davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states 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 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have 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 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

We transferred {$4400.00} via ACH transfer from XXXX  XXXX XXXX to Citi bank located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX  in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( XXXX ) to amend the request and correct account number. I contacted immediately to XXXX customer care and they said we can't do anything except sending recall request for ACh transfer. I called every day to check the status but XXXX always informed that it can take upto 45 days for citi bank to respond. We tried to contact multiple times to citi bank and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between citi and XXXX XXXX XXXX. Till now we made more than 20-25 calls to XXXX  XXXX XXXX and citi. 

Today I called XXXX XXXX XXXX and they are saying Citi replied back that they can not reverse the transaction. 

I don't understand, why can't they reverse the transaction? why it's been holding from almost last 3 months? 

Really really bad experience ....!! I
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Direct Mediation (OK)

XXXX XXXX, who identified himself as a representative from the civil processing division of First Direct Mediation, repeatedly tried to get ahold of me, starting on Tuesday, XX/XX/21, about a pre-litigation complaint allegedly filed against me. He referenced a file number XXXX. He stated that I only have XXXX hours from that date to either call myself, or have my attorney call him to make a formal statement, but he didnt say in the voicemail what the complaint was about, or who his client is making the complaint. XXXX XXXX XXXX then proceeded to call my father, XXXX XXXX, trying to get ahold of me about the same issue. XXXX XXXX then tried to call me today, XX/XX/21 about the same issue, only this time in the voicemail, he stated I had until XXXX XXXX to respond myself, or with my attorney, otherwise his client would proceed further by verifying my employment, and sending out notification for me to appear in court. Again, XXXX XXXX XXXX did not state in the message what the complaint was about, nor said who his client was making the complaint. I feel very harassed that XXXX XXXX would not only threaten me with verifying my employment, but continuously trying to contact me, and even my father, and not even supplying me with who his client was and what the complaint is about. I need XXXX XXXX to stop harassing me, otherwise I will contact my attorney, and take legal action against XXXX XXXX and First Direct Mediation for harassment.
Consumer complaint received 2022-03-01
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. (FL)

Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to XXXX, Equifax, XXXX. On multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (CA)

Hi, my prepaid debit card through card.com got hacked. Somebody managed to withdraw cash at XXXX transactions on XX/XX/XXXX for - {$100.00} and - {$43.00}. I called and filed a dispute through card.com which they declined.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (NY)

I applied for credit on XXXX through synchrony bank. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from XXXX XXXX is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. 



Thank you
Consumer complaint received 2022-04-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (GA)

On XX/XX/2021, I sold a house and the private lender was paid in full on XX/XX/2021. 
However, the company, XXXX XXXX XXXX and its Servicing company, Fay Servicing failed to record the Cancellation of Security Deed until XX/XX/2021. 

I received a letter from Fay Servicing , LLC ON XX/XX/2021 to inform me my right to demand {$500.00} in damages due to their failure in the event a copy of my Satisfactory/Release/Discharge/Reconveyance was not provided to XXXX XXXX recorder within 60 days of payoff. 

I have since wrote them XXXX times, email the company XXXX times, contacted the company by phone XXXX times and it appeared that the company is as evil as it can be. 

The excuse I received by email was that on the date of the closing, the mortgage was sold to another bank, which Fay Serving did not send me any notice in writing of such event, nor did XXXX XXXX XXXX. 

I would like to file a consumer complaint for their shady practices and to pursue the damages entitled to me. 
And I would like to know if there are other victims from doing business with these XXXX companies for potential XXXX XXXX lawsuit, Thnak you for your time and assistance.
Consumer complaint received 2022-04-10
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX rXXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXXn, XXXX XXXXu 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 instruction.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In late XXXX, XXXX, I had a credit of {$.00} on my credit card account with Bank of America. I've had this credit for at least, 6 months. All of a sudden, the credit disappeared. I assumed, the money would be issued in form of a check or receive some correspondence of what happened to the credit. I contacted BofA ( XX/XX/XXXX ), to inquire what happened to the credit. The associate checked and verified that they did " not '' issue a check and attempted to research what actually happened. They could not explain what happened to the credit and would put in a request for it to be returned to the account. I called again ( XX/XX/XXXX ) and was told, it could take up to 10 business days for it to be returned to the account. I called again ( XX/XX/XXXX ) and was told, it will take up to 10 business days ( from today XX/XX/XXXX ) to receive a response by mail, to explain what happened to the credit. There are several things disturbing here : Why was it taken? Why is it taking so long to return the credit ( it's be more than 11 business days )? Why do I have to wait, for up to, another 10 business days for a written response? My concern is, this is a hidden business practice of " stealing '' money from unsuspecting customers and hoping they don't notice. I understand, this is a small amount of money but, if you multiply it by millions of customers, it can add up. It's the principle, not the amount of money!
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting inaccurately the amount of time the account has been 30 days, 60 days and 90 days past due as compared to XXXX and XXXX. The firm in question is XXXX XXXX XXXXXXXX. This firm is also currently under litigation by the attorney generals of several states for illegal and unfair practices towards consumers.
Consumer complaint received 2022-04-10
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without written instructions.
Consumer complaint received 2022-04-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

This is regarding a hard inquiry : XXXX XXXX XXXX  on XX/XX/2021. 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but Equifax provided me with no concrete proof that it was authorize by me. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.
Consumer complaint received 2018-11-25
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. (SC)

I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/XXXX with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter.

Filed identity theft with FTC on XX/XX/18.

Placed fraud alert on XX/XX/18.

Filed police report on XX/XX/18.

Filed certified with credit bureaus on XX/XX/18 with return receipts.

Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, XXXX XXXX ( Owned by Merrill Lynch Bank of America ) and XXXX XXXX ( Director Division Manager ) were notified that there was an error in their system that caused my Market Order Buy Trade from my XXXX account not to be executed. And because of this error and the reasoning of that error ( their system doesn't allow you to trade a Market Order if its 95 % percent of your account ) is something that I as the customer was never informed of when I opened the account or was in there terms of service that I signed. For this reasoning, I asked they retroactive my limit order to later get my trade in of XXXX  ( XXXX  ) @ {$37.00} to be changed to the time that the market order would of been executed @ {$36.00}. However, they weren't willing to change this. XXXX send me the terms of service and pointed out paragraph 9 as his reasoning. In Paragraph 9 it says basically, " The customer is responsible for all their trades ''. I told him this paragraph includes nothing about 95 % limit of account to execute a market order at all. So I didn't agree to that term and he must change it. Second, " I'm not responsible for their flawed system. '' XXXX and XXXX XXXX XXXX decided to suddenly close my account and not allow me to sell or buy equities. This lead me to have to rush and open new account and have to deal with this issue all day. Taking away my mental and financial focus on my trading. I was planning to make a trade of XXXX when it reached the break even point of {$41.00}. However, if my market order was executed my break even point was {$40.00}. The Stock never reached {$41.00} but reached {$40.00} several times. So I was forced by XXXX and his teams actions, to hold on in hope it would reach {$41.00} the next day. Also, I had no idea if I could sell it the next day. The next day the stock and my account dropped {$3000.00} dollars in value. This cause me to have XXXX  XXXX  and extreme Financial fear. This emotional damage caused by XXXX XXXX and XXXX XXXX closing my account and not retroacting my trade is beyond unlawful and unethical. They need to be held accountable for their actions and the predatory practices. CFBP, I request you investigate and fine them if you find they go agains CFPB laws and regulations. Also, that I be compensated for my financial and emotional damages.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (IL)

Hunter Warfield CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX  XXXX District of Columbia, XXXX To : The Office of Registered Agent for Hunter Warfield From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Acquistions are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (MI)

XXXX fraudulently along with Barclay Bank declined my application but sent me a credit card and denied me any reward benefits on my purchase. In other words, I was denied any benefits and they declined the application in store but sent me a card anyway, pulling my credit and opened and sent me a card WITHOUT my permission!
Consumer complaint received 2018-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (FL)

I made a transfer to an account located in the XXXX ( international ). The transfer amount was {$1800.00}, and the transfer was made on XX/XX/XXXX. 
The bank, BB & T, charged {$56.00} for an " International Assessment Fee '' ( deducted on the same day ) .I complained, asking what this was for ; the reply was " This is our policy. '' There is no service corresponding to this fee. 

On XX/XX/XXXX, I made an ATM withdrawal while travelling in XXXX. The amount was {$83.00} ( XXXX Bank, XXXX ). Once again, I was charged an " XXXX XXXX XXXX '' of {$2.00}, deducted from my account on XX/XX/XXXX. There is a separate ATM usage fee of {$5.00}. 

It is difficult to see why an ATM withdrawal made from a major bank would require " assessment. '' There have been repeated charges of this type on every international transaction, always without any justification. 

I would ask the CFPB to intervene as this is a disgraceful abuse of my account.
Consumer complaint received 2018-11-20
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. (FL)

On XX/XX/18, I was notified by XXXX XXXX that my name had been changed on my credit report and that I had 4 hard inquiries recently added. I found that this had all happened on my Equifax report. I submitted an online dispute for the inquiries and a few days later received an email stating that the dispute was concluded and I needed to log on to get the results. I tried doing that and received an error message saying I needed to call in. For the last WEEK, I have been trying, to no avail, to get this taken care of with Equifax. I am being told over and over to " call back in 30 minutes because the system is updating. '' FOR. A. WEEK. What kind of incompetent company has their fraud department going through a system update for days at a time???? I am very clearly going through identity theft and I can't even get it handled so that my credit isn't further affected. I need a resolution! PLEASE HELP.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (IL)

I have been contacting Barclays, who appear on my credit file as BRCLYBANKDE, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a credit card of some sort. On my XXXX report, there are inquiry date of XX/XX/2018. Neither of these did i authorize or give permission. They are a result of fraud.
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (KS)

My name is XXXX XXXX I am XXXX yrs old. 
In XXXXI got a loan from XXXX XXXX for {$500.00}. the intrest was to be {$87.00} I paid {$71.00} in XXXX, I paid {$180.00} in XXXX, I paid {$210.00} in XXXX {$200.00} in XXXX {$180.00} in XXXX. they gave me an add {$110.00} in XXXX. took another {$180.00} in XXXX. I changed act. as to me this should of been paid in full. they attempted to charge me another {$220.00} the first week of XXXX. and are claiming I now owe them over {$600.00} They have black marked my credit file and thus claiming I did not pay any money on the loan. all I paid was intrest fees. and it is going up and has stopped me from getting a bank loan to keep living. I know my payments more than paid the loan. want something done about it. my address is XXXX   XXXX. XXXX XXXX lot XXXX in XXXX ks XXXX, my phone mess. is XXXX thank you.