davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

For several months, I've tried to fix errors on my credit report with TransUnion. They are STILL showing inaccurate information regarding 2 different accounts. They are reporting closed & included in a bankruptcy verses Paid in Full regarding XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX, which has been paid in full since XX/XX/XXXX and not included in any bankruptcy. The account of XXXX XXXX XXXX shows late and included in a Bankruptcy, but the debt was sold years ago and was a write off for this company which means that the account should be deleted as I'm not liable or responsible per the FCRA. 
XXXX XXXX constant refusal to fix their errors has caused me stress and thousands of dollars in higher interest when credit is needed. They are in violation and this needs to be rectified.
Consumer complaint received 2021-02-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Today, I am currently on the line with Equifax disputing incorrect personal information they have on my credit profile. Additionally, I asked for a copy of my most recent credit report and they said they have to send it to the current address they show which does not belong to me and that I have disputed multiple times. They are aware of my current address since they have mailed me a copy of my credit report within the past 6 months, and all of my creditors are reporting my current address. This has been a major ongoing issue with Equifax because every month I am finding incorrect information that has been added or information that has been removed 10 years ago readded out of nowhere. I have over 20 disputes regarding personal information. When I asked to speak with a supervisor the representative transferred me to their survey vs handling the issue at hand.
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (NY)

I am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). experian. ive sent a complaint through the cfpb for this account and they replied by saying they verified the account with the data furnisher. and they haven't removed this fraudulent account. i filled out a ftc report for this account. pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed. Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, this is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. experain said that it verified this with the data furnisher, how can you verify a charge off with a balance. that is impossible and an obvious inaccuracy. experian is breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; 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.
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

I have paid the debt as of XX/XX/2022. On the same date, the collection agency reported that the debt was still owed. I am attaching all the documents to support that the payment has been made. I have included the document that illustrates the phone you can call to verify the money has been cashed. When I log into the collections agency 's website it also shows it has been paid.
Consumer complaint received 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I attempted to purchase a {$40.00} XXXX XXXX from XXXX XXXX XXXX thru pay pal- they did not disclose the shipping amount at checkout. then they charged my account over $ XXXXUS for shipping of this item from XXXX XXXX charge was in Pounds.- So I immediately contacted Pay Pal and submitted a case for fraudulent charges Case # XXXX, they denied the claim and then I submitted an appeal saying you can not charge people for an undisclosed shipping amount its illegal. I also put a stop payment thru my bank account to make sure I did not pay the financial crippling charge for shipping the item. The bank did return the draft and now PayPal is saying that I owe them the money- I contacted pay pal again today and explained the situation and told them I had done everything I should have by immediately alerting them to the situation and alerting the company. They stated XXXX they don't care they want the money. 
I also corresponded via email with the actual company multiple emails requesting confirmation of cancellation of the order and have not received that back yet from them I called my Congressman XXXX XXXX XXXX and they reccommended that I reach out to you for assistance regarding this matter. 
Here is a copy of order XXXX XXXX SKU : XXXX XXXX XXXX  XXXX XXXX - Delivery w/c XXXX XX/XX/2021 XXXX XXXX Delivery Method : Delivery Unavailable please contact us Products : Delivery : Including VAT @ 20 % : XXXX XXXX XXXX TOTAL XXXX this is this was one of the emails from PayPal XXXX XXXX SKU : XXXX XXXX of XXXX XXXX - Delivery w/c XXXX XX/XX/2021 XXXX XXXX Delivery Method : Delivery Unavailable please contact us Products : Delivery : Including VAT @ 20 % : XXXX XXXX XXXX TOTAL XXXX This is what PayPal says I owe them {$14000.00} USD
Consumer complaint received 2021-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (GA)

I have called Axos XXXX/Axos Bank on several dates since XX/XX/2021 concerning a withdrawal in the amount of XXXX that began on XX/XX/2021 and has been pending since as well as a deposit that began on XX/XX/2021 for XXXX. It is important to note that the deposit of XXXX cleared from my bank account at XXXX XXXX XXXX XXXX XXXX XX/XX/2021. I am very concerned since this was a change of platforms not of companies yet there are several issues with me being able to access my money. I am also concerned that they will " lose '' my money if I asked to have it transferred to another bank. In total I have a little more than {$24000.00} in this bank and I am very concerned I will lose access to my life savings. Please help.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MD)

I have been making purchases from home depot using the home depot credit card for many years and continue to be charged for items ordered but not yet picked up or delivered. The retailer will charge my credit card and begin assessing finance charges even if I don't have the item. I most recently XXXX XXXX, 2020, made a {$3000.00} purchase at the XXXX  XXXX at the XXXX va home depot but I wasn't able to pick up or otherwise take the items charged with me. My contractor later visited the store and it was decided not to pickup but instead to cancel the order. As of XX/XX/2020 I was billed as if I took possession of the products. This has happened many times and credit services will not credit the purchase. Home depot requires that I go back to the store so they can release the products from inventory thus making it obvious that the products never left their warehouse
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I feel like I am in a living XXXX! I am beyond angry and frustrated with Bank of America! I sold my plasma at XXXX XXXX in XXXX ID. The money went on a Bank of America prepaid debit card.. On XX/XX/2020, at age XXXX, I aged out of being able to sell my plasma. I shredded my prepaid card.. Ever since then, I have gotten statements EVERY MONTH CHARGING ME FEES. I tried to stop the statements. I got told that it was up to XXXX to cancel the card. I went back and forth between XXXX and Bank of America for months. I was told by XXXX that it was taken care of. Still recieved statements. XXXX cc 'd me on an email they sent to someone supposedly at Bank of America. Got no response from that email. What's interesting is that fees got taken off my statement, but then I would get charged the next {$1.00} fee. I thought maybe after a year they might stop billing me. No such luck. I finally called the customer service number on the statement. Called got as far as escalations. Said it was taken care of. Still got statements with new fees. Called again last month got to escalations again, spoke to XXXX in Tennessee. She put me through to an escalations supervisor XXXX in Texas. He assured me that the matter would be taken care of and I wouldn't get any more statements. Well low and behold I got another statement. The previous fees had been erased, but they added a new {$1.00} fee. I finally decided to go to a consumer protection agency, you. Please help, I have been fighting this for almost a year and a half!
Consumer complaint received 2020-07-06
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. (CA)

I applied for a business loan today XX/XX/2020 but I did not get approved because of an account from a company called XXXX XXXX XXXX reflecting badly on my credit report. I had no idea that this account was on my credit because it's not mine ; I never opened this account nor do I have any written or verbal contract with this company and I never gained anything from that account being open in my name such as money, goods, services or any other benefit. I don't know who could have opened this account on my behalf with my personal information but I have never given anyone permission to do so therefor I have already filed a police report. I also never contributed to any payments that might have been made towards that account balance. I have filed this report to the best of my knowledge.
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (NV)

15 U.S. Code 1681i - Procedure in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXXYEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LendingPoint Holdings LLC (FL)

I XXXX XXXX entered into a consumer credit transaction with LendingPoint/ XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX XXXX/ Lending Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX LendingPoint also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed inaccurate information about a XXXX late payment in XX/XX/2020 with XXXX XXXX ( Account number # XXXX ) on my Transunion credit report XXXX Report Number XXXX hard copy ). The results of Transunions investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For Transunion to change what was initially being reported as accurate on my credit report ( XXXX day late payment in XX/XX/2020 XXXX means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this XXXX day late payment. 

How could Transunion report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with XXXX XXXX and on their online account system it shows that XXXX payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like XXXX XXXX who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XXXX XXXX of 2021 I opened an account online. During this process I called at le ast two times and verified and authenticated my personal identity with the instituti on. On XXXX XXXX I was issued an account number, signed up for online banking, a nd ordered checks. On XXXX XXXX I deposited {$100.00} in person at a local branch to fin d the account. I met with a banker who verified my personal identity with two form s of identification ( US Passport and US Passport Card ). She also issued me a debit car d. I withdrew {$20.00} from the ATM on site and used my card for a handful of transactio ns. On XXXX XXXX I provided instructions for a transfer of money to be sent to this account t using the account and routing number that had been provided to me. On XXXX XXXX I was advised the bank closed my account due to fraud suspicions, and t hat they were unable to verify my identity via the information that had been provid ed online. I was told that I could step into a branch with two forms of ID and try agai n. I was told a letter would be sent explaining more information. On XXXX XXXX I tri ed to cancel the funds transfer that Id initiated on the XXXX but I was not successful. On XXXX XXXX I received a deposit in the amount of {$11000.00}. On XXXX XXXX I was t old that the bank would not be returning my money ever and that the account was under a closing process. In person, on XXXX XXXX I was given different information in the branch by XXXX and XXXX. They both told me Id get a letter and a check for my funds within a day or two. Im seeking that the bank be forced to release the money that was lawfully and rightfully placed in the account, and disclose the reaso n my account was closed.
Consumer complaint received 2024-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am an XXXX citizen, at the end of XXXX XXXX  I wanted to close my bank account at Bank of America. I wired my remaining money to my XXXX bank account and after that I called customer service to close my account. I made XXXX transaction XXXX did arrive to my XXXX bank account but the second was rejected and I was being issued a check. Unfortunatelly n the XXXX XXXX banks don't cash checks anymore, so Bank of America rules should be changed in case of overseas customers, because if they send a check to XXXX it doesn't worth a XXXX. Anyway I waited almost half a year, the check has never arrived to my address. I had no choice but to buy a ticket to XXXX XXXX from XXXX because in customer service I had no trust anymore, and I can not use check in XXXX. In XXXX I went to Bank of America to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ) but unfortunately the information I was being told was not correct again! The employee didn't answer to my questions about my check whereabout, and also he told me that I can only get another check in 7-10 business days which is incorrect because in urgent cases it can be done in 2-3 business days. He also told me another incorrect information, that I can open a Bank of America bank account and cash the check using their app if I am in XXXX, despite I told him I don't live in XXXX, don't have XXXX  address therefore it's not possible to open a Bank of America bank account. This employee issued another check to the place I stayed in XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX  ), despite he knew I was not going to able to receive, since I could only stay few more days. Right now I can only call their customer service again and ask them to mail the check to my XXXX address, but I doubt they will mail it, and even if they did, I can not cash it. 

My complaint is, I could reslve my issue and receive and cash my check, but of this employees mistake I am unable to get my money back and I wasted my time and money for nothing.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

My home was purchased as a new construction in 2019 for {$440000.00}. Due to resales in the community that indicated that the values of the homes have increased dramatically, I made a request to my mortgage holder, Firstbank to have my home re-appraised in an effort to have the PMI removed. In an email to senior management at Firstbank, I confirmed that my home would have to appraise at {$480000.00} or higher to remove the PMI ( attached email ). I paid for the appraisal and it was performed by an appraiser chosen by the bank and/or XXXX XXXX. While the appraiser was performing the appraisal, he took notice of all the updates and upgrades I did and mentioned several times that the house would easily appraise at about the XXXX to XXXX amount. 
The attached appraisal came in at XXXX and oddly did not include all the upgrades I did and did not include the recent home sales in the new community I live in. Nonetheless, it did exceed the {$480000.00} amount needed to remove the PMI. 
Now Firstbank sent me an email stating that my loan is ineligible to have PMI removed ( attached ).
Consumer complaint received 2018-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Equifax failed to provide me with actual documented proof that the accounts listed on my credit report are in deed mines. I first requested this via certified letter that was received by them on XX/XX/2018 and again on XX/XX/2018. It's been well past 30 days and I've just checked my report again tonight and there's been no changes. I received an update from them dated XX/XX/2018 stating still several inaccuracies and still no type of proof that the accounts belong to me.