davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-04
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: WESTERN UNION COMPANY, THE (NJ)

I'am XXXX i have a problem with westernunion i lost my money order and i called there the store i brought it at XXXX store in XXXX the women who owns the store where they sell money orders called a women from western union direct and told them to put a cancel payment order on the money order hours later i was contacted by email from this executive guy by the name of XXXX he caused so much delay by not giving me proper instructions he first told me to send to him the documents which i did than almost a week later he contacts me again by email and tells me to send by regular mail not paying attention to the documents i sent by email causing a delay all this time the person who took the money order cashed it i understand western unions policy but because of the delay and response times western union should grant me a refund and investagate it and go after the person on there end everytime i send a compliant to western union the same guy responds XXXX XXXX and i blame him for the delay i have attached screen shots where i asked him overand over did he get the documents and he took days to respond also the lady on the phone from western union told me she was going to help me and this exec got on the case and would not than he said the check was cashed on XX/XX/XXXX but i contacted western union before thank bank even opend so thats just a excuse to keep my money i buy a money order for XXXX every month and iam XXXX i asked XXXX can i speak to someone that was over him he would not respond i also got a call from western union today and they was very rude and told me to stop emailing them
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, my primary bank account where the payments to my Capital One credit card came from was compromised in a fraud attack so the bank transferred my money to a new account. At that time the credit card payment day ( Capital One ) was made and the payment was declined. After 3 days from the new bank account I paid the entire credit card statement. I have always paid the full amount of the card statement. I understand that for that specific month the have to charge me interest and it is ok ; but now Capital One continues to charge me interest on the monthly amounts of my card without my balances having more than 30 days which is unfair if I do not charge balances without paying from one month to another. Today, XX/XX/XXXX, I called to be explained and the supervisor XXXX XXXX tells me that they would continue to charge me for the next 2 cycles for the XX/XX/XXXX delay problem. I told him that it was unfair because if they had told me that I would not have used the card in the coming months. In addition, it is not fair that they charge me interest for amounts that do not take more than 30 days. She told me that on page 2 of the card statement it said that and that is LIE! I read her what she said and that is never mentioned, so she answered that even though it doesn't say it textually there in writing, that's how they execute it. This is totally unfair. I should not pay interest for money that I don't owe them.
Consumer complaint received 2019-08-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Outstanding loan was under Sallie Mae which was sold to Navient. When trying to lower monthly payments, received threatening and harassment from their collectors. Belittling comments made on how I was not paying attention to this matter and how they were going to ruin me and my credit
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. Transunion and XXXX failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BBVA FINANCIAL CORPORATION (AL)

On or about XX/XX/2020, I purchased a new vehicle from XXXX XXXX XXXX, XXXX, Alabama. Purchase price of the new vehicle is {$55000.00}. My down payment is {$40000.00} and I desired to finance {$15000.00}. XXXX XXXX XXXX shopped my loan to several lending agencies of which one was BBVA, XXXX XXXX XXXX XXXX, XXXX AL, XXXX. BBVA refused to extend credit. BBVA refuses to communicate with me regarding the reasons for credit refusal. I have called four times ( Answering Machine ) requesting information regarding my credit application. BBVA will not return my requests for information regarding my loan application.
Consumer complaint received 2020-09-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (WA)

Our family and the families of our cosigners are refugees and people with Limited English Proficient ( LEP ). 
When applying to Wells Fargo Bank and XXXX XXXX XXXX  for a student loan to pay for tuition at XXXX University, we did not receive any explanation from these Banks about the financial risks for the borrower and its cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Banks are simply trying to involve more people in the process of obtaining a student loan for their greater safety, that is, Banks put their financial security first, and not the financial security of their customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
Wells Fargo Bank lent a huge amount to a refugee with a green card, our son XXXX XXXX ( Account Number XXXX ). If, after checking our status, we were denied a loan for study, it would be correct, we would not think that this is discrimination, but it would not lead to such disastrous consequences for our family and 4 other families of our cosigners. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Banks and our cosigners. We made several full payments in XXXX XXXX XXXX  and Wells Fargo Bank even while our son was still studying and Wells Fargo Bank demanded payments, violating his Don't pay while you study principle. We continue to make payments to XXXX XXXX XXXX, but our financial resources have run out. 
In addition, Wells Fargo Bank sends bills by mail on the same account to different people, for example, on the XXXX line, on which XXXX XXXX is the cosigner, he and XXXX XXXX, who is not related to this line, receive bills. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again, we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of banks towards us as their clients and their unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing  contracts for student loans.
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (RI)

Hello, I am writing about two new items that have been added to my credit report by Commonwealth Financial Systems. There are two items that they have added to my credit report 1st- {$170.00} and 2nd {$600.00}. I contacted the credit reporting agencies and they have advised that this is valid. Which is ridiculous - as the representative could not even tell me which hospital this is for. 

I called and spoke with their office on XX/XX/XXXX I spoke with XXXX XXXXXXXX @ commonwealth. I asked for some proof that this is infact my debt he was unable to provide me with the basic information necessary. He told me, " to think about possible hospitals I have visited in XXXX. '' How is this possible? 

I then contacted the credit agencies to advise and they are telling me this is a valid debt. How is this possible? They can't even confirm the original creditor? or hospital? Please help me. 

thank you, XXXX
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (MS)

I havent been able to use my eppicard prepaid unemployment card because there has been a fraud alert placed on my card without my knowledge or notification. I spoke with the ms unemployment office and they said there is no issue on there end that its an eppicard issue. When i call eppicard they say there is a message for me and for me to hold. Over the last two weeks ive waited on hold about 6 hours and still never spoken to a live representative. I have tried everyway i know to speak to someone at eppicard and get fraud alert taken off and get a new card or whatever needs to be done because i can not access  my money that i depend on and this has been a huge disturbance in my life. XXXX and XXXX are my contact numbers and XXXX is my email. Thank you for your help, XXXX XXXX XXXX
Consumer complaint received 2020-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the
dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (OH)

I need to have assistance with the Navient Borrower. I have a federal loan with this borrower and have experienced difficulties with this company. I need assistance with filing the loan forgiveness with XXXXXXXX XXXX admin program.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After losing my wallet my identity was stolen and compromised. The following accounts are unknown and unauthorized and shall be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$1100.00} 2 ) XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX {$460.00} 4 ) XXXX {$1200.00} 5 ) XXXX XXXX XXXX {$4400.00} 6 ) XXXX XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (NY)

I have a leased XXXX. I am never late. Covid caused XXXX to place accounts in limbo and payments showed XXXX due. As I do not like to miss payments, I nonetheless made a payment in XXXX for two months and mailed it in to their address since it showed nothing due online. See the copy of the payment I just scanned into my computer. Instead of posting this payment, they have reported me late. I am aghast and I never miss a payment. I will now pay the entire amount allegedly due from their website to stop further incorrect and negative reporting. 

Please note it's an XXXX lease it's apparently serviced by VW credit. It's even more aggravating considering we are all facing a plague and they unilaterally showed a XXXX balance for months and no payment due and then, in what appears like a self-fulfilling prophecy for financial gain, report you late and fail to post your payment. 

Most egregiously they fail to send any communications to account holders regarding how they are handling the plague or alleged late status. 

Ugh. Please help.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

I can not get a credit report from this company. They have a lot of false information on my credit report. I also put a freeze on my credit report and they still send it to lenders. 

They keep incorrect information on your credit report to keep your rates higher.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Aldous & Associates, PLLC (MI)

They said that I broke terms of a lease back in XX/XX/XXXX I asked them for at least but they couldn't produce one because I never signed a lease therefore they put my name in the credit bureau saying that I have an unpaid debt of {$12000.00} I never gave them any money for a lease or signed a lease nor neither did I move in an apartment never even seen an apartment so they put my name in for a credit debt which I think is fraud. They are trying to collect a debt that is not mine and there is no agreement with my name please resolve this situation as soon as possible so it can be removed off of my credit thank you for your time and consideration.
Consumer complaint received 2020-09-21
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. (GA)

My identity has been compromised and the aftermath has effected my credit file unjustly and tremendously. I've requested a Method of Verification from the 3 major credit reporting agencies but never received anything. However, these accounts do not belong to me. Please block and remove. 

1. XXXX {$1000.00} 2. XXXX XXXX {$300.00} 3. XXXX XXXX   {$320.00} 4. XXXX XXXX {$300.00} 5.  XXXX {$500.00} 6. XXXX {$500.00} 7. XXXX {$790.00} 8. XXXX XXXX   {$790.00} 9. XXXX XXXX {$470.00} 10.  XXXX XXXX {$60.00} 11. XXXX XXXX   {$790.00} 12. XXXX XXXX {$310.00} 13. XXXX XXXX {$730.00} 14. XXXX XXXX {$160.00} 15. XXXX XXXX {$110.00}
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (CA)

Hi there, I bought two {$500.00} Visa gift cards in XXXX in XXXX XXXX CA on XX/XX/XXXX and XX/XX/XXXX. Both of two cards had a {$490.00} unauthorized charges which were made a few days later on XX/XX/XXXX and XX/XX/XXXX in XXXX XXXX chain in XXXX California. 
They were very suspicious transactions and the physical cards were never out of my house after I bought them. Blackhawk Network didn't review these charges and they still approved them. Blackhawk Network didn't notice me about these transactions at all. And they never sent me monthly statements so I don't know that until I was failed to use them to pay some bills with these cards on XX/XX/XXXX. 
I called Blackhawk Network on XX/XX/XXXX to report these gift card scams. As the result, they said they can't give me any refunds. This is obviously a serious security breach in their security system. And they didn't alert cardholder to these two very suspicious transactions. It is absolutely Blackhawk Network 's responsibility to protect the security of the cardholder 's funds, but they rejected my unauthorized transactions dispute application with a filing deadline exceeding 60 days. In fact, I would never know these transactions before I tried to use them on XX/XX/XXXX. 
Under the impact of the epidemic, I really need this {$1000.00} to support my family and children. Blackhawk Network did not sympathize with my situation and refused to return what should have been my money. I hope CFPB can help me out of this dilemma. 
Thanks and best regards.
Consumer complaint received 2024-11-07
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (PA)

In XXXXXXXX XXXX XXXX I opened a credit account through Synchrony Bank to complete home repairs through a general contractor. When I applied for the credit line I specified I would like to open an account for fixed APR that I can pay over time. I have been making payments on the account on time for over a year and have held numerous accounts with Synchrony Bank in which I have paid off in full. 

On my most recent statement an interest charge of {$2900.00} was applied to my account. I contacted customer service and requested to have the interest charge removed because it didn't reflect the credit offer I selected when opening the account. I was told that I signed up for a promotion term that deferred interest and would be applied if balance wasn't paid in full prior to expiration. 

I informed the individual I didn't sign up for such terms and requested documentation with my signature proving I selected such term and was told they do not have a signed document from the contractor and can't remove the charge.

I asked how its it possible that they couldn't provide or retain documentation for terms I signed up for and was told talk to the general contractor because they can not help me.

I had a similar conversation with a manager and was told the same.
Consumer complaint received 2018-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (VA)

Opened a loan with Mariner Finance and I have NEVER been 30 days at more past due on my payments. On the XX/XX/XXXX I spoke with the branch manager XXXX and informed her that I would be making XXXX payment on the XXXX ( my payments are due on the XXXX ) and XXXX payment on the XXXX. I also asked that she stop calling my references and informing them that they are trying to collect a payment. At that time the manager became rude and very unprofessional. I couldnt get a word in so I hung up. She didnt act that way when she left the voicemail on my  DAUGHTERS phone and even discussed options to bring the account current. That Saturday ( XX/XX/XXXX18 ) the same day I made a payment I received a letter of default on my loan. How did I default on a loan thats not even 30 days past due? I simply want them to stop contacting my references and collection/garnishment proceedings stopped if they have started.
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I purchased a vehicle through XXXXXXXX XXXX XXXX of XXXX ohio in XX/XX/XXXX. i purchased a XX/XX/XXXX XXXX XXXX priced marked at XXXX selling price. I got approved through credit acceptance for a XXXX loan. It is now 2 years later and they are stating i still owe over XXXX for a XXXX vehicle. They never provide me with billing statements even after i have requested them numerous times. They just send a printout of my payment history. it doesnt have any info on interest rates, late fees, or why they loan amount keeps going up even with payments being made. I just recently made a XXXX dollar payment and they are still saying my vehicle is up for repossession. i need answers as to what is going on. I can never get a straight answer from any rep I speak with. They all say look at your finance papereork. But if they are my finance company, shouldnt they be able to tell me that information? Please help me.
Consumer complaint received 2020-09-20
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. (AL)

I submitted some disputes. One company said my ID wasn't visible. THAT IS A LIE. One company said I used a credit repair company. I am insulted that I am being accused of using a credit repair componay. I find this language highly offensive. These fraudulent accounts are already causing me emotional distress, on top of the fact of being falsely accused by you guys. PLEASE INVESTIGATE AND REMOVE THESE ACCOUNTS ASAP.