davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank charged a monthly {$5.00} dormancy fee on both my checking and savings accounts over multiple years. Below are the issues : I. I did not receive a statement at the correct mailing address notifying me of the charges on my account. I changed my address with XXXX, but Fifth Third continued mailing to my old address. Furthermore, they locked my online access preventing me from managing and viewing the activity on my accounts. 

XXXX. The dormancy charge amount was not disclosed in the Deposit Account Rules ( the " Rules '' ) and Regulations provided by Fifth Third as required under Reg DD, 1030.4 ( b ) ( 4 ). The Rules simply refer to a fee schedule to see the fee amount, but no fee schedule was included or enclosed. 

XXXX. The Rules state that a dormancy fee can be charged after a period of " Inactivity, '' defined as " no deposits into or withdrawals from the account during the applicable period. '' During the period I was charged these fees, my account was debited a {$5.00} fee and credited interest each month, which is not Inactivity as defined under the Rules. This is both a contract issue and also an unfair and deceptive UDAAP violation. 

IV. A sample account statement Fifth Third provided in response to my complaint includes the following disclosure : " Remember, no monthly service charge if : You maintain a total monthly average balance of {$1500.00} across checking, savings, and investment accounts. '' Well after Fifth Third began charging me dormancy fees, my account balances were : {$1300.00}, {$2800.00}, and {$440.00} yielding a monthly average of {$1500.00}. Despite maintaining a balance above the threshold Fifth Third disclosed, I was charged multiple monthly {$5.00} fees, which is an unfair and deceptive UDAAP violation.
Consumer complaint received 2016-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Coastal Credit, LLC (FL)

I have been receiving phone calls from a debt collector or financial agency called " Coastal Credit ''. Each time they call, they state they are looking for XXXX XXXX XXXX. I do not know this person and they are not a relative. I never heard of them. I do not know how these people got my phone number. I keep telling them I do not know her but they keep calling me. When I block their number, they always call from a different number. They do n't care that I do n't know this person. They just want to call and harass me.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IN)

My first mortgage loan is currently being serviced by Shellpoint ( SP ). The account is currently delinquent due to hardships relating to the Covid 19 pandemic. SP is refusing to offer loss mitigation assistance or process a loan modification. The mortgage is a government backed loan ( XXXX XXXX ), so the entire delinquent amount should be moved to the back end of the loan. SP has also refused to apply the Covid 19 payment deferral program. This program calls for recapitalization of all past due payments and deferral of all past due payments until the loan is sold. SP has refused to underwrite for this option, although they were notified many times of the intent. The CARES Act provides a mortgage payment forbearance option for all borrowers who, either directly or indirectly, suffer a financial hardship due to the novel coronavirus ( COVID-19 ) national emergency. a hardship. This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status. SP is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. I am seeking assistance on this matter, since I do not want to lose my home.
Consumer complaint received 2023-02-09
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. (TX)

I got a copy of my credit report and noticed some accounts that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
Consumer complaint received 2023-09-03
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. (AL)

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (CA)

To whom it may concern, On XX/XX/23 I made an ACH payment to OLLO, a credit card company, to pay off my credit card, which totaled {$3700.00}. When I tried using my card to purchase food at a grocery store, the transaction was declined. When I called OLLO, they explained my account was on " Restricted Mode '' because decided they wanted to flag my account for having made a large payoff transaction. They said " it was an unusual pattern. '' The number I have called is XXXX, where I was transferred to a " Dispute Engagement '' department. Upon speaking with a representative, they verified my information but claimed when they tried to verify if the my bank account through XXXX bank, my bank would not supply proper verification to their standard. This was very alarming since I have made many payments for up to a year using that same bank account. 

One representative stated I can fax or mail a letter of authorization to OLLO, then another representative stated " only XXXX bank '' can fax or mail a letter of authorization on my behalf. This is a type of client/attorney requirement that is unusual. This was confirmed when I spoke to a banker from XXXX on XX/XX/23, he stated that XXXX bank does not send or fax any such letter, that the only thing they can do is print out a " Deposit Account Balance Summary '' that shows my bank account number, name, and a stamp from the local bank where the document was produced. 

Today, I called OLLO and they refused to accept the only paperwork that XXXX can legally produce per their request. The OLLO representative insisted on a letter with specific words that XXXX bank does not supply any of their customers for account verification purposes. 

I believe the credit card company, OLLO, is not happy that I paid my account and they do not let me access my online account. Their claim that the payments may be coming from an unauthorized account is bogus as evident of today 's autopayment charge they made to my account for the amount of {$120.00}. 

If they were concerned about fraud due to the size of the payment, why did they accept it then restrict the account? If they are concerned they account I have been using for the last 12 months is not mine, how come they processed an autopay today? If they were really concerned for fraud, why did they still process the large payoff amount? 

Please help. Thank you so much for your attention to this matter.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

been trying to get Bofa to stop discrimination against me as I am XXXX and a senior. The credit card division has NONE NOTHING to correct the problem and lied to the cf.gov when they said they are working on it. they contacted me on XX/XX/23. I asked some simple questions and they have NOT replied or contacted me in over 15 days!!! this has impacted my credit report and I am unable to get another credit card because of them! 
I was rejected for too high credit limit since they will not reduce my credit line and too manys cards as well since I had to close the last one that they refused to lower my limit. 
You need to advise on where to file my discrimination report with the us government.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion and XXXX continues to furnish incorrect and unauthorized information about me without my consent. My attempts to have this account removed/ deleted due to the inaccuracy that is inequitably furnished by your organization on my Consumer Report has been ignored and or pacified. I filed a report on the CFPB portal with Transunion and XXXX on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I am attaching a copy of a consumer report dated XXXX that was furnished by Transunion. This report shows XXXXXXXX XXXX reports made to Transunion. The reports show the account in question being reported completely different from what it is now reporting. The balance shows {$0.00} and paid in full/ paying as agreed in XX/XX/XXXX. Transunion and XXXX continue to furnish reports that is consistently changing. Charge off dates constantly changing and contradicting on a monthly basis. XXXX XXXX is furnishing fraudulent documents, dates and information that is consistently changing. 

I am also attaching a consumer report dated XXXX that shows a whole new set of dates and information furnished by XXXX and reported by Transiunion XXXX XXXX on my consumer report.

I request you immediately remove XXXX from my consumer report. I have informed you of the inaccurate reporting and have furnished multiple documents furnished by you ( Transunion/ XXXX ) that shows the contradiction and various reports that are inaccurate and inconsistent. If this account continues to be to be validated and furnished I will be forced to take this matter to court and include Transunion / XXXX in the lawsuit.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

Several months ago I applied for a city bank/XXXX  card and was approved. 
I made several purchases no problem, however when XXXX did a direct payment to them, it did not go through. I made a second payment to them but the hold checks for up to Therty days, making me overdue. That is what I was told over the phone by two different people.

I have made several purchas since and attempted to pay the bills. Since I have made several duplicat payments my XXXX bill came back with {$860.00} credit.I called and demanded a refund check, of witch they agreed to.

How is holding payments make any sense? 
Payments should be amediatly credited to ones account. Especially if it is a defect deposit from the bank. Please look into this nonsensical practice. When people are having trouble paying there bills, co should not make it more difficult in paying there bills. 
With all due respect, I know this is trivial, but I dont need more problems especially wen I pay all my bills regularly.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

A refund deposit to my Citi Bank Credit Card Account in the amount of {$17000.00} was made on XX/XX/XXXX due to a cruise cancellation. I requested a refund check on XX/XX/XXXX and was told it would take XXXX business days to process. I subsequently telephoned Citi Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX and again today, XX/XX/XXXX. I spoke with XXXX supervisors who apologized for the delay and that the check was mailed on XX/XX/XXXX. When I did not receive the check on XXXX XXXX, I telephoned again on XX/XX/XXXX and a supervisor told me how Citi completely mishandled this request, apologized for the delays and that the check amount would be directly wired into my checking account within XXXX hours. The XXXX hours have passed and still no funds have been deposited. I followed up with yet another call to Citi Bank today, XXXX XXXX and was told it takes XXXX days additional days for " approval '' for a wiring and then XXXX more days for the funds to be wired. 
This has been a time consuming, frustrating process in which Citi Bank has kept my money for over a month. I am requesting any assistance that the CFPB can provide. Thank you.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX HAS REPORTED PAST DUE PAYMENTS. PRIOR COMPLAINT HAS FAILED TO CORRECT SAME. 
AS A RESULT I AM ATTACHING PROOF OF ALL MY PAYMENTS SINCE REISTATEMENT.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-02-09
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. (NY)

I leased a new car through XXXX  ( XXXX XXXX  ) and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX  having an issue opening my online account access
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Card was stolen while I was away, I have filed a claim with the company and it has been denied and now pending for months. I have sent over several supporting documents to the company as they requested and still havent done anything to fix the situation and havent received any updates or my money back. They have no information or feedback regarding this situation for me. Worst bank ever
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I used my PayPal credit account to send money to a XXXX page that was asking for money to help pay for my brother 's funeral. The individual who set up this page was one of my brother 's good friends who lived with him. She asked if she could plan my brother 's funeral and my mom and I agreed since we lived a great distance from my brother. As it turned out, this girl never paid for any of my brother 's expenses and took the funds for herself. I paid {$210.00} to XXXX  on XX/XX/2022. When I discovered what my brother 's friend was doing, I contacted XXXX fraud unit to not only get a refund, but also to shut down the XXXX page. XXXX recredited my PayPal account for the {$210.00} on XX/XX/2022. But now PayPal has put a credit limitation on my account saying that I owe them an additional {$210.00} because for some reason they are telling me they are out {$210.00} and that I need to give back {$210.00} to take off the credit limitation. So in other words, I have to pay PayPal for a service or item I never received and was refunded. I've been debating this with PayPal for months and they insist that I still owe them {$210.00} ... for what???
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I leased a new car through XXXX XXXX XXXX XXXX XXXX and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX having an issue opening my online account access
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (NV)

I went to a dealership back in 2021 to buy a used car. I allowed the dealership to run my credit and I was told the best option available to me for a auto loan was Wells Fargo at the time. I was desperate for a vehicle and decided to take the auto loan. Since I've had the loan I have come to realize that I have a extremely high interest rate. I have been making payments on time for 2 years now and would like to trade the car in. Unfortunately because of Wells Fargo extremely high interest I still owe to much for the vehicle and I am unable to trade it in for another. I am constantly receiving offers to refinance or trade in my car but once I mention the payoff amount I get denied because of the high interest. I would like to lower my interest rate to a average or fare rate or at least be allowed to transfer my loan to another company that is not taking advantage of hard working reliable people such as myself