davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX resolution specialist with Bank of America blatantly lied in response to a cfpb complaint from me. 
I have attached screenshots with his initial claim that he was unable to contact me. 
I have also attached screenshots of multiple emails between the both of us during the past month. 
I do not believe it is acceptable for someone to report to the cfpb with blatant lies that can be easily disproved. 
I don't understand the lack of respect for the cfpb from Bank of America, but I am used to them breaking the law against me. 
I do think he should be held accountable for this. During the pandemic crisis with people 's lives and on the line, I believe it is unacceptable for XXXX to conduct himself this way. 
There's no way on Earth I find anything he says to be credible because of this egregious lie.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I was approved financing by Wells Fargo. That same day I walked into a the XXXX XXXX XXXX XXXX and I purchased a XXXX and foundation. The store employee named XXXX XXXX told me ALL foundations will fit standard bed frames. I NEVER asked to purchase a XXXX XXXX XXXX. He selected that foundation WITHOUT my approval. Please also note, XXXX XXXX repeatedly asked me to purchase a more expensive foundation. I declined. 

According to the sales policy of XXXXXXXX XXXX are not returnable. Their policy does not say NO EXCHANGES. 

On XX/XX/XXXX XXXX delivered the mattress and foundation. The foundation was too big for my bed frame. I contacted XXXX and they rejected my request for an exchange. 

The CFPB should protect consumer from " bait and switch '' sales tactics. My dispute was initiated with Wells Fargo and most recently they rejected my dispute. I have decided to file a lawsuit against both companies. I do not understand why both companies will not satisfy a simple request of giving the consumer what he wants. 

Please investigate both Wells Fargo and XXXX. They are both complicit in using unsavory sales tactics and enticing consumers like me. 

Wells Fargo has a poor history in consumer finance. XXXX has return policies that are poorly written with a standard practice of REJECTING consumer requests. 

I am probably not alone.
Consumer complaint received 2023-01-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (FL)

Loan was paid of with the Loan insurance do to me becoming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company refuses to stop harassing calls and threatening to repossess my car. the loan was paid off according to the XXXX  insurance 2 years ago. I had to submit paperwork from my doctor to the insurance company which i did and was informed that everything was taken care of. I have contacted and let the company know that I have a POA and they refuse to speak with her and continue to call me daily unto 6 times a day and weekends this has affected my health do to the stress and my current XXXX XXXX ; XXXX XXXX XXXX and XXXX condition. I know that there is a fair debt collection act and a right to privacy act that has been violated also i am a senior. some of the violation are the 12 CFR 1006.18 ; 1006.14 1006.10 1006.26 1006.42 1006.6 just to name a few and the telephone act and the right to Privacy Act.
Consumer complaint received 2024-11-14
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC (VA)

I started using my Gemini card and then all of the sudden every charge was declined. Not a big deal I have other cards. Then I go to pay my card and nothing happens. I keep getting errors. I try all three ways to make a payment and get errors every time. I call customer service and they cant take a payment or tell me whats going on. I dont have physical checks to mail and no where in the terms and conditions did it say that would be the only way to make the payment. They clearly rushed this product and Im sure have created multiple UDAPP and other violations.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : : XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (DE)

Original tires with XXXX miles or 5 years warranty was driven for XXXX miles and GM Financial is charging me {$1100.00} for 4 new tires. 
Contract agreement was XXXX miles and tire must be faulty.
Consumer complaint received 2022-10-26
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. (NC)

I have made numerous attempts to work with this company to have the incorrect information removed from my account. I have been treated unfairly and at this point I want to make a formal complaint about the unfair treatment I have received. This account has so much wrong with it I don't know where to begin. I was lied to about interest rates, late fees and more. I was threatened by creditors, and even after I explained that most of what is showing on my report is incorrect I've been treated terribly unfair. I've brought attention to these errors several times- asked for it to be escalated to manager, and never was helped. I would appreciate you paying utmost attention to removing these incorrect items from my report. This company is impossible to work with and under the FCRA I am requesting them to be removed from my report IMMEDIATELY. I truly appreciate your assistance as I do not know where else to turn and this is greatly impacting my ability to further my life, buy a house, and get out of the viscous cycle of debt my generation is in.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day, 60 day, & a 90 day late payment to Experian, XXXX and XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

They are saying I took out a XXXX loan in XXXX I never attended XXXX in that year nor did I take a loan out in XXXX. 

I'm pretty sure my school actually closed down for good around that time
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CO)

Frontier Airlines closed my Frontier Barclays Credit Card due to inactivity. When contacted, Barclays representative stated that they typically send a written warning to card holders notifying them of the pending closure unless they utilize their card within 30 days. I received no written notice ( no notice of any type ). My current Frontier Barclays Credit Card is valid through XX/XX/23 ( if it had not been closed ). Frontier offered to reopen my credit card for an annual {$79.00} fee. I believe Frontier/Barclays closed my " no fee '' Barclays Frontier Credit Card to force me to a Frontier Credit Card carrying a {$79.00} annual fee. I would like my old Frontier Barclays Credit Card reopened. This seems like an unlawful action by Frontier Barclays Credit Card. Thank you.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

For the past week, I have been trying to log in to my Comenity account to make a payment. I have the Children 's Place credit card which is serviced through Comenity. There is NO way to get through to them as their website says, " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' When I try to log in with my credentials, I get an error message that says, " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I have also tried to reach out via telephone using the number listed on their website and receive a message that states the same thing about ".. .undergoing a planned system update that is taking longer than expected... '' It then automatically hangs up the phone after the automated message and there is no way to speak to any sort of human contact or make any payment. 
I did a XXXX search and see that they have given the same generic automated message as an update on their XXXX, and they are not answering consumer questions regarding how they can make their payments. 
We are worried about not paying our accounts and being hit with late fees due to their negligent actions. There was no information passed on to consumers that there would be an update performed, and there is no information being passed on to consumers now about when to expect to be able to do anything regarding our accounts.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2020-05-05
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. (CA)

On XX/XX/XXXX, I reviewed my credit report with the credit bureau Experian and discovered there are multiple fraudulent accounts on my credit report. I reviewed how to proceed and completed a hand written dispute letter, signed, a completed Identity Theft Affidavit and sent the letter via certified mail with a tracking number to Experian. This cost me approximately {$76.00} due to paying to review my credit reports, notaries and mailing costs. I placed a fraud alert on my credit file on XX/XX/XXXX with all the credit bureaus. Today is now, XX/XX/XXXX and to date, I have not received anything in the mail nor has the fraudulent account ( s ) on my Experian credit report been deleted. My rights with the Fair Credit Reporting Act, section 611 advise the credit bureau has 30 days from receipt to investigate and/or delete said fraudulent account. Experian has failed me as a consumer and is violating my rights under the FCRA.611 and I am now submitting a complaint to expedite this fraudulent account to be removed from my credit file immediately before filing a law suit against this credit bureau.
Consumer complaint received 2022-06-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (IN)

I paid a settlement agreement with this lender on XX/XX/2022. They are still showing the account as active with a past due amount on my credit report. I've requested this information to be updated as paid and updated on my credit report with no success.
Consumer complaint received 2022-11-19
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. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; 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 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
Consumer complaint received 2022-12-14
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. (NY)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 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
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint Against : Citizens Bank One Citizens XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against ( Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 

Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 

The merchant continued to charge my card, however, even after I had canceled the transaction with them. 

The disputed amount is {$4500.00} and the bank decided to let the merchant keep the money and the goods, as well. 

I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. 

I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal falsly claiming that the dispute was not filed timely, which is totally false. 

Thank you for your kind assistance and look forward to hearing from you. 


The bank seems to be biased against me a d discriminated meon the basis of Ethnicity, National Origin, Gender, and age. 


I have never received the goods and need a full refund. 


Respectfully, XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (MO)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Consumer complaint received 2022-12-14
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The 3 credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be deleted immediately. 

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 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 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 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 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 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