davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed the items below but the bureaus did not remove them nor prove validation. 

XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Notice to OPT OUT I have sent XXXX XXXX a letter stating I want to OPT OUT from having my non public personal information disclosed to ANY third party companies. I understand that under 15 USC 6803 ( GLBA ) Act that it is my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. 
Financial institutions must provide consumers with a clear and easy way to exercise this opt-out choice.
Consumer complaint received 2022-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately I demand these accounts be deleted immediately from my credit profile. If not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681 ( a ).
Consumer complaint received 2022-12-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I personally discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$270.00}
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CO)

I opened a checking account on XX/XX/year>. I used the account to send cashier 's checks totaling {$330000.00}. The bank called me and said I needed to close the account. When I asked why, the person said they couldn't tell me. When I went to the bank on XX/XX/year> to close the account the bank manager said she did not know why the account was being closed. Unfortunately, I discovered on XX/XX/year> that I was the victim of online scammers and they got me to send over {$2.00} XXXX. During the 14 months that I had talked to them almost daily, they convinced me they were real and would pay me back. Unfortunately, I was XXXX XXXX XXXX XXXX XXXX  and suffering from prolonged grief ( losing my husband and mother ) and also from XXXX XXXX XXXX I don't understand why the bank didn't give me the reason for closing the account. I now suspect they knew I was being scammed. If they had told me I probably would not have continued sending funds which I did after XX/XX/XXXX totaling {$230000.00} from another bank.
Consumer complaint received 2023-05-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, my CFPB case XXXX got a response from AMEX on XX/XX/XXXX. Why everything else was corrected/addressed but this missing XXXX Membership Rewards Points from my Kabbage XXXX  line of credit account didn't get resolved. I had provided my feedback on XX/XX/XXXX although that CFPB case XXXX was closed. 

I didn't get any response from American Express for the original case which I opened on XX/XX/XXXX XXXX so I opened a new case on XX/XX/XXXX to address this issue. The NEW case number with American Express is XXXX. 

XXXX Membership Rewards Points should be awarded to my account after I meet the qualifying activities on the Business Gold Card and draw at least once from the Kabbage XXXX  line of credit within the first 3 months of Business Gold Card Membership. Please see the promotional offer published ( public offer to everyone ) last XXXX and I did open both Business Gold Card and Kabbage XXXX  line of credit account by the end of XX/XX/XXXX and have fulfilled all the requirements to be eligible to receive this XXXX Membership Rewards Points. Please see the promotional offer details from the picture displayed using the URL below or the image attached. Thank you. 

I need to emphasize that this XXXX Membership Rewards Points Kabbage XXXX  line of credit account is a PUBLIC offer and paired with XXXX XXXX XXXX Membership Rewards ) points for Business Gold. 

Details are as the following : On XX/XX/XXXX, I opened a new American Express Gold Card as well as the Kabbage account ( It's an affiliated bank product called Amex Business Line of Credit - Small Business Line Of Credit ). According to their advertisement, the promotional offer stated that as long as the customer opened these two accounts together as a pair and fulfilled the requirements for both account, I will receive XXXX ) XXXX XXXX XXXX Membership Rewards ) points for Business Gold ( I successfully spent XXXX in 3 months and got XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX Membership Rewards ) points for Kabbage ( I fulfilled all the requirements and did borrow the money from the account at least once. But XXXX XXXX XXXX were not awarded as the promise ). 

I opened a claim with the ticket # XXXX with AMEX Business Gold customer service department XXXX XX/XX/XXXX and followed up with them numerous. It's been no progress at all since then and no updates as well. They just stated the back office needs to look into it. 

After several attempts to try resolving this case without any success, it leaves me no options but to file a complaint here. Please direct this case to AMEX customer service team for me.
Consumer complaint received 2023-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Several weeks ago I applied for a Home Equity Line of credit on the Bank of America online site as I have several accounts already with them. On the application I explained that our home was under a Revocable Living Trust I offered to send a copy of the document, but I was told that there was no need for that. I completed everything they asked for and sent all forms to them. At least two more times I offer to send the Living Trust Document to them each time I was told no need. We get all the way through the process and today I get a call stating that they do no lend on Live Trust only Living Trust. The very first page of my document states clearly Living Trust. All the affidavits I completed and sent out I clearly stated I was the Trustee. My daughter is also a Trustee and she too signed the Affidavit as they requested. The person calling me clearly does not know what they are talking about. I clearly stated also that I had a POA for my husband whom has XXXX XXXX as his name is on title. This was recorded which included two letters from physicians stating his inability to sign. I provided all documentation and completed all the paperwork. I want the inquiry removed from my credit report as it was pulled under false pretenses. If I had been told in the beginning, I would have not moved forward. The gentle man I have been dealing with is XXXX XXXX XXXX XXXX # XXXX.
Consumer complaint received 2024-03-29
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. (IL)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DC)

Last year I moved out of my apartment and received my security deposit from the leasing company via check totaling {$1700.00}. I had just recently created a Chase checking account and decided it would be best to deposit the check into the new checking account to ensure I had funds in it. I did so via mobile deposit on my phone. About a month or so later, I received a letter in the mail from Chase bank notifying me that they were closing my bank account and holding onto the {$1700.00} of the security deposit. After several attempts to understand the situation, by both going into a local branch and calling several Chase phone numbers, I was told that the check had to be verified by the landlord/leasing company ( XXXX XXXX XXXX XXXX XXXX XXXX . I provided all the numbers my leasing company shared with me, but Chase would not accept any of them. I then asked if they would just return the check to the leasing company ( check writer ). That way the leasing company could then void this check, write me a new one and I could cash it directly with their bank ( XXXX XXXX ). However Chase Bank said they would not do so. They would continue to hold onto the money until it was verified, however every phone number I provided for the writer of the check they would not accept. I asked the leasing company ( XXXX XXXX XXXX XXXX XXXX XXXX ) if they would be willing to go to a branch with me to verify. I provided all of the information that Chase said would be needed : 1 ) Proof of ownership of the business ( ex : certificate of the LLC or Inc ). 
2 ) Proof that the check was written by the business owner ( ex : business checks have a receipt at the back of a checkbook or a letter from the account that has all necessary information ( date, amount, check number ).

3 ) ID ( 2 forms ) ( ex : drivers license, debit card, passport ) The management company who sent me the check replied with the following " We are the property management company for XXXX XXXX XXXX, we do not own this property. Please ask your bank what they actually will need from me. '' Although I had provided that to them. 

It seems that the management/leasing company who has changed their names several times doesn't have a phone number that Chase will recognize. And given Chase won't cancel the check/return to the funds to the leasing/management company and the management company will not take any further steps to address the issue ( their last communication to me was I just have to deal with the bank because the {$1700.00} was pulled out of their bank account already ), I'm at a loss on how to proceed. Chase will continue to hold onto the money and give it back to the state as unclaimed funds although I keep attempting to claim them, but they will not accept my efforts to do so. Any assistance would be greatly appreciated. Thank you!
Consumer complaint received 2023-05-30
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. (IL)

XXXXXXXX XXXX  XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. Shellpoint is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 2017-03-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I rented a car from a XXXX at XXXX that put a hold on my card that was equal to over 5X the cost of my rental. I was informed that when the car was returned that the hold would be released immediately. When I returned the car I verified with the merchant that they had released the hold and I had a conference call with the credit card company so that they could verify directly with the merchant via the transaction ID that the charge was not valid and that they could release the hold however the credit card company refused to do so. The credit card company was AT & T Universal Card and I have been a card holder with them for 20 years and they refused to even issue a pending credit back to my card to allow me to rent another car which was needed for a trip out of town despite verifying directly with the merchant that the charge that was in their system was not valid. I consider it fraud to hold a credit on an account that is not valid and can be proved not just via paper receipt but directly via merchant.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX is ( 1 ) removing money from our Citizens Bank account without our knowledge or permission and ( 2 ) not allowing us to remove or decouple our Citizens Bank account or ATM/credit card from their system. This is like a burglar not allowing you to close your own window.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (OH)

On XX/XX/2023 there was a web initiated withdrawal of {$800.00} to XXXX XXXX XXXX XXXX. I noticed the illegal transfer on XX/XX/2023 at which time I went to XXXX XXXX XXXX  to dispute the transaction. XXXX XXXX immediately locked the checking account and submitted a fraud complaint. The {$800.00} was returned to my checking account. The XXXX XXXX  XXXX I received a collection letter from TRS Recovery Services , Inc. ( TRS ) seeking to collect the {$800.00}. TRS is now the owner of the debt. I went to TRS 's website and submitted its online Forgery/Identity Theft Declaration which I included the letter from XXXX XXXX regarding resolution of the fraud complaint.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

RE : Social Security Number : SS # : XXXX and account reported from : XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER HOLDINGS USA, INC. (MA)

It looks like I have had both Checking account as well as line of credit through Santander. Since I had forgotten about them both my Checking account had {$0.00} balance for a long time but instead of simply closing this account for XXXX balance on XX/XX/2023 Santander decided to withdraw {$50.00} from line of credit to go towards Overdraft protection fee. 

So, My complaint is two fold. First is that Santander should have just closed account with XXXX balance rather than all of sudden withdrawing {$50.00} from line of credit. Second is whether this bank regularly does these type of things to their other customers as well and customers might not even know about it.
Consumer complaint received 2022-11-29
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. (NC)

Description 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ,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 2024-03-29
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. (CA)

I am filing this complaint to notify the consumer reporting agencies : XXXX, TransUnion and XXXX, that I have opted out with XXXX XXXX to stop sharing my nonpublic personal information with nonaffiliated third parties. 

COMPLAINT ID # : XXXX Submitted on : XX/XX/2024
Consumer complaint received 2024-03-29
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION (KY)

I have e-mailed XXXX and have called XXXX about adjusting my APR under XXXX XXXX XXXX XXXX XXXX ( XXXX ). They have repeatedly told me each time Ive called that their computer system cant change the APR rate. Ive tried asking for a supervisor and each time they have told me their supervisor is not in today. Then Ive tried asking for any manager. The employee on the line proceeded to tell me to stop wasting their time and I can hang up. More recently XXXX XXXX I called asking to be transferred to the American office. The employee told me he cant and doesnt have a way to reach an American counterpart. 

When I tried to email them asking to talk to someone about SCRA, I received this response back : Thank you for reaching out regarding the Oportun Visa Credit Card. Your question is very important.If you have any questions about your application, please call XXXX, from XXXX XXXX - XXXX XXXX XXXXXXXX Mon - Fri or XXXX XXXX - XXXX XXXX XXXX Sat Sun.If you have any questions about your account, please call XXXX, from XXXX XXXX - XXXX XXXX XXXX Mon - Fri or XXXX XXXX  - XXXX XXXX  XXXX Sat Sun. 
You can visit Oportun.com/creditcards at any time to login and view recent transactions, statements, set-up account alerts, or to review your account information. 
Also you can visit our web chat Credit Card service in our website www.oportun.comSincerely, Oportun General CC SP. 

I tried calling the XXXX as another line and the employee said he couldnt find me and I needed to provide a credit card to verify my identity. I tried to give the Oportun account credit card but he said he couldnt use it and to stop wasting his time and I could hang up if I wasnt going to give him a valid credit card number.