davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

This is a follow-up/new complaint against the CRA, Equifax. 

Over the past few months, possibly years, I have attempted to access my Equifax Consumer Report by using their website, " myequifax.com '' and third party sources ( e.g., XXXX XXXX ). I have made several calls to Equifax customer service regarding this matter, with no resolution. I have also petitioned this government agency, CFPB to investigate in order to help determine why my report is inaccessible to me on an ongoing basis. 

My attempts today, XX/XX/2020 by using Equifax 's " myequifax '' website and contacting their service yielded no results that would allow me to view my credit report online. My online Equifax report complete omits any information tied to my history of being in the credit bureau 's file. In most cases, there are all zeroes ( see attached ). 

The Fair Credit Reporting Act states that credit bureaus must provide accurate information. I also have a right to view my file like other consumers whether online or paper. By refusing me this right, as outlined in the FCRA, Equifax has placed me at a great disadvantage ; I am unable to determine if the information that is being reported is accurate. Therefore, the ability to file a dispute as outlined in the Act [ 15 U.S.C. 1681i ]  is removed from me and I can not launch legitimate disputes because I can not see my file.
Consumer complaint received 2019-06-12
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: EQUIFAX, INC. (DC)

I have disputed the late payments XXXX XXXX,   XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (FL)

First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.
Consumer complaint received 2019-06-12
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. (FL)

First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.
Consumer complaint received 2022-04-08
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: CITIBANK, N.A. (MD)

On XX/XX/XXXX, LL Bean Mastercard alerted me to possible fraud on my account ( XXXX am ) via email. At XXXX I contacted LL Bean Mastercard at XXXX. I spoke with operator XXXX at length, the operator reviewed each of my transactions for the month of XXXX. She closed the card and supposedly reissued a card ( not yet received ). All " normal '', I made a request to have an email relating the charges being removed from my account and tha I was not liable for those charges. She confirmed that would be done and I would receive said email in XXXX business days ( because I specifically requested the email ). On XX/XX/XXXX, I had to call customer serice-transferred to XXXX to be told that " we do not provide email confirmations, only mailed confirmations ''. Additionally, today XX/XX/XXXX I contacted the Securities Department operator XXXX stated there was NO REPORTED fraud showing on the account, again I reviewed the fraudulent charges and XXXX XXXX stated XXXX would tag them as fraud but the credit would not appear until the following month ( meaning I would be responsible for the interest on {$1500.00} in fraudulent charges ). And her supervisor XXXX XXXX ( operator KHN ) refused to provide the email as requested for me, and again stated that the XXXX department had no prior XXXX reported on the account until XXXX submitted today on XX/XX/2022. So today I have no confirmation ( CitiBank refuses ) to provide an email stating that I am not liable for these charges or for the incurring interest. XXXX the supposed " XXXX '' in XXXX refuses as well to provide a confirmation that these fraudulent charges ( the ones the XXXX up on XXXX ) are not my liability. Additionally, these charges won't be removed until the next billing cycle making me liable for the interest at 14 % for {$1500.00}. I am not being unreasonable, past experience with CITIBank indicates that this tactic is very normal and consistent with their operating mode.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

We reached out to CitiBank on XX/XX/XXXX when I realized that my promotional balance expired on XX/XX/XXXX. I explained to them that I thought it expired in XXXX and asked to get the interest charges waived as a courtesy. 
I received a response on XX/XX/XXXX at XXXX ET with the following message : We received your recent email regarding your account. 
Unfortunately, your promotion expired on XX/XX/XXXX with a balance remaining unpaid. Under the terms of the promotion the deferred interest charges have been added to your account. As a courtesy, we will waive {$210.00} of the interest charges if you will make a full payment of {$350.00} on or before XX/XX/XXXX. Once your payment has posted to your account, you may submit a request for the adjustment. 
Please let us know if we can be of further assistance. 

We made the requested payment on XXXX for the amount and before the date. I reached out again on XX/XX/XXXX asking for the interest to be waived since we made the payment as asked by the deadline. Citibank responded that they were unable to execute the interest charge adjustment. 

This is deceptive and unfair where an agent requested for a payment which we made and then wouldn't follow through with their commitment. There was a financial impact on the agent 's actions.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

On XX/XX/2019, a Over Draft was made to my PNC account. However, I cleared the overdraft the same day and as per PNC customer service they were unwilling to refund me back my Overdraft fee. As per PNC checking account guidelines in order to not get charged an overdraft fee the overdraft must be cleared in the same day. I followed PNC guidelines and were still charged a {$36.00} overdraft fee when I told them I need to pick up my prescription they dismissed it, and said there was nothing they can do. 

My Reference number from my PNC call XXXX
Consumer complaint received 2024-04-30
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion, This letter is to inform you that you are reporting inaccurate information on my consumer credit report which is not my info. The inaccurate reports are affecting my ability to obtain credit accounts. I will list below all of the inaccurate information. According to 15 U.S Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit-reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 US Code 6802 a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 


Inaccurate Info XXXX XXXX {$300.00} XXXX Closed Account ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) XXXX XXXXXXXX XXXX {$1000.00} XXXX ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) XXXX XXXXXXXX {$300.00} XXXX ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) Hard Inquiry XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX  XXXX XXXX Hard Inquiry XXXX XXXX XXXX XX/XX/XXXX Pursuant to FCRA section 607 ( b ), a consumer reporting agency must maintain procedures to avoid reporting information with obvious logical inconsistencies. The FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees. [ 37 ] Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2020-09-16
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. (NM)

This is an ongoing problem. I will continue to submit complaints until enforced. XXXX negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New Mexico Court Order, the order states the " mortgage and note are unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX XXXX
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX appears on my report as a personal name used by me. I have no idea who she is or why her name appears on my report. Also I have never lived at XXXX XXXX XXXX which also appears on my account.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I deposited a {$2500.00} check using Bank of America 's mobile App on XX/XX/2020 and was made to understand that the funds will be available for items posting on my account on the next business day, XX/XX/2020. However, the funds were never made available and this caused an overdraft transfer of {$2500.00} from my Bank of America credit card to cover an outstanding balance .I incurred a {$12.00} fee as a result of this. However, when I called and requested a refund of the {$12.00} overdraft fee on the credit card, they obliged. 
In the meantime, I was told the funds for the check has been delayed and wouldn't be release until XX/XX/2020 at XXXX ET. However, the checked cleared my other bank on XX/XX/2020. I called Bank of America 's customer service on two occasions to get the funds release, but was unsuccessful. Is unfair for them to keep my money for that amount of time and not pay interest on it. Furthermore holding the funds for 9 calendars has caused me severe financial harm and I want them to  compensate me and release my funds immediately. I even suggested that we call my other bank to confirm that the check has cleared but got turned down.
Consumer complaint received 2020-02-07
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. (CT)

I have paid down considerably on this account from XXXX XXXX XXXX, XXXX, Transunion, and XXXX  are reporting incorrect information. The balance is now XXXX and it should reflect that.
Consumer complaint received 2018-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. Upon receiving notice that my loan had been transferred, I received a new list of servicing costs from XXXX XXXX XXXX. The fees now being charged for basic services have all risen drastically. In one case -- fees charged to litigate a claim against me -- has gone from {$350.00} to {$20000.00}. Another fee -- the fee charged to compensate attorney for services rendered -- has gone from {$30.00} to {$35000.00}. I do not foresee the need for either of those happening, but it certainly would be a serious issue were I to need to file a case against my loan servicer. Additionally, even the fees I need to pay if I wanted to refinance and get away from XXXX XXXX ( e.g. appraisal fee, inspection fee, lien release fee ) have all gone from {$0.00} to several hundred dollars.

I was not consulted when XXXX XXXX sold my loan. I am now with a company that clearly wants to keep me as a customer by making my switching costs extremely high. This is completely ridiculous.
Consumer complaint received 2022-11-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The unverified account listed below continues to report on my credit report, in violation of federal law. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Experian does not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This is an ongoing problem. I will continue to submit complaints until enforced. XXXX negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New Mexico Court Order, the order states the " mortgage and note are  unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX XXXX
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX ,
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At the Beginning of XXXX XXXX the XXXX ) I noticed that there were fraudulent withdrawals being made from my XXXX debit card that I have with Bank of America. I called immediately and they told me that they were going to file a claim and that my card would no longer work but that I would receive a credit and would still have access to the account to be able to deposit and withdrawal money while I waited for a new card to be sent. After a week went by I saw that I was no longer able to sign in online to view my account and when I called I was told that since they are having a lot of fraudulent activity that they are just completely freezing any account with a claim and that they are investigating them in the order that they were received. I was also told to call back every few days to check the status of my account but even until today on XX/XX/XXXX, there has still been no update and it is still frozen. I wasn't until the 4th time I called that I was told that I have to fill out a form for XXXX to verify my identity and that once that was done I would have to call Bank of America back to request another form to be sent. I've called a few times each week and there is still no change to my account, they say I am supposed to receive a letter saying that my funds have been returned and that I can access the account but I have yet to receive any such letter. I called unemployment and they told me that if I filled out the form to verify my identity then I just have to wait until both entities finish there investigation and communicate with each other, meanwhile I still have to certify for benefits every two weeks and money is being deposited into an account that I can't access and I don't have any other means of income.
Consumer complaint received 2023-03-21
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: SYNCHRONY FINANCIAL (GA)

PayPal Extras Mastercard enrollment me involuntarily in a card security program tbey were billing me for monthly. When I noticed these charges, they removed me from the program but were only willing to offer a partial credit for the prior charges. The fee was getting incrementally larger every month and it seems they count on people not noticing while they collect their fees for this service and later refuse to refund you for this. They claim I signed up for it when I applied for the card ; however, I wouldn't have knowingly opted in for this. So, apparently, they are deceptive about how they enroll people as well. When I messaged and called to cancel, PayPal referred me its card security division, which seems like a third-party altogether because they didn't have direct access to my PayPal account and had an old address on file despite my having updated my address in my PayPal account . As well, they initially send you to a website to cancel, which requires you to log in or sign up. However, if you didn't sign up to begin with, as in my case, you won't have credentials to sign in obviously. These are fraudulent and bad business practices. Consumers should beware.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Paypal Holdings, Inc (CA)

They are trying to say that I am not showing proof that they charged me twice. I think PayPal is hacked. But I have a record of purchases and my bank statements.