davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

Due to Citibank 's unethical, deceptive, and fraudulent billing practices, I have secured an attorney to dispute unlawful charges placed onto my account. Even though the account is currently in dispute status, and is now in litigation, Citibank continues to inflict emotional distress by placing late fees and interest fees onto the account. 

I spoke with XXXX in " Client Focus Services '' on XX/XX/XXXX ; and, XXXX ( from the same office ) on XX/XX/XXXX regarding the status of the account, to no avail. Although both stated that they would update my account by making note that the account is currently in " dispute, '' I continue to get statements with accrued late fees and other fines associated with the account -- all of which is very emotional taxing. 

I went a step further by contacting " XXXX '' in the Executive office about the harassment I am experiencing from Citibank. She was unhelpful, as she continued to reiterate the rebilled charges I should pay -- even though I paid the account in full prior to the due date.
Consumer complaint received 2018-05-06
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: EQUIFAX, INC. (GA)

I called Equifax on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf Equifax confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.
Consumer complaint received 2018-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the first week of XX/XX/XXXX at my XXXX XXXX ( XXXX county, CA ), I tried to log on my Bank of America account via internet provided by XXXX. 
The site would not let me log online unless I answered the following questions first as they were shown on a new window that popped up : 1. Do you have double nationality 2. Are you an agent?

I was concerned and by innocence answered both questions with NO. Thereafter I could access my account information.

I log off and then tried to log on my Bank of America account again and a window appeared saying that I did not have a double nationality.

I could continue then checking my accounts information. 
This seemed to me as an attempt to gain access to my B of A account data and after some time to reflect I decided to call the Bank of America Legal Services or other proper assistance. I definitively waited too long of a time to take this action, probably a mistake. 
On XX/XX/XXXX, I called Bank of America Privacy Office ( XXXX XXXX ), and they advised that this questions were not generated by the Bank of America. 
On the same day I spoke to a bank Associate ( XXXX ) in the XXXX XXXX Branch ( XXXX County, CA ), and she also commented that she did not believe this questions showing up during my attempt to log on my online account were generated by the Bank of America. 
I am in the process of closing my checking/savings accounts with the XXXX XXXX Bank of America. 
MY concern is that there was never any contact or follow up from Bank Of America concerning the incident and it seemed somewhat negligent to me.
Consumer complaint received 2018-05-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (FL)

I leased a vehicle from Mercedes Financial between the dates of XX/XX/XXXX and returned it as scheduled on XX/XX/XXXX. 
During the course of this lease I made every payment on time and in full serviced the vehicle at dealer as recommended and stored it in a garage when not in use for its safety. 
I asked for extra mileage words the end of lease from XXXX XXXX and associate at Mercedes Benz in XXXX XXXX. He assured me that it was not a problem to relax and enjoy the car that he would take care of it. 
I returned the vehicle in " like new '' condition in fact the sales representatives present said it was the cleanest return they had ever seen. 
They became agitated with me when I told them I did not want another Mercedes and I just wanted to return this one and leave. 
They told me I owed {$1600.00} for overages of mileage I offered to pay but I was told I had to wait for vehicle to be " processed '' this prevented me from being able to purchase another vehicle because I couldn't responsibly budget my next down payment until I had satisfied this outstanding lease fiasco. 
I visited the dealership seven different times and called at least three dozen times pleading with them to " process '' me car so I could move on. 
I finally received a letter on XX/XX/XXXX one whole month after returning the car " and it had been used and moved to new owners by dealership '' The letter states that I owe {$3000.00} this amount is double what I was told by manager of dealership when I dropped it off. 
So at this point I told them I'd like to purchase the vehicle and sell it on my own. They became very angry and said that the vehicle was no longer their it had been sold. I asked how it had been sold while it was supposedly being " processed '' and they just ignored me and left me sitting alone for over an hour I the lobby until I finally became frustrated and left ... 

Nightmare ordeal especially since I have perfect credit and fulfilled my obligations without fault. I believe they were retaliating against me for wanting to buy a different brand vehicle ...
Consumer complaint received 2017-04-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a checking account with Bank of America for almost 5 years. In XXXX Bank of America changed the terms and conditions of the account and began charging a new monthly fee of {$12.00}. They never sought my agreement or that I had acknowledged or understood the changes they would make to my account. At the time of the change I received e-communications from the Bank. After review of all of the communications that I received by email at the time of the change, I do not see that any notice of the change of terms and conditions was emailed, nor an explanation of the new additional fee. I have called Bank of America to contest that these changes were made without my approval, consent, or notification. In total they have charged me a total of {$240.00} XXXX XXXX XXXX. They only agreed to take off a single {$12.00} fee. I attach the regular email notifications I received during the time when the change to the account took place. They show that there was no mention of changing fees or terms and conditions. It appears as though there were mail notices sent to an incorrect mailing address, however since I had signed up for e-communications this seems like an inadequate excuse for not properly informing the customer and they never sought acknowledgement on my end or agreement to new terms and conditions.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC (PA)

If presenting there looting activity inside my property organize by those criminals is consider harassment only for make it public I wonder how will be consider ween we are going to meet those criminals and looter organizer in criminal court soon. Those criminals can understand that I have no mortgage no financial obligation and their looting was criminal illegal and fraudulent NOW lying and deceiving CFPB present even more facts that those criminal ( find guilty by the Superior Court ) the show total disrespect for CFPB We must drain this filthy face of corruption and looting organizer They foreclose criminal in top secret close door illegal and fraudulent and this is more criminal than any theorist activity and I strongly believe that this is the biggest dagger against Americans. After it they used criminal looters lying law garbage firm XXXX XXXX XXXX the worst criminal looter in the country, use those criminals to lie in courts, defraud people and if they can not intimidate some clients they organized death treats to their clients as is my case. If this is the landing and mortgage servicing organize by XXXX, and this XXXX XXXX running XXXX XXXX that we must close this criminal business permanently. I am sure those criminals refers to this as duplicate referring to their criminal activities not to what I presented. As mention to all Governors in each state in USA in in particular the State of PA, NJ and Organ I will keep informing everybody about the criminal activity inside my property for which I do not have any financial obligation, mortgage, loans or credit cards as I do not need. American people are losing their property due to criminal activity properly presented below. Also CFPB must take in consideration that in PA the ownership law was flagrant violated by Law Firms that are experts in lying even to their clients and triple charge them ( find guilty in Superior and Supreme Court ).  XXXX XXXX XXXX, Law Firm Phelan Hallinan with theirs pettifogger lawyers, XXXX, XXXX and XXXX XXXX and the looting company XXXX XXXX. They can lie, cover up abuse but I will never ever stop period until I get back my property and all stolen furniture, electronica, home decoration looted by XXXX XXXX with direct help form XXXX using looting expert law firms XXXX and Phelan, Hallinan.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Affirm Holdings, Inc (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Dispute of Unauthorized Personal Loan Reporting Dear, I am writing to formally dispute an entry on my credit report related to a personal loan reported by Affirm. I have reviewed my credit report and found an entry for a loan that I did not apply for or authorize. This entry is inaccurate and violates my rights under the Fair Credit Reporting Act. 
Details of the disputed entry are as follows : Creditor Name : XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX I have never initiated any application for a personal loan with Affirm, nor have I given permission for any such transaction. Therefore, I request that you investigate this matter promptly. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report, and I am requesting that this entry be removed from my report. 
Please conduct your investigation and provide me with the results. I would appreciate a written response confirming the removal of this unauthorized entry from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2018 I paid off the balance of my credit card XXXX. There was a XXXX   balance at that point. 3 weeks later I am informed they are closing my credit card due to my credit score. My credit has been going up monthly and my payment had been made on the card. They refuse to open the card back up. However they should not be able to just close the card. I have been a good customer for over 3 years with this card. They also did not send over a cleared balance statement.
Consumer complaint received 2017-05-02
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. (FL)

Experian is refusing to remove three accounts on my credit report that do not belong to me. I have personally contacted the creditors at Experian 's request and they have each individually confirmed my concern that Experian is reporting someone else 's information on my credit. <P/>I am filing this complaint because Experian is reporting someone else 's accounts on my report and they are refusing to remove these items. <P/>The following accounts need to be deleted from my credit report immediately : XXXX XXXX with account number " XXXX '' ; XXXX XXXX with account number " XXXX '' ; XXXX/XXXX with account number " XXXX '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the XXXX in their database. <P/>This is making things more difficult because since I am not the right XXXX, it is against their policies to send me additional information about these accounts. I am being given the run around by Experian and these companies and I feel stuck and do not know what else to do.
Consumer complaint received 2018-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of Americas policy to stop all access of credit to manufacturers and distributors of AR and Semi auto rifle and magazines scares me. The thought that a large company can force law abiding citizens out of business for conducting legal constitutional business is wrong. BofA had no problem taking the tax money for a bailout but now wants to decided who can earn a living. BofA puts thousands of American jobs at risk. I think that BofA should be charged for the bail out and the government should cut ties with BofA.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CA)

Ok so I bought a XXXX vr system from Walmart.com and so I get the product but I decided that I want to return it because I didnt really like it so it turns out that its a merchant linked to Walmart.com so I checked the contents and a usb cable was missing to begging with so the merchant said how can that be? Im yeah I want to return it cause its incomplete but anyways I changed my mind about and I just want a refund and return it so the merchant says ok heres the rma # and I return it I also had to pay the shipping to return about {$29.00} dollars to ship it back so I talked to the merchant on why I havent got a refund and they said this to me that ITS NOT THE SAME PRODUCT THAT THEY SEND ME AND THAT THE SERIAL # S DONT match when Im fact I send the merchant exactly what the same item that I got so synchrony bank says there gon na look into it and I just got a letter from them saying that they cant give me a refund because I still got the product that the merchant sended me WHICH I SENDED BACK TO MERCHANT? So neither the credit card or the merchant want to give a refund what can I do? The disputed amount is {$220.00}
Consumer complaint received 2017-05-02
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. (MO)

This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called ove r 25 tim es ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked ov er 20 tim es for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates :   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    .    I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.
Consumer complaint received 2017-05-02
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. (CT)

I sent mailed exquifax a multiple inquiry letter on   X/XX/2017     by certified mail in regards to several inquiries that were being reported on my credit file they recieved it on   X/XX/2017     the request included  XXXX  inquiries that were not factual and I received the same response for all inquiries which stated " inquiries are a factual record of file access '' if you believe this was unauthorized please contact the creditor.according to the fcra rules, Fcra 623 ( b ) (  2  ) and 611 ( a ) (  1  ), it states that any information can be disputed no must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its file. The fact that I received a response  X  days after they got the information I disputed, one can assume that there was no investigation into this matter. I plan on buying a home in the near future and this many inquiries show a sign of financial trouble when this is not the case. I am sending this complaint due to the lack of investigation into my previous several disputes for the same reason which were my hard inquiries and got the same answer every time within a few days. I never signed anything authorizing anyone to run my credit at all this is unfair practice by a credit reporting agency with no concern for the credit worthiness of a consumer
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NC)

Re :  Interest Charge and Interest Purchase charge and continuing charging an Interest Purchase on  XXXX   XXXX  Th e Barclay Cr edit card seems to be a rip off ... I called them several times asking why are they charging the  XXXX  above charges every month. I can understand  XXXX  interest charge but they are charging an interest charge and an interest purchase charge every month when I have not made any purchases. On  XXXX   XXXX ,   XXXX  , I spoke with a representative that stated they would remove the charges immediately. As of today, those charges continues to be charged to my account. I have attached a statement showing the charges I am referencing page  XXXX  Thanks Very Concern Customer
Consumer complaint received 2018-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (OK)

Capital Accounts XXXX XXXX XXXX XXXX, TN Capital Accounts reported a debt balance of {$250.00} opened XX/XX/XXXX to XXXX, XXXX and XXXX. On one of the reports it was a balance of {$260.00} XXXX conflicted info ). 
Since then the following payments were made ... 
XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX {$20.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} Total paid to Capital Accounts {$240.00} so far. The balance owed would be {$18.00}. These payments were done online with a credit card.Capital Accounts is reporting back to the Credit Report companies a different balance over {$200.00}. It was previously removed by XXXX  and XXXX  since I disputed it..BUT Capital Accounts has now reporting it again with a wrong balance and is back on my credit report. Is this legal?? I have contacted Capital Accounts and they are not willing to cooperate. I have receipts if needed to send to you. Maybe we need to check their license see how legit this company is since it appears to be a scam issue.