davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK (CA)

This is regarding a checking account I opened with XXXX XXXX in the beginning of XX/XX/2019. I opened the account online without any issue and paid the minimum deposit ( {$25.00} ) immediately. Over a month went by and I hadn't received my debit card in the mail so I contacted them only to fin out the account had been closed. While this struck me as strange, I didn't protest as their customer service and general apathy up to this point left me feeling content to sever the relationship. However, 2 unresolved issues arose from this : A ) They confirmed my account was closed on XX/XX/2019 yet did not return my balance I had from the minimum deposit I made and they still haven't nor have they expressed an intent to even though as I understand it they are legally obligated to do so. And B ) I happened to have requested my XXXX report at the time all this was happening and it seems TCF reported my account to XXXX as " closed for cause '' which is a serious thing to add to someones XXXX report, when I asked TCF about this they claimed they don't know anything about it nor how to fix it nor why this report was made. Keep in mind, I had NO ACTIVITY on this account other than opening it and giving them the deposit which they have thus far absconded with on TOP of damaging my XXXX report which consequently cause my checking account at another financial institution to be closed which incurred significant damages to my professional, personal, and financial well being. Again, ZERO transactions, no interaction with the account in any way yet they file this obviously fraudulent report at my expense, and withhold my remaining balance for no reason. I contacted customer service 8 times now via phone and email and they either pretend not to understand me and just yell over me, or claim there is nothing they can do. Please help. I very much appreciate your attention to this matter and am happy to provide further documentation of these events upon request. 

Regards
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (UT)

I used my mortgage company 's biweekly payment system which makes 26 payments a year instead of 12. 

I recently discovered that they don't apply the payments being made to the principal. Instead, they are holding the money in their account until the end of the month and then apply all the money received during that month. 

I called and told them I didn't think this was right and even offered to make an extra payment so the payments would be credited toward the principal at the time the funds were received and they said that world n't work.
Consumer complaint received 2017-06-02
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. (NC)

This CFPB Complaint is NOT a request for reinvestigation of a dispute. Equifax continually blocks me from obtaining disclosure of my consumer file also described by Consumer Financial Protection Bureau ( CFPB ) as " file disclosure ''. On XXXX XXXX XXXX and several days thereafter, I repeatedly tried to purchase my Equifax file using the automated system XXXX but to no avail. Equifax repeatedly declined my requests to purchase my file when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly, I NEVER received results of the alleged completed investigation from Equifax. Also, alarmingly, for the year XXXX I NEVER disputed any information in my credit file with Equifax. Evidently, someone other than me, made an unauthorized dispute in my consumer file. I am a victim of fraud. On XXXX XXXX XXXX, I discovered that the numeric portion of my current address was changed without my knowledge or request. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g serves to further expose me to fraud/identity theft and harm. On XXXX XXXX XXXX I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money order # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure. Subsequently, I learned that my money order # XXXX was cashed. However, I dont yet know who cashed the money order. I do NOT have any record of an agreement for subscription or membership to any online products or services owned by Equifax Inc. or any of its subsidiaries. I do NOT want any subscription or membership to any online products or services owned by Equifax Inc. or any of its subsidiaries.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NM)

Creditor broke Fair Credit Reporting Act : Privacy right breached 15USC1681602. Account info cant be shared without my written consent 15USC1681 604a2. Payment on credit card cant be considered late 15USCS1666b. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-17
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. (NV)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On Tuesday XX/XX/2022 the Citibank is closing mine. 
This is every wrongful to close mine account. 
I need someone to investigate this. I call Citibank talk to customer they did not helping me at all them every meaning to me, and XXXX to me and said am XXXX have no money and dont need to open the account. 
I would like Citibank turn in all phone call when talking to the customer on the record line when I call customer service. 
That is every XXXX by Citibank customer.
Consumer complaint received 2019-10-17
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. (OH)

I have a line of credit in the amount of {$1000.00} with XXXX XXXX. I am a long standing customer as well as my husband as his business account are with XXXX ( was known as XXXX XXXX XXXX as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, XXXX reported this to Equifax with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with Equifax which I know can't do anything about it without XXXX getting involved. My account is open and active and XXXX would not even send an update to Equifax and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with Equifax but without XXXX cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX
Consumer complaint received 2022-09-26
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. (NC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to delete any items recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FCRA Violation : other loan never latXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation XXXX hard enquiries not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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: CORELOGIC INC (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Report # XXXX Since XX/XX/2022. I contacted the credit bureau to correct the wrong information on my credit report TILL date they have not fixed the inaccurate personal data. 
Wrong names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Inaccurate addresses XXXXXXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Report # XXXX Since XX/XX/2022. I contacted the credit bureau to correct the wrong information on my credit report TILL date they have not fixed the inaccurate personal data. 
Wrong names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Inaccurate addresses XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-12-03
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: V and H Portfolio (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (MN)

XX/XX/21 Previously applied and approved for vehicle title loan. Signed all company documents and was sent away with out money for loan. 

Subsequently, told by One Main Financial that I needed an updated deed to reflect XXXX XXXX as lien holder. I did so and have attached the correct lien. 

Later told by XXXX and XXXX that they wouldn't deal with me as I filed a complaint with the CFCB.. This feels discriminatory and retaliatory in nature. I qualified and able but they now refuse service.
Consumer complaint received 2022-09-26
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

From the time Business account # XXXX and my Personal Account # XXXX were opened until the present day, I have never authorized ( Predatory ) " Overdraft protection '' on any account. 

I have repeatedly asked that Chase bank stop allowing " ACH debits '' when funds are not available. I call Chase to have as many of the fees reversed as possible as much as possible. 
Chase employees have a limit on the number of fees that they will reverse. Chase is giving me many predatory loans every month. on occasion amount debited is as low as {$7.00} and the overdraft os {$34.00}. 
Chase charged as many as 5 overdrafts or more in a day. In a month it is an average of {$400.00} or more per account. 
I am being given short term loans I can not afford and I did not accept. The robbery has the consequence of ruining my ability to pay my other obligations. This is hurting my credit, my future, and my family. 
The Chase bank owners are taking a house payment amount from me every month. This issue is urgent.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2017-11-05
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. (NJ)

Citibank Credit Card has been negligent in protecting my credit card against fraud and unauthorized charges. 
In XXXX XXXX fraudulent online purchases were made on my credit card totaling {$3000.00}. Citibank did not catch these charges. I had to notify the company and request the card be shut down. While I did receive credits for the fraudulent purchases it was not without inconvenience as any company with the card on file for automatic purchases had to be notified. 
It is now XXXX XXXX and the same thing has happened again. Fraudulent online purchases were made on my new credit card on XXXX XXXX, XXXX totaling over {$1000.00}. My brand new card that was just issued has been shut down again and a new one has been issued. 
I now have to update my credit card number with all of the merchants that have my card of file for automatic purchases. 
I have been a customer with Citibank for almost 20 years and this has happened many times. However, Citibank informed their customers that since the new cards had the " CHIP '' technology, our cards would be better protected. This is not the case. 
Citibank is not providing adequate security to protect their customers from credit card fraud and must be held accountable for the inconvenience it is causing their customers. Simply crediting their customers for the fraudulent charges is not enough. More of a deterrent is needed so they will invest time and money into better technology to prevent thieves from obtaining credit card numbers to begin with.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (AZ)

Hello I had open a Checking account with BBVA in XX/XX/2019- I was advise that there overdraft protection would be applied if I do not have enough funds when the transaction Finalized and post to the account- I had notice that was not happening- I would get deposit in the account to cover the transaction but was still being charge there fees- After talking to the Bank I was inform of the same thing Now there story has change and they state they go by the original time stamp, if that the case there a ton of transaction that was charge a fee when there was funds in my account already to over the. there are multiple calls clarifying this issue and since the Bank and there employees keep providing wrong info and does not know what there policy truly is I am not reaching out- they are refusing to take care of there new Member do to the improper info that been provided I recommend a full investigation on there overdraft services
Consumer complaint received 2019-10-17
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. (RI)

Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and Transunion, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of XXXX XXXX Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.