davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (LA)

I recently wrote to State Farm Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. State Farm Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau XXXX -whom is a government entity. State Farm Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable history, or unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. State Farm Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that State Farm Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is State Farm Bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which State Farm Bank is seemingly willfully noncomplying. Furthermore, State Farm Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to State Farm Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXXwhich has been like this for a long time, yet, State Farm Bank continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2023-01-31
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. (CA)

The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX DOE to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX DOE in XXXX. I never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX XXXX too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects a poor payment history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by TransUnion. It has costed me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and has unnecessarily XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2020, I went in to XXXX for a consultation. When I was there, XXXX had written up a Financial Agreement for XXXX to be performed. I was told to call XXXX XXXX, to see if I could increase my credit limit, so I could do this XXXX. 

However : a ) I was declined for a limit increase for XXXX XXXX ; b ) we had the coronavirus pandemic shortly afterwards, and the XXXX location was closed and may still be closed. I'm not sure. 

I didn't want to go thru with this procedure, not only due to the pandemic, which is the greater reason, but also because I didn't want to proceed with this procedure if I had to go thru a million hoops with financing this elective XXXX. 

On XX/XX/2020, I submitted a {$500.00} deposit. I was supposed to have a XXXX consultation on XX/XX/2020, which never happened, due to the pandemic. 

On XX/XX/2020, I both emailed AND mailed a letter to the Patient Care Consultant at XXXX who I had seen just a couple of days prior. I told her that I decided against the XXXX, and I asked for a refund on my credit card. 

I emailed the XXXX XXXX Consultant back and asked her to refund me my {$500.00}, or I was prepared to get a hold of Capital One. 

On XX/XX/2020, I get an email from the Patient Care Consultant, saying " Hi XXXX we been trying to get in touch with you to explain the process of the refund. 

I was working very long hours that day, so I just emailed her back to just email me information about the refund process, or leave me a voice mail regarding getting a refund. 

I have saved a voice mail on my phone from the XXXX XXXX XXXX basically saying that they can't give me a refund. Therefore, I contacted Capital One. 

Capital One assured me that this issue would be resolved, and that my account would be credited. However, on XX/XX/2020, they reversed the credit that they had originally given me and decided to reinstate that charge. 

This whole journey has left a VERY sour taste in my mouth regarding not only XXXX, but Capital One. 

Please note that as of a couple of weeks ago, I removed my name as an authorized user on this Capital One account, as my husband 's and my divorce has now been finalized. I still have the credit card number of MY previous Capital One card ; however, a credit would now need to be applied to my ex-husband 's account, because it is that account in which they reinstated that charge.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One sent me an unsolicited application for a XXXX Credit Card via my XXXX email account. The solicitation provided a link to a web page where I provided my private credit information. Both the unsolicited email and online credit card advertisement informed me that I am eligible for a {$200.00} -- rewards cash credit after spending {$500.00} in XXXX  months. Per credit contract with Capital One, I provided my credit information, which impacted my credit report. I provided my private contact information protected under the Federal Privacy Act of 1974. Capital One is now communicating that they are choosing to breach their contract with me by not paying the advertised {$200.00} -- rewards cash credit to my Capital One credit account. 

Email received from Capital One<XXXX XXXX XXXX, you're approved for a XXXX Rewards card XXXX XXXX XXXX  Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening '' - I have excellent credit. 

I called Capital One multiple times to confirm eligibility for the {$200.00} cash bonus. Now after spending and paying off well over {$500.00} -- of purchases over the last 3 months, I am told by Capital One that I am not eligible for the {$200.00} -- cash credit. 
Changing the terms of my credit card credit contract after Capital One has retrieved my very personal financial, private information constitutes a breach in contract and makes the Capital One Online credit card solicitation false if not fraudulent. Remedy is for Capital One to provide me with the advertised {$200.00} -- cash reward.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (GA)

On XX/XX/2020 there was an unverify entry on my credit report. I have previously sent letters by mail to verify the validity bof this information on my credit reports. 
I tried to settle this account even without verification but company refuses to remove unverified account.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (AR)

Purchased a car from Carvana on XX/XX/22 sell price $ XXXX tax $ XXXX $ XXXX payment {$2900.00} ( {$65000.00} amount financed ). I listed a handful of issues with car immediately and was told that they would fix it as it was under warranty. The biggest issue was the radio, to date my radio is not working properly ( popping and volume is very low ). 

I had a change in my personal life and looked to trade my car back to Carvana ( XX/XX/22 ) to purchase another vehicle from them, it was then that I learned that I was VERY upside down, I had {$24000.00} in negative equity in 4 months ' time. I took possession of my car on XX/XX/22 ). I did not trade in a vehicle, just simply bought a car. I now am stuck in a car that I really need to trade out of. My car payment is high and really need a lower car payment. I reviewed predatory auto loans and per definition, predatory lending is " any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity ''. " Predatory lenders often use deception to get borrowers to take out loans they can't afford ''. This is what happened to me, my interest rate was very high and when I asked about the interest rate, I was told that I could make 2 payments and refinance. In XXXX I asked about refinancing after I learned that I could not trade due to all the negative equity that was placed on my car, I was told " Oh we don't do that anymore ''. So, I am absolutely in XXXX  with this car. I really need help! No one should have {$24000.00} in negative equity in 4-5 months. I am being forced to keep a car that I can not afford. I do not have $ XXXX to give to a dealership to get out of this car. I have attempted to resolve this issue and Carvana has not assisted. I really need an intervention.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (CO)

I was attempting to rent a room from XXXX but there was fraud. I was skeptical of the payment issue however the disclosures with Wise, the company I am submitting a complaint on, state that I could cancel within 30 minutes unless the money has been paid out. In the disclosures it states it usually Takes up to 4 working days. Because of this, I submitted the transfer with the understanding that I would have a cancellation window to verify the transaction. After confirming there was fraud. I attempted to cancel within minutes and was told it was too late because the money was sent in 4 seconds. I find this deeply misleading and unfair as it is clearly impossible to cancel in 4 seconds and the disclosures state that it takes 4 days. Now they are trying to hold me accountable while refusing to acknowledge that their process is deeply flawed.
Consumer complaint received 2023-01-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (IN)

In XXXX my husband filed bankruptcy on a vehicle HE owned. It has been reported as XXXX on his report but shows I owe them {$3800.00}. I was never on loan. After that was discharged, magically they added the debt to my credit report as owing about {$3800.00}. They then hired a collection attorney in XXXX to sue me. In which I responded with all ORIGINAL ink signed paperwork-none showing my name. Covid hit and it got delayed. XXXX comes around they re-open the court case. I dispute again. This time actually getting a hearing and it being fully dismissed with predjudice. The company sent a letter XX/XX/XXXX, stating no $ is owed, however, for the last 5 years this has negatively impacted my credit. I have disputed it multiple times via the credit bureaus and by sending them letters. I want this FINALLY deleted from my credit in full, and the business should be fined along with the credit reporting bureaus.
Consumer complaint received 2023-01-21
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. (GA)

I received a copy of my credit report regarding XXXXXXXX XXXX ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise.

Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary.

Please send correspondence via mail regarding the changes.
Consumer complaint received 2020-05-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC (VA)

I was contacted Direct Recovery Services and told that I owe {$380.00} for a past balance to XXXX. While I do remember doing business with XXXX at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to Direct Recovery Services and disputing this amount. I am also placing a complaint with the CFPB because I know that XXXX was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Yes I deposit my check and first it cleared and then they stop it and said that I owed them money for depositing the bad check my check isn't bad I just got it from my job so how is it that my check is bad so they close my account and here I am fileing a complaints
Consumer complaint received 2023-01-21
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. (NY)

Accordance with Fair Credit Reporting act XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States I have the rights to privacy.

15 U.S.C 1681. Section 604A section 2. It also States a consumer reporting agency can not furnish a account with out written consent with out my written instructions
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I received a prepaid XXXX for XXXX with {$200.00} on it but i can not use it to purchase anything and the website doesnt allow me to check the balance and the number in the back of the card wont let me get ahold of a representative.
Consumer complaint received 2023-01-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I was entered into many fraudulent agreements. I have been lied to and those lies have caused me an extreme amount of economic loss and mental anguish. With the accounts listed below, I was never given an explanation on how I can exercise my nondisclosure option Pursuant to 15 usc 6802 ( b ) ( C ). With any of them.

I have been trying to opt out from these companies sharing my non-public personal information with no availability for well over 1,000 days. My rights have been violated by all parties involved in the sharing of my non-public personal information and demand my private information be kept private. 

Remove all accounts listed below because I was not given full explanation on how I can exercise my nondisclosure option.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo allowed fraudsters to open up an account which we wired money to after our title company was hacked ( $ XXXX ). We were able to stop the transaction with the help of the FBI and local PD and recover the money, however Wells Fargo has not released our funds and will not give us an answer as to when our funds will be returned to our account ( with XXXX XXXX ). It has been over a week, and we are going to now lose our home along with the $ XXXX deposit we have placed. We have made numerous phone calls to Wells Fargo and have transferred to a different department everytime who is supposed to be handling this case. We have case number, however no one seems to be able to answer when our funds will be returned, and blame XXXX for the delay. We have spoken to XXXX, who has been able to show us the things that have been sent to Wells Fargo per Wells Fargo request. For all intents and purposes, Wells Fargo is holding our money " hostage ''. We need help, and no one seems to be able to help us
Consumer complaint received 2023-01-21
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. (MO)

In accordance with the fair credit reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C.1681 XXXX XXXX XXXX XXXX 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. 1681section 602, A : I have the right to privacy 15 USC. 1681 sec.604 A sec. 2 Also States consumer reporting Agency can not furnish an account With or without my written instructions 15 USC. 6168 C. ( NA ) ( 5 ) sec. States No consumer reporting agency may make any consumer you may report containing any of the following items of information, any other adverse item of information other records of convictions of crimes which Amendates the report by more than 7 years 15 USC. 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows Or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

In the whole year of XXXX XXXX the where making my account goes on overdraft and keep charging me when the money waw there they keep taking the money then added the money back there again changing the amounts in available balance sometime I got some money and then there money wasn't there for some reasons transactions. The amount on the ATM withdrawal crazy
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2020 I was recharged on my credit card for a service I did not receive. 

Chase bank did not inform me about my dispute being rejected until after the time frame of responding back was over. 

Previous employees I spoke to on the phone told me I was fine and they would update me.
Consumer complaint received 2020-05-27
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. (NJ)

I already sent documents with my first complaint, Experian claimed to not have received so I am resending the documents AGAIN as per EXPERIAN REQUEST SO THAT the fraudulent items can be removed and blocked
Consumer complaint received 2023-01-21
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. (DE)

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights