davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (FL)

In XX/XX/XXXX, I initiated 3 deposits of XXXX each, after that everything went great. In XX/XX/XXXX, I received a letter via email saying that my account was closed since I violated the terms of deposit since the limit was only XXXX, I understand and I have no problem with this but i need my money right away since we are no doing business anymore. In XX/XX/XXXX, I received 3 emails regarding the 3 deposits, saying that my funds have now deposited and available. Since that day I have try to contact Current bank more that 6 times, each of them unsuccessful, since they block my account I have no other option to talk to them but via email and they dont respond, still today Monday XXXX they have not responded at all.
Consumer complaint received 2023-06-17
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. (MI)

On XX/XX/2023, I sent a letter to address errors and unfamiliar entries on my credit report. However, I have not received a response despite waiting over 30 days. This lack of action has left me feeling disregarded and taken advantage of. I want to remind you that under Section 611 ( a ) of consumer law, any unresolved dispute must be removed from my credit report after 30 days. Therefore, I respectfully request that these accounts be promptly deleted from my credit report as required by law. 

I must also express my concern regarding the XXXX data breach, which has left my personal information vulnerable to misuse. As a result, I expect all necessary measures to be taken to ensure my information is kept secure and protected. 

Should my request to delete these accounts from my credit report not be honored, I will have no choice but to pursue legal action due to the undue stress caused by this situation. I hope we can resolve this matter satisfactorily and restore my confidence in your ability to handle my credit report with care and accuracy. 

Attached are XXXX of my most recent credit reports ; please use this to verify.
Consumer complaint received 2023-06-17
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. (FL)

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. 

XXXX XXXX ( Account # XXXX ), XXXX XXXX Bank ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (LA)

On XX/XX/year> I wrote a check for {$800.00} and it was returned. I called the company on XX/XX/year> to make a payment arrangement and to acknowledge my debt. They refused the payment arrangement and payment, threat to continue to negatively impact my credit report and checking privileges, very unprofessional and talked to me like I was a child.
Consumer complaint received 2021-08-02
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 paid credit repair agencies for years and have contacted XXXX XXXX and equifax myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.
Consumer complaint received 2023-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act. Capital One Auto Finance XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-17
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: FIRST NATIONAL BANK OF OMAHA (WA)

I use my First National Bank of Omaha XXXX rewards XXXX for checking in at XXXX XXXX in XXXX XXXX. The card was to be charged for resort fee if {$40.00} and any incidentals. 
I checked out and was charged {$1100.00}. 
I called the hotel and they informed me that the charge was for dining at a steakhouse in the resort charged to my room. 
I did not dine there and an investigation was opened. I spoke to a manager at circa on XX/XX/2023 and was told that a refund has been initiated. I called back a few days later and they said refund was processed but it still showed up on my card statement. 
I opened a dispute with first national bank of Omaha, the card issuer on XX/XX/2023. 

Since then they have not helped me resolve this in a timely manner. I get transferred from department to department when calling in. 

I called circa again XX/XX/2023 and they stated refund has been issued and any further issues need to be take with the card issuer. 

I call for an update with first national and they say they are still working on the investigation. 

I received a letter from first national on XX/XX/2023 and they state they need proof from me to support my claim. Isnt getting proof part of what an inv

estigator doing an investigation is for? I call first national on XXXX and state that I have a recording of the manager saying he issued the refund. First national tells me I need to call back in two days when the investigation department is working because he doesnt know how to receive the recording from me. 

This is frustrating and I just want a resolution to something that should be straight forward and what so many other credit card issuers get right.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: All Debt Solutions Inc. dba: 1st Class Agency (MA)

XXXX XXXX sold a debt from XXXX to ALL DEBT SOLUTIONS, INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The date the debt incurred was falsified to enable the collection agency to report the debt to XXXX and XXXX credit bureaus. I spoke to the collection agency, who told me I opened the account in XX/XX/XXXX, but that was false. The report was opened in XXXX. The debt has not been paid since XXXX and therefore needs to be reportable to the credit bureau. 
I also asked them to provide me proof of the debt, and they refused to do so,
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a credit card account with Capital One. I made a minimum payment of XXXX and was told my account would remain restricted although this amount according to Capital One made the account current. I was informed by XXXX ID # XXXX that the account will remain restricted for 3 months and I was enrolled in a program to monitor my progress with making payments for the next 3 months. Capital One never made me aware that once you bring your account current that you would still be restricted from using the account. XXXX was very rude, refused to escalate my call and refused to give me information on how to escalate my complaint. My account is in good standing but is still restricted. There is nothing in any correspondence sent from Capital One that informed me of this program. I never agreed to be enrolled in the program after the payment was made. I would like for my account to be unrestricted for use immediately. I have credit available but they are denying me access.
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MD)

I am writing to file a formal complaint against Western Union regarding a recent issue I encountered with their services. I am seeking your assistance in resolving this matter effectively. 

On [ Date ], I initiated two separate transactions with Western Union under the Money Transfer Control Numbers ( MTCNs ) XXXX and XXXX. The total amount transferred was [ $ XXXX ]. These transactions were carried out with the expectation that the funds would be available for collection by the intended recipient promptly. 

However, to my dismay, the funds were not available as promised. This left me in a state of frustration and inconvenience, as the intended recipients were relying on these funds for urgent matters. 

Subsequently, I contacted Western Union 's XXXX XXXX and raised a complaint regarding the unavailability of the funds. In response to my initial complaint, I received a communication from Western Union 's Customer Care team on [ Date ]. They mentioned a re-evaluation process that I would need to undergo. This process was not clearly explained, and it left me confused and concerned. 

I fear that some form of discrimination or unfair treatment may be involved, and I believe that transparency is crucial in resolving this matter. 

The primary purpose of my complaint was to address the issue of funds not being available as promised. I now request Western Union to provide me with detailed information regarding the re-evaluation process and its direct connection to my initial complaint. I strongly believe that clear communication between the company and its customers is essential for a fair and satisfactory resolution. 

I have already informed the sender to collect the refunds from Western Union 's agent locations, using the same MTCN numbers mentioned earlier. Nonetheless, I want to emphasize that the availability of the funds is of utmost importance to me, and I expect a swift resolution to this matter. 

I kindly request the Consumer Financial Protection Bureau to intervene in this dispute and assist me in obtaining a clear explanation from Western Union regarding their re-evaluation process and the handling of my initial complaint. I hope that with your intervention, Western Union will take prompt action to rectify this issue and ensure that such problems are not encountered by other customers in the future. 

I appreciate your attention to this matter, and I look forward to your prompt response. Please do not hesitate to contact me if you require any further information to proceed with this complaint. 

Thank you for your assistance.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Franklin Financial  Corporation (WI)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX dont know Franklin finance XXXX {$2500.00} was {$2000.00} had a XXXX or XXXX XXXX XXXX suddenly went and car company couldnt fix told me to fix I was still under warranty they repossessed it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Include closed rent a center account still on my credit report please delete
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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.
Consumer complaint received 2023-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DC)

I purchased a home in 2022 with a 4 % interest rate and was told that my monthly mortgage ( with taxes and insurance in escrow ) would be {$3000.00}. 

It is now $ XXXX/month ; a 10 % increase. 

My property taxes went up $ XXXX. and insurance is about the same. When I called Wells Fargo they said that I had an escrow shortage and then hung up on me. 

A {$3400.00} a month payment is very different than one that is about $ XXXX. Wells Fargo did the underwriting and the escrow analysis. I would have made a different choice if I knew my mortgage would have been {$3400.00}.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/2020, during the challenging period of the XXXX lockdown, I encountered financial difficulties that impacted my ability to make timely payments. Recognizing the circumstances, I promptly reported the late payment to XXXX XXXX XXXX  and requested their understanding and assistance. I believed that, considering the unprecedented circumstances, they would be willing to work with me to find a fair resolution. 

However, to my dismay, XXXX XXXX XXXX  has not taken any action to remove the late payment from my credit report. I have made numerous attempts to communicate with their customer service representatives, providing supporting documentation and explaining the extenuating circumstances that led to the late payment. Regrettably, their responses have been unsatisfactory, leaving me with no other option but to escalate the matter. 

I am now filing a formal complaint with the Consumer Financial Protection Bureau in the hopes of receiving a fair and impartial resolution. I kindly request your intervention to help facilitate a resolution between myself and XXXX XXXX XXXX. It is my belief that by bringing this matter to your attention, I can receive the assistance needed to rectify this situation and mitigate any negative impact on my credit history.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (VA)

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 XXXX XXXX XXXX. 

Account names : XXXX XXXX XXXX XXXX {$530.00} # XXXX po box XXXX Iowa XXXX, IA XXXX XXXX XXXX XXXX {$600.00} # XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX {$450.00} # XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX CREDIT XXXX XXXX Has violated my rights. 

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 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
Consumer complaint received 2023-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

Exeter Finance has not applied my most recent payment to my account. 

I made a payment on XX/XX/2023 for {$230.00} to get my account current. I then made a second payment on XX/XX/2023 of {$62.00} for the late fees. 

Currently as it stands the payment of {$230.00} has been applied to the past due balance. But the payment of XXXX shows it was processed but it was never applied to my late fees and shows it was applied to interest. This amount also does not reflect the reduced amount on my next payment due on XXXX XXXX. Which is causing me to show a payment due for XX/XX/XXXX of XXXX which include the late fees. 

Therefore the amount of {$62.00} has disappeared and has not been reflected on my account.
Consumer complaint received 2023-06-17
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: Navient Solutions, LLC. (SC)

On XX/XX/2023 I received a notification from XXXX that a new account was added to my credit profile by Novient ( private student loan ) account last 4 digits showing as XXXX for {$140000.00}. I immediately contacted XXXX about the new account and I advised the XXXX representative that was not my account and that account was a fraudulent account. XXXX advised me that they could not dispute the fraudulent account however they created an escalation case to determine how and why the account was placed on my credit file. That escalation case number is XXXX.
Consumer complaint received 2023-06-17
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. (SC)

On XX/XX/2023 I received a notification from EQUIFAX that a new account was added to my credit profile by XXXX ( private student loan ) account last 4 digits showing as XXXX for {$140000.00}. I immediately contacted EQUIFAX about the new account and I advised the EQUIFAX representative that was not my account and that account was a fraudulent account. EQUIFAX advised me that they could not dispute the fraudulent account however they created an escalation case to determine how and why the account was placed on my credit file. That escalation case number is XXXX.