, a local XXXX store and XXXX. All transactions were declined. I tried adding the card to my XXXX XXXX account and paying with XXXX XXXX, the payment was still declined. I then called the Amex customer service number 3 separate times- XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They appear to have a third party customer service company that is completely unable to assist. I asked them if they had a list of blocked vendors as I read online that some giftcards block certain vendors for fraud protection purposes. They said they couldn't provide that. The card doesn't seem to be usable and I can't get any help from their customer service team. Hoping to figure out a way to receive this money in a way that it can actually be spent.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/ I noticed my checking account was overdrawn, which was odd. Called chase bank to report fraudulent charges to my account. Spoke with a rep and found out there were even more fraudulent charges that the bank stopped from being put through. The funds were temporarily placed back into my account and I had a new debit card ordered. On XX/XX/, I noticed my account was overdrawn again. Chase reversed the temporary credit and the {$1200.00} was taken back out of my account. I then called and spoke with another rep that reopened my claim on these charges. I received notification today that they are saying I authorized these charges, which I did not. Ive requested documentation and proof that I made these online orders with XXXX. They stated because I made purchases in the past they are valid. Ive requested the shipping address for these orders, the email address for order confirmations, as well as, the IP address the orderes were purchased from. That can take 10 business days.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IN)

I purchased a XXXX thru XXXX XXXX  site using their breeder XXXX XXXX paid high fees to XXXX XXXX they require when paying breeder for deposit and final amount. The dog was agreed to be transported on XX/XX/XXXX it did not come and the breeder nor her transport contact she gave me would answer ..so i disputed deposit and payment i thought dog wasnt coming with no replys. Then around XXXX  a day later dog was delivered without the promised 1 year genetic health guarantee. So i closed dispute since i had dog then. But 2 weeks later the dog was having diarhea since she got here then XXXX dog had XXXX we rushed her to e r vet. She had body temp of XXXX was cold and no glucose level at all. XXXX XXXX and the XXXX vet said XXXX is only found microsoic doesnt show on fecals. Also said this is a toy pup which i was not informed of i was buying a dog that would grow to XXXX to XXXX. She also said pup that tiny shoukd not of left the brreeder until 12 weeks at the least this is an entirely different issue inhave a veryvsick dog and discover refuses to reopen dispute or start new one. Breeder is hostile XXXX XXXX company mgr XXXX will notnhelp me i researched to getva healthy pup she my vet says and i sent medical recorders from er vet and mine that the pup had gardia from breeder environment. Plus geneticly hypoglymic and needsba stunt in XXXX later she cant be vaccinated this sick. I want a full refund back to my discover card for both transactions to and thru XXXX XXXX XXXXXXXX plus fees and XXXX plus fees. I proved the vets diagnosis plus i paid for a healthy dog. Instead i have a toy dog. With health issues. Breeder refuses to honor 1cyear guatantee. Please get mevmynmoney back this is wrong unfair and false advertising by XXXX XXXX for protection and breeder posts XXXX not toy or mini. I want discover to dispute again since this is entirely different issue that has harmed me financially and my other dogs and myself exsposed to gardia..
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

RE : Notice to Reverify Credit Report Dear Experian, Please consider this as a second request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 168XXXX of the Fair Credit Reporting Act of 1997. As required by the XXXX, I demand that you reverify each of these items below, and that the inaccurate items be deleted from my record. 
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 Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the method you use to verify them, the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

I received an offer for the American Express Gold Card. XXXX points after {$2000.00} in spending. I applied through the offer link and was approved for the card. Once I'd met the minimum spend requirement, I reached out to AMEX who told me I no longer qualified for the offer. Throughout the application process, the offer was valid and I was nowhere notified the offer did not apply to me so I applied in good faith.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ADP Inc. (IL)

In pursuant to 15 USC 6802 ( b ) I called and explained to the consumer service rep that my consumer report and personal information is federally protected. I advised them of my rights per FCRA 604 ( 2 ) and also my federally protected right to " opt out '' as explained in 15 USC 6802. They told me that they can not allow e to " opt out '' thus is a violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure is to be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (SC)

TDBank 's website said any account opened online and not funded within 45 days would automatically be closed. I tried to open one account, and their system opened three in my name. I never put any money in any of them. After a month, I got a statement with a service fee indicated for each. I called and tried to close the accounts, unsuccessfully. I went to my local branch and was assured that the accounts had been closed. Just got another three statements, now indicating negative balances of {$32.00} each. 

When I call, I am told I must go to a branch. When I go to a branch, they apparently can't close the account. It's Catch 22.