davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America charged our credit card with unauthorized and unknown amounts. They were notified and issued a new card and a credit in XXXX for XXXX. They then reapplied the charges in XXXX with no information and billed another XXXX transaction. They now call 4 times a day to the corporate office
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I went online to unfreeze my credit report temporarily. 

1 ) Their website misdirects you to purchase their product to unfreeze. You have to find the unfreeze website through a separate search. 

2 ) After finding the hidden website, I filled out all the information correctly and supplied the pin they provided me. 

3 ) The website failed twice on its own, then on the third time, they locked my account saying my pin was incorrect. 

4 ) I called their number and provided the PIN ( which they now said was correct ). They said they unlocked my request. However, immediately after saying my freeze has been removed, I was told to send information in. 

5 ) I am at an unclear state of my credit report. Is it frozen? Is it temporarily lifted? I am unable to go back to their website to request what information needs to be sent or to check the status of my freeze.
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

I have had an account at PNC for about one year. It was opened right before COVID struck and as a result of shut-downs, and civil unrest the XXXX  business remained inactive. Now that we have entered into a more optimistic period the business has started moving forward. I funded my account began to buy supplies and stock for my company. But in almost every transaction my debit card is declined. It is so bad that I have had to use my personal account for the majority of transactions. 
As I assume with most accounts when they are open PNC gave me a starter check to use. I have had no occasion to use a check in the digital age. On XX/XX/2021 I signed my lease for my first storefront using my life savings. The check was for {$8400.00} dollar and my balance was {$20000.00}. Though I used the check the bank gave me to use they refused to honor the check. They refuse to give me a reason why other than saying security reasons. This has cost me my lease and most of my life saving that I have already invested in fixtures, permits, insurance, and signage for the storefront. 
I just want a business account that can be used by a XXXX business owner without being under some false flag of suspicious activity. It is just plain XXXX to deny me access to my own deposit using bank-issued instruments.
Consumer complaint received 2022-12-19
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. (GA)

Theirs an account that's reporting on my credit report by the name of XXXX and XXXX that do not belong to me it's a fraud account that need to be deleted they are report for a company name XXXX XXXX
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Google Compare Credit Cards Inc. (OR)

I ordered three items from the Google XXXX using my XXXX/ GOOGLE credit card. The order was placed XX/XX/XXXX. The order was supposed to arrive XX/XX/XXXX. The order status states " Your shipment was delayed. We're working to get it to you soon and will email you when it's on its way. '' For this reason I called to inquire about my order. No information was able to be given. I then explained I need to cancel the order. To my surprise they told me they have no way of cancelling the order. 

Google, the provider of internet services across the world, doesn't have a simple way to cancel an order? Of course they do. They are relying on your busy schedule so they can ship at will, disregarding any ETA originally displayed when the order is placed, and hope that you will just keep the items you bought since they 'finally arrived '. 

Not acceptable! This is taking advantage of the consumer. They have charged my credit card, promised a ship/arrival date, missed the ship/arrival date, can't provide me any info as to what is going on, and ... .. won't refund my money/cancel the order. 

Their solution is to wait until they have their XXXX figured out, get it shipped out to you, then have me the purchaser use my time and energy to ship it back to them. No way! 

Prompt attention to this matter is needed. I simply want my order canceled without having to babysit the front door for a package that MAY arrive at ANY time from Google, only to have to deal with re-shipping it back to them .... all when I should have been able to cancel the order with a simple phone call.
Consumer complaint received 2020-10-04
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. (NY)

On XX/XX/2020 I sent a certified letter to Trans union requesting Trans union provide me with name of company or persons information that they verified with to determined the validity of there investigation. FCRA 15 U.S. Code 1681g - Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. Trans union are in violation under this section. This inaccurate information needs to be removed immediately.
Consumer complaint received 2020-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

I took a loan in XX/XX/XXXX for {$1000.00} online. The money was in my account the next day. But I never received the paperwork I signed. I called but never answered. So I emailed them a few times asking what is my percentage and got a email about 3 to 4 days later. Thats when I saw my percentage for 785.55 %. I already used the money. So I emailed them ill pay my {$1000.00} but not more then that. I have XXXX asking me to pay {$2000.00}. I made 2 payments for {$320.00} on XX/XX/XXXX & XX/XX/XXXX.
Consumer complaint received 2020-08-10
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$14000.00} US DEP ED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (NC)

Transunion is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. If Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Transunion Commission file number 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 Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-01-07
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. (GA)

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

I have never been in contact with this company. I need to see the original debt with my signature and a notice, I never received anything showing I owed a debt. And I do not have and attorney and do not need one because the debt is not mine... They are making false reports on my credit file. I am requesting the they remove any and all reports that they have sent to the credit bureau without my consent or prior approval per U.S.C. 1681
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (IN)

In XXXX i was notified by XXXX XXXX that a judgement of {$4000.00} was made against me plus a {$1100.00} legal fee. Making the amount owed to be {$5200.00} Then I got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. that they are doing the garnishment for XXXX for {$4000.00} plus court with a total of {$5200.00}. In XXXX of XXXX the garnishment stopped because it was paid off. In XXXX of XXXX I received another letter from XXXX XXXX XXXX saying that XXXX had said they had not received any payment since XXXX XXXX. That the were starting another garnishment for {$3100.00} for the balance still owed. The amount of money taken out of my paycheck has been as follows. The year XXXX was {$2400.00}. The year XXXX till XXXX was {$2700.00}. The year XXXX after XXXX was {$1000.00} ( the start of the 2nd garnishment ) The year of XXXX so far being over {$600.00}. This means I have had over {$6600.00} on the garnishments. If they go the full amount they expect to take out of my pay it will be {$8300.00} for a garnishment that was only suppose to be {$5200.00}. The garnishment is still being taken out of my pay every week. If I have to a copy of my pay stubs for the amounts shown can be provided. They should have the record of payments made.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

In the middle of escrow to purchase an investment property and considering my real estate agent 's legal obligation to represent me and my loan officer 's ability to close the loan, I discovered loan officer had been manipulating numbers, providing false disclosures, and deleting / editing words and numbers before they got to me, I voiced my concern and he said he di n't want to be part of this. Agent calls me and telling me loan officer has the right to cancel everything without me being notified. Agent also tried to have me sign a Buyer / Seller Cancelation of Agreement twice for 2 unrelated reasons, he has tried to have me sign this so I can be the one breaking the contract which would release him and loan officer of any of their obligations to close escrow. I reached out to the lender Nations Direct Mortgage and they had their secretary tell me 8 times in 2 days : " l 'll let them know you called ) but have gotten no call back or response to any of my several emails. I have reached out to their company 's managers several times and they had decided to stay quiet. Today, I sent one 1 email to all managers from all parties involved in the agreement and reminded everyone our escrow close date is in 5 days, and per the agreement I have performed all my duties and that they were putting me in a position to not meet the guideline, I also proposed for them to give me a signed declaration they want out so i can proceed to find another lender and agent, loan officer 's said he is going to have his attorneys contact me and that he is canceling my loan which i also find in violation of Fair Lending Act and as an act of retaliation to divert responsibilty. Also, loan officer when i refinanced 2 properties last XXXXI told him before the closing date I did not want to sign 1 of them because it was {$1000.00} off, he said i will get refunded {$1000.00}. The refund came about 2 months later form his business checking account in a written check, I asked him about it and he said that is how it is done, but now that i am reading about this case, i found out this was extortion, I reached out to send his money back and no response. Also several concern on predatory lending patters like inadequate or false disclosures, bait and switch practices, inflated fees ( like telling me the only 1 loan option for me was one with a {$28000.00} total closing costs which included a {$13000.00} commission for loan officer on a {$460000.00} )
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NY)

Repeated ongoing phone call all day and night. I paid the amount, {$360.00} to XXXX XXXX, however the calls and letters did not stop. As a matter of fact I was harassed for not paying this debt that not only paid once but I paid it TWICE and still they insisted they did not receive payment. This satisfied debt is still being reported improperly and incorrectly on my credit report and negatively impacting my credit score and worthiness
Consumer complaint received 2020-10-05
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: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX I purchased a flight on XXXX, XXXX to XXXX ( XXXX XXXX ), XXXX - XXXX  - XXXX {$200.00}, # XXXX, airline confirmation # XXXX I wrote letter in XXXX to Amex that flight cancelled by airline and XXXX responded that airline policy is to give partial refund {$5.00} and rest in voucher! Outrageous! 
I am senior and do not expect to plan this trip again XXXX hid behind statement saying that is airline policy I had a trip XXXX  to XXXX XXXX thru XXXX, as soon as flight was cancelled I received full credit refund in a month on my credit card I purchased a ticket thru a travel platform and should expect a chargeback for SERVICES NOT RENDERED thru this platform and XXXX should not hide behind a false excuse that airline dictates policy of refund Thus I ask American Express to process refund from XXXX
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

I signed up for a Citi Bank checking & saving account in XX/XX/2020. I signed up under a promotion which would provide {$400.00} for maintaining a {$15000.00} balance for 60 days and {$100.00} for making two qualifying direct deposits. On or before XX/XX/XXXX, I met these requirements. Citi was contractually obligated to deposit the {$500.00} into my account by XX/XX/XXXX ( 90 days after I met the criteria ). 

On XX/XX/XXXX, I contacted Citi, who agreed that the money should have been deposited and promised to deposit the money by the end of XXXX. Some time after XX/XX/XXXX, Citi bank closed my checking account without my authorization, notification, or request. 

On XX/XX/XXXX, Citi bank issued a letter stating that the funds could not be deposited because the checking account had been closed. This letter falsely stated that I had closed my account on XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative who confirmed that Citi was in error, acknowledged that the {$500.00} should have been deposited on or before XX/XX/XXXX, and acknowledged that Citi had mistakenly stated that my account was closed on XX/XX/XXXX. 

On XX/XX/XXXX, however, I received another letter again falsely stating that my account had been closed on XX/XX/XXXX, and I was therefore not eligible for the {$500.00} reward. On XX/XX/XXXX, I spoke with another phone representative who also acknowledged Citi 's error, but was unable to provide assurances that this issue would be resolved.
Consumer complaint received 2020-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (LA)

I continue to have issues with resolving a paid and settled account with Santander Consumer USA. I co-signed for my daughter in XXXX, XXXX. The car was financed at an astromical amount and she could not afford the monthly payments and voluntarily surrendered the car back to the XXXX dealership, resulting in a " Voluntary Reposession ''. As a result, the negative reporting was placed on my and my daughter 's credit reports. The account was bought by a Third Party Collection agency named : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I contacted the collection agency and asked for a settlement. They agreed and I went to XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX, as shown on check made payable to the collection agency ), and I borrowed {$2000.00} to send in the settlement payment. The bank issued a certified check made payable to XXXX XXXX XXXX XXXX ( who collected debt on behalf of creditor, Santander ). I received a copy of the cashier 's check for my records. I then sent a copy of the settlement agreement and check to XXXX  to dispute the negative reporting and have the debt removed/updated on my credit report. This was in XX/XX/XXXX. I received a report from XXXX  dated XX/XX/XXXX, which showed the debt " Paid. Closed. {$9400.00} written off. '' I saved a copy for my records and will provide as supporting documentation. The debt was updated on my credit report in XXXX. 

The reporting for Santander has now returned again on my credit report and shows that I owe a balance and shows it as late payments. However, nearly 4 years ago, it was already updated and removed from my credit. I called XXXX XXXX, XXXX and they indicated the debt was paid and that they were not reporting this debt, but Santander was. I called Santander 's office and they indicated they are not reporting this debt on my credit report as it was " settled ''. I then tried to dispute it online from my credit reporting site, and I was unable to dispute. 

This is why I am now reaching out to CFPB because I have made several attempts and this is ruining my credit status and has been reported negatively on my credit as well as my daughter 's credit, and this has been paid and settled in XXXX. 

I need your help in getting the proper reporting and removing a debt that was opened in XXXX, XXXX, which is greater than 7 years ago and was settled/paid in XXXX and clearly shows such on the XXXX   documents received. This should not be on my credit report as it is old, but more importantly it has been paid and settled. 

Today when I viewed my credit reports, it shows tht Santander reported the car as Voluntarily Reposessed and a balance owed as of XXXX, XXXX. This is totally incorrect and inaccurate.
Consumer complaint received 2023-01-07
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)

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2023 I transferred {$95000.00} from my checking account to my LOC account to pay of the {$95000.00} + interest. The Fifth Third Bank said there was an error applying the {$95000.00} and it will not be corrected for 10 days. During this time I will be charged interest and not have access to the money. 

My checking account is XXXX I contacted the Fifth Third employee XXXX # XXXX XXXX