davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

CFPB COMPLAINT : EQUIFAX WILLFUL NON-COMPLIANCE AND CONTRADICTORY RESPONSES Date : XX/XX/year> Prior Complaint Reference ( s ) : # XXXX URGENT ESCALATION - PATTERN OF WILLFUL NON-COMPLIANCE I. CONTRADICTORY RESPONSES FROM EQUIFAX On XX/XX/year>, Equifax issued three directly contradictory responses : 1. Letter One : Claims dispute is " frivolous '' 2. Letter Two : Claims unable to locate credit file 3. Letter Three : Refuses to block information These contradictory responses demonstrate : Bad faith handling of identity theft claims Willful non-compliance with FCRA Pattern of evasive behavior Automated form letter responses without investigation II. CRITICAL FAILURES BY EQUIFAX 1. Failure to Acknowledge Data Breach Impact o Equifax previously notified me my data was compromised o Direct connection between breach and identity theft o Refusing to acknowledge their role in exposure 2. Failure to Process FTC Identity Theft Reports o Multiple reports filed : # XXXX, # XXXX, # XXXX, # XXXX o Reports meet all FCRA requirements o No acknowledgment or processing of reports 3. Violation of FCRA Requirements o 605B blocking requirements ignored o 611 investigation requirements violated o Multiple statutory deadlines missed III. LEGAL VIOLATIONS 1. FCRA 605B Violations o Failed to block within 4 business days o No valid reason provided for non-blocking o Ignored identity theft documentation 2. FCRA 611 Violations o False claim of " frivolous '' dispute o No proper investigation conducted o Contradictory responses issued 3. Consumer Protection Violations o Deceptive practices o False statements o Pattern of evasion IV. TIMELINE OF NON-COMPLIANCE 1. Failure to Acknowledge Data Breach Impact o Equifax previously notified me my data was compromised o Direct connection between breach and identity theft o Refusing to acknowledge their role in exposure 4. Failure to Process FTC Identity Theft Reports o Multiple reports filed : # XXXX, # XXXX, # XXXX, # XXXX o Reports meet all FCRA requirements o No acknowledgment or processing of reports 5. Violation of FCRA Requirements o 605B blocking requirements ignored o 611 investigation requirements violated Multiple statutory deadlines missed V. REQUESTED CFPB ACTION 1. Immediate Investigation o Review contradictory responses o Examine pattern of non-compliance o Assess data breach connection 2. Enforcement Action o Maximum statutory penalties o Mandatory compliance orders o Supervision of response procedures 3. Consumer Protection o Immediate blocking of disputed items o Correction of credit file o Damages assessment I authorize the CFPB to take all necessary enforcement action regarding this complaint.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Per the Fair Credit Reporting Act, you are in violation of Sec. 604 Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

Upon reciept of my credit report from your agency on XXXX I noticed that my credit report has been accessed by the following 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4 EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SVCS 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
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (FL)

I am writing to file a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX. I looked at my report on XX/XX/2024, and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXXXXXX ] [ XXXX XXXX XXXX ] As a result of this violation , I have suffered financial loss and emotional distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I also request XXXX be held liable for any damages and penalties as provided for under the FCRA. 

According to FCRA 15 U.S.C. 1681S-2 : 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. 

Check attachments provided
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been divorced since XXXX The judge order for a name change. I have constantly asked Transunion to please change my last from XXXX to XXXX and they refuse to move XXXX off my credit report. I have shown my divorcee decree, driver 's license, social secuirty card and passport to show my last name has been change to XXXX XXXX and they are still refusing to change my last name. I am so confused on why CFPB can not help with this sitution. This is the second complaint against them and I know there is something that can be done to rectify this matter. The other credit bureau agencies and my credit accounts all have XXXX XXXX on it. Please help me change my last name with Transunion LLC
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

Me and my fathers information was stolen. We have since then continued to file a dispute with the company over and over for the last several years since XXXX.We have requested documentation along with XXXX different police reports as well as the FTC. Per learning more about credit reporting, they are still attempting to collect upon a debt that not only me but my father have provided detailed information regarding the identity theft. In the state of Texas there is a statue of Limitations for attempting to collect on a debt. Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is XXXX years. The debt per what is reporting on the credit beauru became repossessed in XX/XX/2018. The vehicle was then sold and charged off as XX/XX/2018. Still to this date they are still attempting to collect on a debt that we have continued to dispute but will not respond back to any of our letters nor notices. I am wanting to have this account removed.
Consumer complaint received 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IA)

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Violations of Consumer Credit Agreement Dear Sir/Madam, I am writing to file a formal complaint against [ Unknown Name Mobile Credit Acceptance Agent ] and [ Best Deals Auto Sales and Service ] for multiple violations of consumer protection laws in relation to an auto purchase made through a consumer credit agreement. The transaction occurred on XX/XX/XXXX involving the purchase of XXXX XXXX XXXX XXXX The violations include but are not limited to : 1. **Unauthorized Preparation of Contract : ** The consumer credit agreement was prepared by an unknown name mobile credit acceptance agent rather than the dealer, who is not a legal entity in Iowa XXXX thereby engaging in fraudulent activities. 

2. **Failure to Disclose XXXX  Notice or XXXX : ** The agent failed to disclose or provide necessary paperwork regarding the rescission notice, violating numerous truth in lending laws. 

3. **XXXX XXXX XXXX  XXXX : ** The finance charge was misrepresented, not reflecting the sum total of all charges as required by law. 

4. *XXXX XXXX XXXXXXXX XXXX : ** A down payment of {$1700.00} was made to the dealer but was not correctly reflected in the itemization of the amount financed, leading to confusion and misallocation of funds. 

5. XXXX XXXX of XXXX with XXXX XXXX XXXX : ** The agent added the {$1700.00} back into the total price of the car, which was paid directly to the dealer, violating federal laws prohibiting such actions. 

6. **Failure to Disclose Optional Warranty : ** The agent did not inform me that the two-year extended warranty was optional, depriving me of the opportunity to make an informed decision. 

7. **Failure to Disclose Inclusion of Insurance and Service Maintenance : ** Insurance and service maintenance included in the finance charge were not properly disclosed by the agent. 

8. **Failure to Disclose Opt-Out Option for Third-Party Disclosures : ** The agent did not inform me of my option to opt out of third-party disclosures, such as credit reporting agencies or repossession companies. 

9. **Interest Charged on Swindled Amount : ** The {$1700.00} swindled amount was added back onto the total price of the car, resulting in me paying interest on money that was not supposed to be part of the transaction. 

I hereby demand that [ Unknown Name Mobile Credit Acceptance Agent ] and [ Best Deals Auto Sales and Service ] rectify this situation immediately by rescinding the transaction, refunding any overcharged amounts, and providing proper documentation for the transaction. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure that consumer rights are upheld and justice is served. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

My wife and I established a Citibank Credit card for Best Buy. We were purchasing appliances and things we needed as we had just been stationed in XXXX We were choosing to go to XXXX as they had a great deal on the items we wanted. When we spoke to the representative for the Citibank Best Buy Credit card we told them we were going to go with XXXX as they were offering a better deal. The representative asked us to explain and we said we were getting a discount due to my XXXX XXXX status. The citibank representative stated that if we apply for the credit card and do the purchased at best buy we would get a better deal and we would pay less in fees. IF we agreed to do the credit card option. At the time citibank/best buy made us believe that this was because i was XXXX XXXX. Fast foward to a few months ago and we are hit with a finance charge of almost XXXX XXXX XXXX When we ( my wife and I ) contacted citibank the representative said that this was a mistake and deceptive sales practice and transferred me to their XXXX XXXX XXXX ( or so they call it ). They said they would correct it. It took them weeks to get back to us and when they finally did it was to say I was being sent to collections. I advised them their department told me not to make payment during the investigation and that I would be receiving a phone call from a place called XXXX XXXX XXXX. This has not happened and Citibank is requesting to see direct deposits from my checking account to " prove '' that I was in the military during the time they sold me the credit card. Im not an attorney but this seems highly unethical and borderline illegal. All i want is for them to agree to the terms they sold me the credit card on. They deceptively had me utlize the credit card in the first place, masking 0 % interest as a " active military benefit '' then now tacking on interest when this was never disclosed properly in the first place for me to make an informed decision.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (FL)

I paid online on XXXX through the Avant credit card app. for the due amount of {$78.00}. There was a message that said " something went wrong please try again '' so I did. They ended up getting double payments. I called them and said I want them to refund the extra payment of {$78.00}. They said I had to wait till it posted. It posted 2-3 days later then they said it was " approved for refund '' but that I'd have to wait up to three weeks. I said there's no reason to wait so long just refund me. I called a few days later and emailed. Now they said they refunded me when they DID NOT. They insisted that I call my bank. My bank said they show the double payments that posted but NO refund. On the Avant credit card website my account showed - {$78.00} for about a week which was a credit for the overpayment now it shows I have {$0.00} balance. They kept my extra payment and NEVER refunded my money. They kept telling me to call the bank. Also they refused to send me an email they claimed to have sent me on XXXX. The customer service person told me to email XXXX which I have and they're response is call customer service. I just want my refund and for this company to stop this fraudulent activity. I saw other complaints on them when I reported them to the XXXX I asked to speak to a manager but all they said was to email XXXX which I did multiple times. They resolved NOTHING and kept the extra payment I made because THEIR website said to try paying again!
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I have been trying to use my debit card over the last week. Every time, I try to make a purchase, Huntington flags the purchase, no matter what it is, as fraud, which results in my card being declined. Initial attempts at customer service were unsuccessful. They unlock the card, but then as soon as I make a purchase attempt, it is declined again. This has resulted in me having to spend a ton of my time on trying to get this resolved. Frequently the customer service number says Due to high call volumes, were not able to assist you right now. Please try again later. Huntington has a responsibility to provide me access to my funds. I want to be reimbursed for the hours of my time Ive had to burn trying to get access to MY money.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

I open an account and I explained that my ID was lost all I can provide them it was a passport document so they don't accept us passport so I requested for them to closed the account by X previously XXXX, I also email them but nothing was done. And over the phone why would I have an account open when I can not use it. 

So I rather have them closed the account right away.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

I have been reaching out to Wells Fargo for years attempting to get them to understand that Im not consenting to overdraft charging on my checking account. 

Ive opened several complaints and talked to their support for years and the only refund partially the over draft fees. 

My account since its been open in 2019 has never been opted into overdraft services. 

My every statement shows that Im not opted into overdraft services or overdraft protection.

When I asked them directly for a consent document stating that I have opted into the services, they reply with Everyone gets basic overdraft service I informed them directly that they cant do that by default and that regulations dictate that they have to have consent before enrolling in such services. 

They have intern, provided me with a simple memo; stating that all of their customers are opted into a basic overdraft service. 


They continue to not provide consent for their overdraft service.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge 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. (NJ)

On XX/XX/XXXX, I made a purchase for a treatment from XXXX using my Citibank credit card, which at the time ended in XXXX ( I have since replaced the card, and the new number ends in XXXX ). The product turned out to be significantly unsatisfactory and did not live up to its advertisements. 

I reached out to XXXX regarding this issue, and on XX/XX/XXXX, they agreed to issue a full refund, as confirmed by an email attachment. 

Unfortunately, XXXX filed for bankruptcy shortly thereafter, leaving me unable to contact them regarding the refund. 

In XX/XX/XXXX, I approached Citibank to dispute the charge and submitted all required documentation. Initially, a Citibank representative informed me that a message had been sent to the merchant, and if there was no response within 45 days, I would automatically receive a full refund via a chargeback. However, three months have passed, and I have not yet received the refund. Despite multiple follow-ups with Citibank, I've been given different reasons for the delay each time, further postponing the resolution. 

I request that Citibank issue the chargeback immediately and settle the dispute. 

The case number for dispute i have with Citi is XXXX.