davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (CA)

Complaint About : A Worldwide Corporation refused service 's offered to me that is offered to the general public which impact my constitutional rights and civil liberties. 
. 
Type of problem ; A Worldwide money transfer corporation refused to allow me to patronize their corporation to perform a money transfer from the United States of America abroad. This corporation stated they have the right to refuse service to individuals in the general public but are required to comply with legal and regulatory standards in countries they service ; their decision toward me XX/XX/XXXX violated my constitutional rights and civil liberties as an American Citizen ( please reference page _ attached ). 

What happened : On XX/XX/XXXX I attempted to patronize a worldwide money transfer fee service corporation and was refused service. Their call center stated a " COD '' had been placed on my account and I would need to contact their internal Global Consumer Reinstatement department via email. This department asked me to complete and return their Consumer Reinstatement Questainnare along with any necessary documents requested. On XX/XX/XXXX all of the proceeding was provided to this corporation. 

On XX/XX/XXXX I received an email from their employee named XXXX Op XXXX who stated all documents had been receive and tracking # XXXX had been assigned. Having been told it would be completed within ( 5 ) business days and having exceeded that time frame on XX/XX/XXXX I inquired via email a second time to that department and was informed by XXXX Op XXXX that they were working to solve my issue ( please reference documents enclosed ). 

On XX/XX/XXXX I received outcome from this department communication stating this corporation has the right to refuse service to anyone in the general public and based on their service terms and conditions they stood by their decision to see that I would continue to be refused service. 

What company is the complaint about - Western Union. 

People Involved : XXXX XXXX - Customer XXXX ( Op ID : XXXX ) XXXX ( OP ID : XXXX ) Pertinent Additional Information : I have been a Western Union Reward Point 's Member since XX/XX/XXXX ; my WU # is XXXX. 

From XX/XX/XXXX to present .I have acquired over XXXX reward points patronizing this corporation and have never had any problems. 

MTCN number 's of past use are listed below although some of the dates, transactions and dollar amounts vary which show my frequency patronizing this corporation. It was similiar to buying stamps at your local post office in using their service : XXXX,XXXX, XXXX, XXXX, 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 2019-07-01
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. (AL)

I have not received any confirmation on how you have verified the alleged accounts list in Exhibit C therefore request that you consider this a final notice your offices.Past this point the CFPB will have authenticate sworn testimony from my end which gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting**** Copied from the Affidavit of Facts attached******
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

My wife and I are joint holders of a Citi Credit Card, which is predominantly used by her. The card has been charged from the inception of its account for " Payment SafeGuard '' for a service we did not select. We were not aware about this charge until I saw the credit card statement in detail today. When we spoke to the representative he mentioned that it is our job to call and tell Citi that we do not need this service. 

More on the Service : https : //www.cardbenefits.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB has already caught Citi for doing this before. I also believe that this matter is the same as : https : //www.consumerfinance.govXXXX We would like a full refund for this charge from the inception of the account.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MN)

On the XX/XX/2018, I purchased a product from XXXX XXXX and used XXXX XXXX XXXX XXXX XXXX XXXX for {$4200.00}. I paid dues regularly each month and on XX/XX/2018 I settled all outstanding balance of {$3800.00}. On XX/XX/2018 requested the bank to close my account. XXXX XXXX from the bank confirmed on XX/XX/2018 that my account was closed. 

On XX/XX/2018 I got a call stating that my account is in collections as I haven't made payments for 2 months. I logged in and saw that an amount of {$71.00} is due. After I closed my account an interest of {$15.00} was applied with late fee charges each month! I don't understand how can a bank do this after closing an account. I have saved a copy of all secure message transmissions between myself and the bank. 

I am making this payment to save my time. But I would like to report this XXXX XXXX XXXX XXXX and business for misleading consumers.
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I bought a new XXXX XXXX XXXX  XXXX XXXX from Toyota of XXXX, Texas dealership on XX/XX/XXXX. I had a good credit score of XXXX. 
I had a very unpleasant customer experience for the rate which was offered to me of 3.99 % which is way too high. I had put down cash for {$10000.00}. I also have a loan with Toyota Financial Services with 0.00 % APR and almost be paid up by XX/XX/XXXX. 

The disclosed rate for XXXX brand interest rate is 1.99 % and it does not specify clearly which one. The XXXX XXXX  is a very new addition to the XXXX XXXX  and thus opened the possibility of extortion. 

At this time my rights have been violated and am feeling being deceived and to avoid embarrassment I had to forcefully accept against my XXXX since there was no other option at the table. I was told If I back out I would lose my deposit of {$1000.00} which I had paid last week on XX/XX/XXXX. I had made it clear at that time I would be financing. 

I was not informed of my rate earlier, which would have been applied which would have enabled me to make an informed decision and thereby it is a violation of the Federal Act of " The Truth in Lending Act '' which helps protect consumers from unfair credit practices. All the above took place at the time during the last stages of signing and when the vehicle was to be taken out. Had I got to know earlier I could have tried getting a loan from outside and especially thru my employer which was offering at a far lower rate plus my employee discount rate. I was looking forward to the interest rate to be offered by Toyota which at times are far lower. 

I reached out at my grievances on XX/XX/XXXX to the Finance Director of XXXX XXXX and also XXXX -Relationship Manager. I had also lodged a complaint with Toyota Financial services and their customer service reached out - XXXX Case # XXXX dated XX/XX/XXXX and till date there has been no resolution. 
After reaching out Toyota Financial they said it was soley at the discretion of the dealership and rates are fixed at their end. Reaching out to the Toyota of XXXX dealership they are unable to assist and not able to arrive at a decision where they entirely violated the truth in lending and victimize their unknown customer intentionally.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (FL)

There are many XXXX XXXX XXXX, However I have not lived anywhere out of XXXX XXXX County. As a child I lived with my father in XXXX XXXX XXXX until XXXX years of age when I start living at the XXXX address until present. Couple years ago I went to Vote and they told me I voted already which I did not so I had to vote by paper. Someone must have stolen my identity and because of this I am having a XXXX on my background when it should have been adjudication withheld and not a XXXX. 
I will be filing and identity theft report because someone is using my information without my consent.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, I deposited a money order drawn on XXXX XXXX XXXX I was advised by my bank that {$200.00} would be made immediately available and the remainder would n't be available until XXXX XXXX. 
On XXXX XXXX I discovered that my account was locked. I immediately contacted B of A Customer Service and was forwarded to Risk Management and advised that my account was being closed due to the recent deposit of {$1400.00} being a counterfeit check. I immediately contacted the person who had given me the check and confronted her to which she responded by calling her XXXX XXXXXXXX XXXX XXXX. She put her phone on speaker so that I could hear her speak with customer service. She then went to her bank and got a print out of the front and back of the check and I took it to my bank. The customer service representative XXXX ( manager ) contacted risk management to discuss the proof that I had. The person on the phone said that the account was still being closed and that there was nothing I could do. I asked for a supervisor and was transferred to someone named XXXX who then spoke to XXXX to discuss what proof I had brought in and she instructed him to fax everything to the back office. He faxed everything and they said they needed 3 business days to sort through everything and make a decision. My dilemma is that my car payment has bounced due to my account being suspended. My utility bill has bounce. These companies are now penalizing me for paying late and I can not write checks anymore. B of A has not even apologized. And they are taking there time. It 's not like I can take the money out and pay my bills. My money is on hold. I have been borrowing money from people. 
I just feel that when any institution accuses you of a criminal act such as trying to cash a counterfeit check, that they should be quick to resolve it and stop the injury that has been caused. 
This has been a huge inconvenience to say the least. Hopefully this will be resolved by tomorrow which will be the 3rd business day. I appreciate any follow up your company can do. Thank you
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (SC)

I have tried to access my XXXX file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on XXXX XXXX end. I just want to be able to check my report like I do with the other services.
Consumer complaint received 2022-12-27
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-22
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. (AL)

I have called and disputed these things on my credit report and I have let them know that this information is incorrect. my social security number is showing incorrectly and I have sent necessary id to have this info corrected. these things 1.  XXXX XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XXXX XX/XX/XXXX, 3. XXXX XXXX   XXXX, 4. XXXX  XXXX XXXX. There are also unauthorized inquires XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX-XXXX. I have attached a copy of the identity theft report I sent TransUnion and the request to block this fraudulent information. I keep getting the same response & they are hurting my actual credit reporting false information.
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIRST MIDWEST BANCORP, INC. (IL)

On the afternoon of XX/XX/19, I attempted to transfer {$300.00} through the XXXX XXXX XXXX XXXX. The funds were to be sent were to be withdrawn from First Midwest Bank. When attempting to submit the transfer to a third party recipient, I received an error message from XXXX that transaction failed and that I could try again to submit the transaction. In the past, I had received this same error message and was able to complete the transfer. Due to my past experience with this type of failed transaction, I attempted 3 additional times within a span of 2 hours. 

I never received a notification from XXXX that any of the transaction ( s ) were successful. The next morning when I went into my online bank account application there were 4 transaction of {$300.00} each that had been deducted from my bank account. I then checked with the 3rd party intended recipient and they had not received any of the funds or had received a notification from XXXX that there was a pending deposit ready for them. 

I attempted to Contact XXXX on XX/XX/19 and was only given computer automated responses. However, after many attempts over several days I was informed that the XXXX company was only a transfer service and that the transaction is actually bank to bank transfers. On one of the calls to XXXX, XXXX verified that all 4 transactions failed. XXXX said that if money was not accepted it would be returned to the sending bank after 14 calendar days. 

During the same timeframe I had been attempting to contact XXXX, I was in contact with an associate, XXXX from XXXX XXXX XXXX XXXX XXXX to see what could be done from their side. Assuming the worst and worrying that there was some sort of fraudulent activity being done through XXXX, the bank destroyed the debit card and provided me with a new debit card. I was instructed to fill out a formal dispute to determine the error and the disputed POS transactions. It was determined that there was no error on their part and since I admittedly authorized the transaction with XXXX. However, when authorizing the transactions with XXXX, I was under the assumption that no money was being removed from my account when the transactions had failed each time. 

It seems that neither party wants to assume any responsibility for this issue as they are both pointing fingers at each other. In the meantime I am wondering where this {$1200.00} is and why it has not been returned to me.
Consumer complaint received 2017-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$470.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU {$470.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2017-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forest Recovery Services LLC (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$120.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious Forest Recovery Service {$120.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2019-05-21
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. (MD)

I ran my credit recently to start generating credit and see someone else has been using my credit. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$680.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 3 ) XXXX XXXX   opened XX/XX/XXXX amount {$23.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$430.00} a ) Block.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX  XX/XX/2019 XXXX  XXXX/XXXX  XXXX  XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019. Please remove these inquiries from my report as soon as possible.