davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (FL)

ATTN : XXXX XXXX XXXX of XXXX XXXX, XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX  XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX  XXXX, XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I XXXX XXXX entered into a consumer credit transaction with Capital One Auto Finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Persuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Knowing that the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Capital One Auto Finance sent me a bill which is a violation of 15 usc 1692 ( b ) ( 2 ). Capital One Auto Finance has deceived me as a consumer and my rights were violated. Capital One Auto Finance failed to give me a right to rescind which is in violation of 15 usc 1635. In addition Capital One Auto Finance is in violation of 15 usc 1692 ( j ) ( a ). The term buyer is not defined per Truth In Lending, and what is not defined does not apply to me. Pursuant to 15 usc 1611 Capital One Auto Finance is criminally liable and civilly liable for double the amount of my finance charge pursuant 15 usc 1640. They are also liable for each FDCPA violation pursuant to 15 usc 1692 k.
Consumer complaint received 2022-07-14
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. (IN)

My name Is XXXX XXXX and this is my formal notice of complaint against XXXX for furnishing information to the credit reporting agencies XXXX XXXX Equifax without my permission. This has been an invasion of my right to privacy and is causing me XXXX XXXX XXXX, and inconvenience. 

I have reached out to XXXX on several occasions to resolve this issue and my requests have been ignored. 

According to the Fair Credit Reporting Act, in order to furnish the alleged XXXX XXXX  XXXX XXXX would need to be able to both VALIDATE and VERIFY my information with the original creditor. XXXX XXXX XXXX  XXXX has assured me it is not within their policies or obligation to validate any public records via correspondence they provided me with via postal mail, please see the attached exhibits. 
So how was this information validated and verified? 

Pursuant 15 U.S. Code 6821 ( a ) -Prohibition on obtaining customer information by false pretenses. 

by providing any document to a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

Also by providing any document to an agent of a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

XXXX claimed to have reviewed my previous requests for validation and verification in which they mailed a resolution letter with an updated copy of my XXXX file on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attached exhibits ) ... and is somehow still requesting that I authenticate my identity .... 

If XXXX is unable to authenticate my identity then HOW in the world were they able to provide me with resolutions to my previous requests? 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice. Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX. I am aware that Equifax, XXXX and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable if they do not delete these items immediately from my credit reports. I am also aware that this may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnish this alleged bankruptcy. 

Please review the attached Exhibits that support my claims.
Consumer complaint received 2020-12-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Complaint Case XXXX Summary of Complaint : XXXX refused to refund a charge after the host had agreed to cancel the reservation and XXXX admitted there was a system glitch. After filing a dispute with our credit card issuer, Bank of America ( BofA ), and following their dispute resolution procedures including responding to the subsequent letter asking of additional information which we submitted on XX/XX/XXXX to the XXXX XXXX XXXX, in XXXX XXXX TX, BofA still declined our claim for not receiving our letter and despite our initial explanation when we filed the claim which included the accompanied attachments to this complaint. 

Detail Explanation : During the CA fires, my daughter had to evacuate her home as the smoke was exacerbating her respiratory conditions. She booked a place though XXXX for XX/XX/XXXX through XX/XX/XXXX. Upon her arrival, the place was not ready and beds were not made, bath towels on the floor and dirty dishes in the sink. Upon contacting the host XXXX, she agreed to refund and asked XXXX to contact XXXX  ( communication shown in the attached ). XXXX my daughter contacted XXXX cust service who admits that there was system glitch and even asked for XXXX to show her hotel bill where she had to go showing the invoice she had to pay to spend the night. ( copies of the communication were also sent to BofA ). When XXXX replied that they would not refund, we filed the claim with BofA and provided the attachemnts. To our surprise they decliend the claim saying that they never received the additional info which we mailed before their XX/XX/XXXX deadline. 

Insutl over injury and a real shame that BofA and XXXX would take advantage of someone evacuating the area and not only charging one night but the entire stay when it was them who did not have clean but rather an dirty room. 
We appreciate the Bureau 's and BofA complaint response team for reviewing and helping us solve this complaint. 
All the Best XXXX and XXXX XXXX
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (GA)

See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2021-08-03
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. (MI)

Transunion is problematic. Dipsuted information still has no been removed, they refuse to provide credit score and report unless you pay ... which I did and still can't get resolution. XXXX/XXXX  is not a valid debt. XXXX has sent me validation of cancelation of policy, emails, proof of credit they owe me and STILL it is not removed as derogatory on my report. They also refuse to remove other accounts over 8 years old after many attempts and disputes. I'm sick of it. Fix this!! 

XXXX  needs to remove this items. 

XXXX  needs to confirm they have removed them.
Consumer complaint received 2021-12-06
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. (CA)

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. The account is a XXXX account through XXXX Bank XXXX.
Consumer complaint received 2019-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I took a loan out on XX/XX/19 for {$1500.00}. While the high interest was disclosed, there was no amortization schedule to show how the loan was to be repaid, the amount of each payment, or the total that would be paid including interest if the loan was paid as scheduled. I tried to take a lesser amount than the offered {$1500.00}, but their system automatically sent {$1500.00}, even though I had only asked for {$800.00}. The bi-weekly payments are criminally large and set up in such a way as to try to get borrowers to take another draw and end up in a cycle of borrowing/constant repayment. As of XX/XX/19, I have paid approximately {$1000.00}, and I still owe {$1500.00}. I would not have taken this loan had everything been laid out clearly, so I could easily see how long it would take to repay and what my bi-weekly payment amounts ( which are not the same every time ) would be.
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer credit report immediately.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CT)

An error was made by the mortgage company ( Dovenmuehle ) where they made an additional escrow payment in XX/XX/2020 to the city of XXXX, CT. As a result, my account was reflected on their side as being underfunded and they increased our new payments by XXXX $ XXXX/month. I have reached out to them for over 2 months now to resolve this issue multiple times proactively and they have told me that they lost their analysis, needed to conduct a new one, and they still have not resolved my issue. This issue is solely with Dovenmuehle and we can not afford to keep paying these overinflated monthly payments because of a mistake the mortgage company made in error. I need help because the mortgage company continues to ignore me.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Approximately XX/XX/XXXX I applied through my bank, XXXX XXXX, to refinance my mortgage. I have Credit freezes in place with all 3 credit agencies since I have been in the past victim of identity theft. I lifted the freezes without difficulty on-line with XXXX  and XXXX. However, 6 weeks later, I still have not been able to lift the Equifax freeze. I therefore can not refinance my mortgage. 

I have done the following with Equifax : 1. Tried to get the online account working without success. 
2. I was then requested to mail a request of the credit lift, along with 2 forms of identification which I did. 
3. I was never notified that the freeze was successfully lifted. Equifax states it was lifted, but XXXX was not able to access my credit stating the freeze was still in place. 
4. I went through this process a second time with the same result, it was not lifted and XXXX XXXX again could not access my credit report. 
5. I have tried multiple times to work with Equifax IT to fix my online account unsuccessfully. 

At this time, I have wasted hours and house of my time, XXXX XXXX time, and I STILL HAVE NOT ACCOMPLISHIED ANYTHING AND I CANT REFINANCE MY HOUSE! 

Whats else do I do?
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express raised the annual fee for the XXXX card to {$650.00}. Via online chat I contact Amex to cancel card. While first contact was late XXXX, the date Amex made the fraudulent retention offer was XX/XX/XXXX. Amex offered either XXXX points or a {$400.00} credit if I were to spend {$3000.00} in the next 3 months. I asked how do I confirm registration for the {$400.00}. Amex replied 'nothing I need to do... and it's saved in the chat. ' I met the {$3000.00} spend on XX/XX/XXXX. I paid off the balance and contacted Amex on XX/XX/XXXX to inquire about when I would see the {$400.00} credit. At that time Amex stated there is no promotional offer and I referred them to the chat save above. The Amex response was I never officially accepted the offer to which I copied and pasted the converstaion of me asking " how do I confirm registration ... '' and Amex replying " nothing further to do.. ''. After back and forth the agent assured me I would receive the credit 8-12 weeks after I met the threshold date on XXXX, to which I confirmed several times " credit will be issued between XXXX. '' They confirmed this would be the case. 
On XX/XX/XXXX I followed up to see we passed the date and no credit issues. The Amex agent said they would take 8-12 weeks to REVIEW the situation. Only after much time and pressure Amex said they would respond within 5 business days. 
I waited the period indicated and then an extra few days, no update and no credit. 
On XX/XX/XXXX I contact Amex again and was forced to recap the entire scenario from XXXX to date, again. I was assured the credit was issued and I would see it updated within XXXX. I checked back on XX/XX/XXXX - NO CREDIT. 
XX/XX/XXXX start all over again with agent. Get to the same point where they apologize and " promise '' I would see credit in XXXX. Nothing from this company
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (GA)

Wellfargo closed my accounts after more than 20 years in service with that company, the reason is that i am high risk customer because over several months i cashed some third party check from same company which i had an agreement which. 
We run a small convenience store and cross street from us there is a scrap yards company that dispense check to customers so we had an agreement with that company that allow me to cash check for their customer since some of those customer do not have id or do not want to drive all away downtown to the bank or avoid high cash checking fee. 
so over more than eight months we have cashing that company checks over XXXX checks free when customer buy something from store. 
We apply for check cashing licence with XXXX but because of the volume of checks cashed which is less than XXXX a week banks refused to open us a money service account. 
I was surprise when the bank send me a letter closing all my account and holding a large amount of money from my saving account saying that i can not cash a third party check without going thru the process of cash checking. 
I contacted the financial manager of the recycling company so he can clarify the issue but wellfargo refused to speak to him. i tried 3 ways phone call they still refused to speaking to him saying that they can not speak to third party. 
I am very desperate right now, i falling on rent, store supply low, behind on employers wages.. 
wellfargo want us to bring all the individual with name on check to the bank with their id to confirm that its ok for us to cash their check and if they actually received money from us they know i am not able to do that there more than XXXX checks. all they should do is to contact the issuer of the check and the recycling company to verify if i am allow to cash their company checks please help. 
thanks
Consumer complaint received 2020-12-11
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: ERC (WA)

On XX/XX/2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OH)

I had a home warranty through XXXX XXXX XXXX ( XXXX  ) contract # XXXX with coverage for HVAC breakdown. During a heat wave this Summer, I opened a ticket for broken AC. XXXX approved the ticket ( covered item ) and sent a XXXX. The XXXX would not fix the issue because he said he was new and did not know how to fix the problem. I called XXXX several times waiting on long holds. The rep did not speak XXXX well and kept reading scripts, but not listening to my complaint. I wanted another XXXX to be sent out to fix our AC ( our family had to sleep at our neighbors house due to 95 degrees in our apartment ). I called back a few more times, getting different reps that also did the same thing, no help. I finally called a local XXXX company and they came out and fixed it the same day - I had to pay a hefty charge. I called again to XXXX  to ask for reimbursement, was given a " supervisor '' who said my claim was closed and I owed them the {$75.00} deductible for the contractor coming out. I refused to pay it since their contractor said he didn't know how to fix it and they wouldn't send another contractor. The supervisor said they would send me for collection if I didn't pay them. I told them to cancel the warranty altogether, which also was refused. I stopped the auto pay from my checking account the next day. I do not owe them - they have very DECEPTIVE ABUSIVE PRACTICES to avoid paying a claim, and not providing me any options to resolve the issue.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: ROBINHOOD MARKETS INC. (MI)

I requested to close my account with Robinhood and make an ACATS transfer to my existing XXXX brokerage. This request was on XX/XX/XXXX. I only had one share of one security. They charged me a {$75.00} transfer fee. They did not mention this in the transfer request. This was more than the value of the one security, so they took money from my XXXX account and therefore it got sent into a negative balance. Luckily I was not charged any fee from XXXX, but this seems wrong from Robinhood for just wanting to move to another brokerage. If I had known it would take me into the negative on a completely different account, I would have just sold the security and taken cash.