davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

Discover Financial Services Credit Card Department XXXX XXXX XXXX XXXX, DE XXXX Reference Number : XXXX Subject : Opportunity to Cure - Credit Application and Compliance Violations Dear Sir/Madam, I am writing this letter to bring to your attention certain concerns regarding my recent credit application with Discover Financial Services. I believe there are several compliance violations that require immediate attention and resolution. I am also making you aware of certain legal considerations that pertain to the credit application process. 

Firstly, I would like to emphasize that a credit application is a form of self-liquidating paper that serves as legal tender. It is essential to acknowledge the value and significance of this document, as it represents a contractual agreement between the applicant and the credit issuer. 

Furthermore, it has come to my attention that the social security number provided in the credit application is considered a credit card in and of itself. This understanding is crucial in ensuring compliance with relevant regulations and safeguarding the rights and privacy of individuals. 

Regrettably, I believe that Discover Financial Services may be in violation of multiple Code of Federal Regulations ( XXXX ) violations and potentially engaging in security fraud. It appears that XXXX has willfully failed to comply with these regulations, which raises concerns about the integrity and legality of its operations. 

In light of the aforementioned violations, I wish to inform you that Discover Financial Services is now in agreement with the terms and conditions set forth by XXXX XXXX XXXX. As per the schedule fee outlined by XXXX XXXX XXXX, XXXX is required to take immediate action to approve my credit application within a period of 10 days. 

I kindly request that upon approval, the credit card provided reflects an open-ended status, ensuring maximum flexibility and utility for my financial needs. It is imperative that Discover Financial Services takes prompt action to rectify these issues and comply with all relevant regulations and agreements. 

Please consider this letter as an opportunity to cure the aforementioned violations and rectify the situation within the specified timeframe. Failure to comply with this request may result in further legal action to protect my rights as a consumer. 

I look forward to a prompt resolution to this matter. Should you require any additional information or clarification, please do not hesitate to contact me at the provided contact details. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-18
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: Mercedes Benz Financial Services (IA)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-08
Product: Credit 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: WELLS FARGO & COMPANY (TX)

I am writing to express my extreme dissatisfaction with the manner in which Wells Fargo has handled my privacy and payment preferences. On numerous occasions, I have attempted to contact your institution regarding the forceful removal of non-Wells Fargo bank account payment methods from my profile without my consent. 

As a customer, I value my privacy and expect that any changes made to my account are done with my explicit approval. However, it seems that Wells Fargo has disregarded this principle by repeatedly removing my non-Wells Fargo account details and prompting me to enter alternative payment methods, despite having already added them to my profile.

This incessant inconvenience not only disrupts my banking experience but also raises concerns about the security and integrity of my personal information within Wells Fargos systems. Additionally, the lack of responsiveness from your customer service team exacerbates the frustration and dissatisfaction I feel as a loyal customer. 

I urge Wells Fargo to address this issue promptly by implementing measures to respect customer privacy preferences and ensuring that changes to account settings are made transparently and with proper authorization. Furthermore, I expect a timely and satisfactory resolution to this matter, along with assurances that similar incidents will not occur in the future. 

Failure to address these concerns adequately will compel me to explore alternative banking options that prioritize customer privacy and satisfaction. I trust that Wells Fargo values its customers and will take swift action to rectify this situation. 
XXXX
Consumer complaint received 2019-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

On XX/XX/2019, A representative from a company called XXXX called my downstairs neighbor whom I barely know, since I just moved here in XXXX of this year to ask if she knew me. Navient has ALL of my correct contact information and I believe they are using this company as a way to try and embarrass and harass me into setting up a payment. This is intimidation and harassment. They know where I live and have all of my phone numbers. You're hiding behind XXXX as a way to harass and intimate people. To make matters worst my neighbor is XXXX years old, on an XXXX XXXX 24/7 and XXXX XXXX XXXX up steps, but because she was concerned that it might have been something important she walked up to the 2nd floor to tell me about a call she received from me. This is ridiculous and has to stop.
Consumer complaint received 2024-02-09
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IA)

I was sold on a TV in a Best Buy store XX/XX/XXXX with fancy language of 0 % for 2 years ( CitiBank card ). The sales associate then went on to cleverly say that **after** 2 years interest would accrue at whatever rate.. Sounds great, right? 

I accepted and signed based on that cleverly worded statement made by the sales associate. Not once did the sales associate say if the balance is not paid within 2 years you will get charged all the back interest ( almost XXXX )! 

Fast forward to XX/XX/XXXX as I am looking at my statements I am blown away by an almost XXXX dollar finance charge. I immediately called CitiBank/Best Buy and was moved up the ladder to XXXX, an Account Manger for CitiBank out of Tennessee. 

According to XXXX, I am out of luck due to it being too far back ( 3 months ) to waive the interest fee even after offering to pay off remaining balance ( {$1800.00} ). 

XXXX also stated that they did include this information in a disclosure sent out but he fails to understand that a *reasonable* person wont really read tiny, confusing, contractual, confusing language especially after being explained the appealing 0 % terms and conditions by the sales associate with an intention to get a sale completely glossing over the back interest aspect. 

Now if the Best Buy sales associate was clear about the terms and said : " Be sure to pay this back within 2 years or you will get charged all the back interest '' I would not be in this financial situation. With ''getting the sale '' as a motivator for the best buy sales associate the back interest aspect likely is easily omitted since I'm sure they didn't want to lose a sale. 

CitiBank should be responsible in the almost predatory-like manner that their credit cards/promotions are sold. XXXX stated to me that Best Buy employees are not very well trained in explaining terms to customers and are not very knowledgeable about terms. 

XXXX did say Best Buy sales persons are very knowledgeable on products and I completely agree because the sales person sold the heck out of that TV. He knew everything like : resolution, XXXX XXXX XXXX placement of TV in space, refresh rate, audio, etc. We chatted for about an hour or so but the employee still failed to mention the kicker of " If you don't pay back in 2 years you will owe XXXX dollars. '' I feel like I was baited and switched financially and taken advantage of and CitiBank/Best Buy should remedy this situation.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (GA)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!
Consumer complaint received 2023-07-18
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 (FL)

I ordered a custom cake from XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I paid a deposit for {$100.00}. I ordered a vanilla cake with guava filling and rum soak. When I arrived to pick up the cake on XX/XX/XXXX, I waited XXXX minutes for the cake to be completed. I gave her a pick up time and reminded her via text a few days before pick up. I paid the remainder of the balance {$72.00} using my Capital One Visa. The owner made us late to my sons graduation. A few hours later after the graduation, we arrived at our venue to celebrate. When I cut into the cake, it fell apart into crumbs. The owner added chocolate without my consent and the rum soak I ordered was not present. I served crumbs on guests plates and no one ate the dry mess. The next day, XX/XX/XXXX, I contacted the owner explaining the situation and I sent her pictures as well. She refused to give me a refund or even partial refund and offered to make another cake. This was unacceptable as I needed a cake the day before for my sons graduation celebration. I had no need for another cake. After her refusal to apply a refund, I contacted my credit card company capital one and filed a dispute. Capital One contacted the merchant and she submitted a response with the receipts. Capital One forwarded me this information in a letter on XX/XX/XXXX and stated they would reapply the charges to my account. I reopened the case and submitted all supporting documentation on XX/XX/XXXX & XX/XX/XXXX including pictures, a letter, invoices and text message communications between myself and the merchant. Capital Ones response was that I lacked previously requested information. I provided everything that was requested. My claim continued to be denied despite all evidence clearly showing I ordered and paid for a particular cake and the merchant gave me the wrong order and different from what we had agreed on per invoice. The cake was also not eatable and the merchant refused to accept responsibility. I contacted Capital One once again on XX/XX/XXXX and requested to speak to a supervisor. I spoke to the supervisor XXXX from the dispute department and asked if she can take all facts and evidence into account. She transferred me to visa claim benefits as there was nothing else they can do. Visa claims stated because its an edible and perishable product, I was not covered. I use my credit card expecting to be protected against wrongful purchases. I was turned away and responsible for the payment of {$180.00} for an order different from what I made and was unable to eat. Capital One did not fairly consider all facts in my case. The final letter I received from capital One was on XX/XX/XXXX stating the case was closed.
Consumer complaint received 2023-07-18
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. (CO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I requested this account be updated to reflect the fact that it was closed. XXXX had already sent them information verifying the account was closed. The account still shows it is an open account and the system will not allow me to dispute it.
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

In response to the communication I received concerning my debt validation inquiry directed at Merchants and Medical Credit, I expressed dissatisfaction with their provided response. I articulated that the sole semblance of evidence presented, a signature inconsistent with that on my government-issued identification, fails to adequately confirm my identity. Subsequently, I reiterated my request for comprehensive information, specifying the following : 1. The precision of the data furnished by Merchants & Medical Credit.

2. Verification of the debt, inclusive of substantiation of ownership and legal authorization for collection.

3. A comprehensive payment history, delineating all transactions and associated charges.

4. Elaborate particulars regarding the original creditor, encompassing the account number and the initial owed amount.

5. Any supplementary documentation or corroboration buttressing their position.

Their rejoinder asserted a refusal to furnish additional information. In adherence to the Fair Credit Reporting Act ( FCRA ), I contend that their inability to substantiate the veracity of the debt necessitates its expunction.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-23
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. (NC)

I've been going back and forth with EQUIFAX over a month or so now and getting no where. I gave them written instructions pursuant to 15 USC 1681b ( 2 ) but they refuse to do as they're told. I am a private consumer and my reputation is being ruined by false/misleading information. Not to mention, the stress and frustration with every person I speak with, giving me a hard time. They're telling me to send in dispute letters, identity reports, and two forms of identification, which I've done THREE times. I've even fax this information and I will show my evidence as well. I have not given EQUIFAX, nor anyone else, my consent to furnish anything. Furthermore, EQUIFAX quick to ask me to verify myself but I don't know who these people are nor did I give them my consent to furnish any of my private information to/from anyone. That is IDENTITY THEFT. They're acting as if this is their information and I will not tolerate it. When I made a complaint last time on CFPB, they closed it out! Nothing change on my consumer report. XX/XX/XXXX I spoke with someone in fraud department about unauthorized inquiries and they were removed within 24-72 hours. Today, XX/XX/XXXX, XXXX I see they're back so I called to get them removed again, I was given a hard time and the woman put me on hold but never came back. I will not give up until I get my remedy. Now I am attaching a Cease & Desist letter to stop all communication regarding my private information!
Consumer complaint received 2023-07-18
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)

Submitted documentation this was not my account. Asked for supporting documents that can prove this is my debt. XXXX XXXX XXXX collect for a company called XXXX XXXX
Consumer complaint received 2023-07-18
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)

I am the author of this complaint as well as the attachment that is being sent. I XXXX XXXX checked my consume report and noticed unauthorized inquires reporting. I reached out to Equifax and to no avail I did not receive a solution. Equifax has violated the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Congress has made findings and according to 15 USC 1681 the banking system is dependent upon fair and accurate credit reporting. I can not get approve for the products and services offered by institutions because Equifax is reporting fraudulently and inaccurate items on my credit report. These inquiries has been furnished without my consent, I DID NOT AUTHORIZE ANY OF THESE REPORTING INQUIRIES. There was no permissible purpose and is a violation of 15 USC 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Remove these inquires as seen on my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The uploaded inquiry removal letter has also been sent to Equifax via certified mailXXXX.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (FL)

In XX/XX/2023 My insurance company XXXX sent out letters to their " Wind '' policy holders in Florida that their insurance was being cancelled. 
I immediately called my insurance broker and they said oh just ignore that, it was a mistake on XXXX part. 
Consequently a letter from XXXX was also sent to my mortgage company concerning my mortgage escrow. Rocket Mortgage paid my flood and homeowners insurance on the due date of XX/XX/23but not my wind insurance insurance based on a bogus letter from struggling XXXX XXXX. My wind insurance policy lapsed because of their lacking fiduciary components and they then placed me with one of Rocket Mortgages affiliate companies XXXX XXXX ( double the premium ) .I again called my broker and asked what was going on. They said Rocket paid my other policies on time but not wind insurance resulting in a cancellation of my policy which I then had to have a new one written by them for reinstatement. By the time I was reinstated Rocket charged me over {$1000.00} for their replacement Wind policy from XXXX. I was livid and called them ( Rocket ) with my complaint and they said my agent had to call XXXX to back date policy. 
My agent called XXXX and they said they DO NOT back date policies. 
I returned frustrated to Rocket and they said sorry you must pay then for the coverage from XX/XX/2023 until I was reinstated by XXXX on XX/XX/2023. 
They added it into my escrow! 
If this isn't a total ack of their fiduciary responsibility to me to pay my escrow bills then please explain.