davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

I was invited to apply for the PayPal Cashback card. Upon applying I was instantly denied. The response I received said that I was denied because my XXXX credit report was frozen. I contacted XXXX and they confirmed both my phone and through a XXXX chat that my credit report was not in fact frozen. I then tried to apply for the PayPal card and once again was denied because my XXXX report was frozen even though I had confirmed with XXXX that was not the case. I tried speaking with Synchrony on the phone and they told me that there was nothing they could do and I should contact XXXX. I do not believe this is a XXXX issue. I have never experienced this issue before and I believe this is Synchronys fault.
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

I received a letter from XXXX credit card powered by Commenity Bank and this is my second problem with Commenity Bank for no XXXX good reason. There is something going on in the banking system. We all know that its already crashed to come in and XXXX XXXX my credit score is not acceptable. I have always made all payments on time with this card and all my other ones as well. Today I received a letter from them stating that theyre dropping my limit from $ XXXX {$200.00} because of my credit score being XXXX. You guys tell us to get credit cards to raise our score and momentarily they dropped down and then they dropped your credit limit, even though youve made every payment on time, these people want blood and I want my limit restored. I dont even use this card right now. My balance is {$140.00} and theyve knocked it down to {$200.00} so Im waiting for them to put the interest on and make it go over the limits and now they can charge me more fees. If you think the Consumer doesnt know what youre playing here youve got another thing coming and what it is is against The law or your at least stretching it. I am encumbering a consumer rights attorney. Im sick and tired of all these games being played on me and Im being a very good person paying my bills on time to try to establish my credit score to be higher, but yet youre dinging me with the credit score for doing the right thing and youre taking my limit down. I want the limit restored before I ever pay this card off. You are punishing me for something that I didnt do wrong and how dare you keep going into my credit score I wont allow that either stop now that is my privacy that youre invading.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

Hereby I ask for a permit to release the blocked payment conducted on XX/XX/2022in the amount of USD XXXX XXXX from account XXXX in XXXX ( XXXX ) to account XXXX in XXXX XXXX XXXX. The intermediary bank informed that the payment can not be processed in accordance with original instructions due to sanctions under the XXXX program under regulations issued by the US office of Foreign Assets Control ( OFAC ). 
The payment was made from XXXX to seller.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist closed my account for no good reasons. I am provided that it's some fraud and they are closing my account.On or about XXXX XX/XX/2023, I opened Truist account with the promotion code. Only after getting the account opening confirmation, I setup direct deposit. Now I got this letter from Trust on XXXX XX/XX/2023 where they are closing my account. What will happen to cash back bonus that I earned out there? What will happen to my direct deposit. 
Is this TRuist so lousy that first they let people open the account and later find that it was fraud. All the information - Driver 's license and social security and address is provided but still I am facing closure of this account.
Consumer complaint received 2023-12-04
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-04
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)

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 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has charged me a {$12.00} monthly maintenance fee several times incorrectly. I have called in the past and have been able to rescind the fee. However, in XXXX of 2023 it happened again. I called XX/XX/2023 ( spoke with XXXX in Florida and XXXX in North Carolina, 2 bank of America employees ) and explained the fee was charged even though I maintained the daily minimum balance required by the bank to have the fee waived. This is evident in my bank statements. There was no follow-up action or call to my request and query. The fee has been charged once again this month ( XX/XX/2023 ) and I again am awaiting a call back from Bank of America to explain once again why the fee is being charged even though it is clear the conditions for a free checking account are being met.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (AL)

Due to a serious health situation placing me in extreme financial hardship, I am unable to make the high monthly payments on this predatory loan. At the time I took out the loan, I did not know I would owe the high amounts in medical bills that I now owe. I am XXXX XXXX XXXX and I live on Social Security only. Each month, I have called SpotLoan and tried to negotiate an affordable payment plan. They refuse to negotiate a payment schedule with me and they continue to add the high interest rate plus fees to my account. With an original loan amount of {$750.00}, I now owe almostr {$1400.00}. The Agent has promised me they would freeze the interest twice and did not live up to their promise with interest and fees added regardless of their promise. When I call they tell me the Agent entered the option but it was denied by the system. Any well trained agent would have told me the truth, which is the system would have denied the option to freeze the interest. I continue to make small payments each month when my Social Security check arrives and they continue to add interest and fees ; therefore, I am fighting a losing battle with this company. Other companies of this type have worked with me to freeze the amount I owe and set up affordable monthly payments, but SpotLoan is extremely predatory and they will not work with me.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TN)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have been disputing incorrect fraud related information for almost a year. Sent I. The ftc reports and told them I wanted the information blocked and removed they will not remove it and it has now been over 35 days and I have heard nothing since I sent the last letters which would be 6 letters of dispute and 100 online disputes and 3 phone disputes
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I disputed items inaccurate on my credit report.This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Consumer complaint received 2024-04-19
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, Account number XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Absolute Resolutions Corp. (FL)

ABSOLUTE RESOLUTIONS I XXXXXXXX XXXX XXXX XXXX Account : XXXX These companies registered their name with the CFPB multiple times under multiple names to avoid accountability and confuse consumers. Im tired of yall manipulating me.

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P. (TX)

I have been receiving text messages nonstop, every single day from Resurgent Debt Collector, I have replied asking them to please stop texting my phone but to no avail. This has gotten in the way of my workday because I get text messages non-stop. I need this to stop, or I will see what legal actions I can take.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MS)

Hello, I'm XXXX XXXX. Chime closed my account on XX/XX/XXXX due to a scam incident, citing inappropriate language without clarification. Despite numerous attempts to contact customer support, they provide no information or assistance. Redirected to email, each response is a repetitive copy and paste message. I've received over XXXX identical emails, and the issue remains unresolved. I'm concerned about the promised check with my remaining balance, due 30 days after closure on XX/XX/XXXX, as XXXX  is XX/XX/XXXX, and I haven't received it.
Consumer complaint received 2024-04-16
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. (TX)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo contacted me via mail on XX/XX/XXXX, concerning a settlement payment for my checking account, which I closed in XXXX, The settlement was for their illegal actions which they were found guilty of years ago. ( Reference number XXXX ) I called the Product Remediation Department as directed and was told my check would be sent within 20 days. As of today, XX/XX/XXXX, there is no check. When I call them back to ask about the delivery of the check, I have been told that it wasn't processed due to computer errors. The next excuse was holidays. After that, I was told to wait until 30 days. When that time frame came and went it became 45 days. 

Now I'm told that they have over 2 million checks to process and nobody knows when the checks will be mailed. 

At this point I thought I was being scammed. My next move was to call the Wells Fargo customer service number. After this I was told that it is not a scam and I was allowed to file a complaint with Wells Fargo. We are now past 2 months and there are no checks coming at all. I have come to believe they never will. 

I think WF is giving lip service to the courts and doing very little, simply to appear to be working on the problem while they wait out the clock on a court order. What, if anything, can be done to get these checks out of WF? I can hear the conversations in the background when I call. I know I'm not the only person enquiring about my payments.
Consumer complaint received 2018-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

This Short Sale has been in process for over a year and has been delayed by OCWEN, not I, XXXX XXXX XXXX. 

I have put a tremendous effort in order to complete this Short Sale and am determined to complete it and leave on my own volition since it has been my family home for over 50 years. 

I have attached the new contract with the existing cash sale for over a year and the corrected Settlement Statement in order to expedite this Short Sale in 30 days or less. 

Please note OCWEN keeps putting off the Sale for only XXXX XXXX on the Settlement Statement and before that an " e '' was missing from the word Street on the physical address. 

Please help us reach a solution.
Consumer complaint received 2023-09-21
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. (MD)

You are in violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- Permissible Purposes Of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave XXXX any written instruction to furnish a consumer report. No consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached. Furthermore, you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. Fairness, impartiality and a respect for my right to privacy was not extended to me. You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my consumer report and file.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I had some automatic payments withdrawn from my account, but I was showing a positive balance because the transactions were processing. On XX/XX/XXXX I had put gas to which the transaction did not decline. I also have overdraft protection that allows 24 hours to make a deposit to be able to avoid an overdraft fee. On XX/XX/XXXX I was charged {$37.00} in overdraft fee to which i was willing to pay but then on XX/XX/XXXX I was charged {$74.00} overdraft fee. Then on XX/XX/XXXX again i was charged {$37.00}. I called the bank to advised of a financial hardship to see if I can get the fees reversed, I was told that they could not reverse the fees since they had already done so for me in XX/XX/XXXX so I asked to speak to a supervisor to which i was still told No. So I was able to get some help and bring my account positive, after paying them {$140.00} in fees. Then XX/XX/XXXX I had some payments come out to which I transferred through XXXX some money to be able to keep the account positive and not in negative standing but on XX/XX/XXXX I was charged once again {$74.00} of an overdraft fee. I reached out to the customer service chat and was told that the fees are accurate and that I needed to make either cash deposits or internal transfer to which I did not understand as XXXX is an immediate way to deposit funds to your account. She advised of the banks strict policy of only reversing a fee within the 12 month rolling period. I also have daily pay and pay a fee to be able to have funds deposited immediately. I am a single mom of XXXX  with no assistance and I am being charged these outrageous fees that I can not afford.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (IL)

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.