davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-29
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. (FL)

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 XXXX : 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 XXXX 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 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

Hi, Citi bank unilaterally closed my credit card with them, shortly after I paid the annual membership fee of {$490.00}, and has refused to refund me the annual membership fee. 

I have had a Citi prestige card with Citi for 5 or 6 years now, and have paid the annual fee each year ( except for the first year where it was waived ). Each year I pay {$490.00} for the card, which I consider a sizeable fee, to avail the services for the full year. 

This year, on XX/XX/2021 Citi charged me the annual fee of {$490.00}. Subsequently, on XX/XX/2021, they sent me a message that my account was going to be closed - a unilateral decision on their end, because my billing address is outside of the United States and their policies serving non-US based customers has changed. 

Even though they cancelled my card shortly after I paid the fee, they are unwilling to refund my annual fee. I have called multiple times and sent multiple emails. Basically I paid {$490.00} with the expectation I would have my credit card for a year, and they are only providing 2-3 months of service, and are not wiling to giving me my money back! 

This is extremely unfair and that I've been tricked out of {$490.00}. I have had some sympathy from the Citi customer service team but they have NOT refunded me the fee. One representative tried to initiative a refund, and in fact I received an email saying that they tried to initiate it, but was later informed that their back office rejected it and the refund was never paid. There seems to be a clear mandate from their operations team to not issue this refund. 

I would appreciate if you could help resolve the matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MN)

The Barclaycard US claims that it gives direct statement credits for travel related expenses, which they list to include hotels, air fair, car rentals etc. They used to actually give these rewards. Now they have stopped giving them with the excuse that the charges aren't 'coded ' properly. However they do not say what the correct code is, they can not tell me what the wrong code is and the the vendors I have talked to about this say that they have no idea what the card company is talking about because they aren't coding their charges any differently. 

I've had many examples of this happening, but to give just one : on XX/XX/2021 I stayed at the XXXX XXXX XXXX XXXXXXXX in XXXX MT. Clearly this is a hotel. Yet the charge wasn't credited for the rewards category. I called customer support and they gave me their now standard nonsense excuse about the coding.
Consumer complaint received 2021-04-09
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2023-04-04
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: LEXISNEXIS (VA)

On XX/XX/, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

- According to, U.S.C. 1681 section 602 A. states I have the rights to privacy.

- According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-12
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. (AZ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/2023 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OR)

I opened a savings account with Cit bank online. I travelled overseas for family 's medical reasons. I was informed by a Citi representative over the phone prior to leaving the United States that I can call in to request for a verification code in order to wire transfer funds. They normally send this verification code via text on the mobile phone number on file. However, a client who has no access to receive such text may also opt to call in for verification. Since I have no access to my US mobile phone while I am overseas, I called in for verification. I did everything they asked me to : I passed all the security questions they had in place to prove my identity, I called them long distance ( from abroad ) for hours on end. 

The problem : Citi blocked my online account - I have advised them duly of my travel plans and they said that would not be a problem. They informed me that even though I do not have access to my US mobile number for account verification, that I can call in answer their security questions and I will have no trouble accessing my account overseas. Yet, every time I tried to access my online account they would block it. They said they already lifted the restrictions on my account because I passed all the security protocols in place, yet they still could not grant me access to my online account. I am still using the same username and password since I opened the account, but Citi could no longer activate my online account, leaving me without access to my savings account while stuck abroad. 

I called them more than 20 times in the last XXXX hours but they keep giving me the run-around with no solution in sight. Please help me. All I need is to access my account using the same credentials I used when I opened the account. Nothing has changed except that I am currently overseas with no access to my US mobile number. I need to desperately wire money where I am overseas as I am running out of funds for medical and daily needs. I relied on Citi bank 's promise of global banking and online accessibility, but it has failed me.
Consumer complaint received 2021-08-12
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. (TX)

I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information to the agency has made known over recorded lines that they do not have any open accounts with me and have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove this account from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verificationfrom lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is serious, I am worried regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.
Consumer complaint received 2022-12-28
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 ( XX/XX/2022 ) 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 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX SUBJECT : REQUEST FOR PERMANENT OPT-OUT AND BLOCKING OF PERSONAL INFORMATION BY XXXX AND CORELOGIC To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX and CORELOGIC, INC., requesting that these companies take immediate action to permanently opt me out of their credit reporting systems and block my information from being sold or shared. 

SPECIFIC REQUESTS : 1. PERMANENT OPT-OUT : I request to be permanently opted out of XXXX and CORELOGICs databases, ensuring that no personal or credit-related information about me is shared with third parties under any circumstances.

2. BLOCK MY INFORMATION : I demand that both companies block my information entirely and ensure that no reports or data concerning me are provided to any creditors, lenders, or other entities without my express consent.

3. PROVIDE A PIN : Please provide me with a Personal Identification Number ( PIN ) that would allow me to unblock my information in the future, should I choose to do so.

4. CEASE SELLING MY DATA : I demand that XXXX and CORELOGIC immediately cease selling or otherwise distributing my credit report or personal information to any parties. 

BACKGROUND : As a consumer, I have the right to control how my personal and credit information is used and shared. Under federal laws, including the Fair Credit Reporting Act ( FCRA ), I am entitled to opt out of credit reporting systems and protect my information from unauthorized access or distribution. 

XXXX  and CORELOGICs practices of compiling and selling consumer data without proper consent are concerning, and I am requesting the CFPBs intervention to ensure these entities comply with federal regulations and my specific requests. 

RESOLUTION SOUGHT : I am asking the CFPB to : 1. Investigate XXXX  and CORELOGICs handling of my personal information. 
2. Ensure both companies honor my request to permanently opt out of their databases.

3. Require them to issue a PIN for future access, should I choose to unblock my information.

4. Confirm in writing that my personal information has been blocked and that no further data sharing will occur. 

This matter is of significant importance to me, and I trust the CFPB will take the necessary steps to protect my rights as a consumer. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX H XXXX, NY XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I never received my settlement check from the Equifax XXXX XXXX XXXX. I initiated XXXX separate conversations with the XXXX at XXXX between XXXX and XXXX of XXXX, and each time I received either no response at all or a form response asking me to provide information that I had already provided. I responded to every email I received from ... XXXX  and provided all of the information that was requested, even when they simply sent me the same form several times in a row, but I never received confirmation that any correction had been made and I have still not received my settlement check. Equifax has not responded to any messages at all since XX/XX/2023.
Consumer complaint received 2022-07-12
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. (CA)

I 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 any 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 XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (TX)

Early XX/XX/2022 my JPM Chase banker informed me of a grant program offered by Chase when I shared our grassroot events, projects and programs. He soon introduced me to XXXX XXXX XXXX at the Chase branch, XXXX XXXX XXXX, XXXX, TX XXXX. I met her via phone and I soon delivered documents on our non-profit and summary of our projects, programs, etc. XX/XX/2022. However, on XX/XX/XXXX XXXX XXXX emailed that Chase would not be able to sponsor at this time as the projects do not meet four pillars criteria. I asked why she had not provided in advance the pillars, and requested she provide them to me. XXXX XXXX I responded that we are eligible for all the pillars after having reviewed them ; and affordable housing surely one of our priorities. XXXX XXXX she responded she would make some connections to support our affordable housing. No response after we provided the information to XXXX XXXX so I emailed her XX/XX/2022 asking how much longer before hearing from her on our proposed projects for funding by Chase. No word from XXXX XXXX so another request for an update was emailed her XX/XX/XXXX. Still no response so XX/XX/XXXX we received response to our concerned letter to Chase about XXXX XXXX. XXXX XXXX in central giving for Chase is who I spoke to and forwarded copies of our emails to XXXX XXXX. No response from XXXX XXXX ( XX/XX/2022 ) despite email to her today. Chase customer care took our concern but admitted nothing they could do. Corporate Chase did nothing. Federal Reserve contacted and instructed I contact CFPB and file this complaint. Chase ads seen in various newspapers in XXXX, Texas about millions it has to give to disadvantaged neighborhoods, small businesses, etc., yet, we are met with only blockades to receive funding.
Consumer complaint received 2021-03-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Sometime in XXXX I began a refinance on my {$330000.00} mortgage and recently denied without explanation by the loan officer, loan specialist, and their supervisor. I am a XXXX XXXX  XXXX  who deserves to be treated with respect and professionalism for all the sacrifices I made for this great country.