davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX 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 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank is engaging in what I believe is predatory over drafting. Numerous times in the last year, I have noticed transactions on my account being posted in a different order than they were made, many times with large withdrawals being held for longer periods of time or deposits being ordered before withdrawals, even if those deposits were made after a withdrawal to offset the expense. All of these practices result in surprise overdrafts, and therefore overdraft fees. I believe Regions Bank intentionally orders transactions in a way that overdrafts customers. In XX/XX/XXXX, I checked into a hotel and swiped my debit card to pay for the room. This transaction posted to my account as Pending. For eight days, the charge was pending, and at the end of the day on XX/XX/XXXX, the mobile banking app indicated that, once all transactions cleared, I would have a balance of around {$110.00}. However, on the morning of {$620.00}, I was over drafted by almost {$400.00}. I deposited a check and made a transfer to cover the overdraft, but on XX/XX/XXXX, I was assessed an overdraft fee of {$100.00}, despite having two pending deposits that would cover the overdraft. I asked Regions for a refund of the overdraft fee and they stated that they only allow one refund for the life of the account, but that they could not touch a pending charge. Additionally, the agent I spoke with wrote that the hotel charge, Made it appear that there were more funds in the account than what was actually available. How does the bank allow my account to appear to have more funds than what I actually do? Beyond this, I am enrolled in a form of overdraft protection that does not allow me to swipe a debit card with insufficient funds. On XX/XX/XXXX, I wished my debit card for a coffee and the transaction went through. Regions bank now shows that my account was already- {$300.00} when that charge was made, which is simply not possible because my card would have declined.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NE)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I lost my card back in XX/XX/2022. I called the bank immediately and told them that I had all the transaction that were made. They kept telling me that they use my pin and that they could not get my money back. I visited it 2 times and they never told me that the real reason they disputed it was because I did not dispute other transactions that were made at XXXX, XXXX, XXXX  atm and so forth. They were rude and dismissive. Its happening again under another XXXX station and I want them to look at this case over again. Because I gave them all the transaction tthqt were made and were made during over night and out of my ordinary norm. I know it's late but I did not know I had the option to file a complaint against 53 bank debit card I here. I tried and tried but they kept denying me. I even provided a poloce report and they were dismissive. This needs to be looked at. The bank was notified immediately within hours of the unauthorized transactions. The case number is XXXX and their phone number is XXXX XXXX XXXX
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (NC)

Client Name : XXXX XXXX XXXX Client A/C Number : XXXX ABA/Routing Number : XXXX A/C Type : Checking Bank : CHARLES SCHWAB BANK I, XXXX XXXX XXXX ; a USA law-abiding citizen maintain a checking account with Charles Schwab Bank as detailed above with a running balance of {$250.00} currently. 

The Bank, so named, has without reason continued to place restrictions on the said account and continue to return unpaid checks validly issued on the account by me. 

Prior to this complaint, I have provided to the bank all requested documents and have via telephone answered all their concerns. 

I have no other option as a minority XXXX man living in a racially decimated XXXX XXXX XXXX than to approach CFPB to resolve this and get Charles Schwab Bank to release my funds immediately.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (CA)

The company advertises a toll free number, but yet there is a fee every time I call the number on the back of my card. The number on the back of my card is the same number on the website and any statement. It is very difficult to get a live representative on the phone. Once the number is called, the caller is put into a loop of recordings, hung up on and forced to call back. XXXX XXXX XXXX use to send paper statements in the mail and now I am charged a fee every time I call the number to request a statement. I have never been able to make an online account. It was not important to me until they stopped sending monthly paper statements in the mail. Now it costs me a fee to call the number on the back of the card. The few times that I can actually get a live rep on the phone, I am given a ticket number and told I will receive a call back within 2 days. If I miss the call from another state, I have to go through the same process all over again and pay more fees.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

In XXXX of XXXX, I contacted a company named XXXX XXXX XXXX to purchase snap on veneers through there online sales process. After agreeing to have veneers produced, I submitted two payments on two separate days totalling approximately {$1500.00}. The company had me in a cycle of creating impressions then rejecting my impressions. This went on continuously after which time I decided to discontinue process and request refund ; the company declined my request, citing Texas refund laws. However, after researching the Texas statute, this is what I came up with : Sec. 345.066. BUYER 'S RIGHT TO RESCIND CONTRACT. Until a retail seller complies with Section 345.065, a retail buyer who has not received delivery of the goods or services is entitled to : ( 1 ) rescind the contract ; ( 2 ) receive a refund of all payments made under or in contemplation of the contract ; After being denied a refund, I then notified my bank and filed a dispute in XXXX of XXXX. After some time, my bank decided in XXXX XXXX XXXX XXXX favor, thus ending my dispute claim against them. In accordance with the preceding law, I am entitled to a refund. I attempted to reopen dispute with my bank with new evidence but they declined to reopen. Please assist me with this matter as I am an unemployed XXXX XXXXXXXX veteran with limited income nowadays. Thank you. 

XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2023-10-10
Product: Credit reporting 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. (TN)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Consumer complaint received 2023-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SANTANDER HOLDINGS USA, INC. (FL)

On XXXX  I contacted Santander via telephone to let them know that I could not make the full loan payment and I asked them to turn off the auto pay function and remove my bank account information. They refused to make any agreement with me to pay less than the full payment amount and gave me a phone number for collections. At that time the laon was current. They told me that they turned off the auto pay function and removed my bank account information. I called the collection company and they told me that they could not help because the loan was current. 

On XXXX  I logged into my Santander account and tried to make a partial payment and I added my personal bank account information back in. The website would not allow me to make a payment at that time as it stated it had to verify my personal checking account. On XXXX  I checked my personal bank account and Santander had auto debited my account for the {$480.00}. This was without my permission. I called Santander and they apologized but told me that there was nothing I could do. I know that what they did is a violation. I went to my personal Bank and they filed a dispute and got the money back.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please 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 2023-10-10
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. (MO)

Information is illegally reporting on my consumer report 15 USC 6801. Protection of non public information and the obligation to respect my privacy and confidentiality. And usc 1681b Permissable Purpose. Permission was not given to use this information. 1681a2 Exclusion, consumer reports exclude transaction history. Acts. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX . Inquiries where no credit was extended XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. No credit extended and no permission given. And no proof from the reporting agency that permission was given after several requests for proof.
Consumer complaint received 2021-07-29
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. (CA)

Checking over my report and I noticed some accounts that I have been disputing for over 40 days with no written response is still being reported on my credit. I have been filing multiple complaints & disputes against the creditors & your XXXX  plus third parties about going against the law reporting things inaccurate on my credit. Now the time is up I will need this remove immediately or legal actions will be forced.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

We closed on the sale of our home on XX/XX/year> and our mortgage payoff was wired on XX/XX/year>. Our lender waiting until XX/XX/year> to send our escrow refund. As of today, XX/XX/year>, we still have not received our escrow refund. I called our loan servicer and told them we had not gotten our refund and asked them to overnight a new check to us with tracking since they are already past the 20 business day rule, and they refused only offering to cancel the old check and re-send a new on that can take " 10 to 15 days to get to us. '' They are now out of compliance to XXXX.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.
Consumer complaint received 2023-03-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I traveled to XXXX on XX/XX/XXXX for my grandma 's burial, ended up spending 5 months. While I was there, I noticed there was a charge on my credit card on XX/XX/XXXX. I didn't leave my card with anyone and Im not in the states, so I immediately called my bank. The reps kept sending OTPs to my SMS, which I didn't have access to because I was out of the country, so they refused to file my claim. I noticed my card was restricted and then reinstated again. I called again and they refused to help because I could not validate the OTP they kept sending me, so I decided to wait till I got back to the states. I called when I got back and filed the claim on XX/XX/XXXX, on XX/XX/XXXX, I got an email from my bank that they couldnt approve my claim because my card was used and my pin entered, so that means I physically used the card myself. I was not in the states when this happened so how could I possibly use my card? All purchases were made in XX/XX/XXXX and XX/XX/XXXX, totally almost {$700.00}! I need money back from my bank immediately! This is IDENTITY THEFT and I have filed a police report as well. It is disheartening to think that my money is not safe with my bank.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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