davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (AZ)

I am writing to file a formal complaint against : Exeter Finance ( Account # XXXX ) who has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report, which has resulted in a high-interest auto loan and repeated denials for additional credit. 
Additionally, Exeter XXXX failed to provide a risk-based pricing notification as required by law. I also believe the lender took advantage of my situation as a XXXX woman and XXXX  mother who desperately needed a vehicle. 

Upon reviewing my XXXX credit reports, I discovered inaccurate information that negatively affects my credit score and overall creditworthiness. Specifically : INNACURATE INFORMATION : - Payment History is INACCURATE. Lender has applied and reversed numerous fees that make it difficult to understand account ledger and determine what has been paid, when it was paid or what is owed. 

VIOLATION of FCRA PROVISIONS : - Adverse Action Notifications ( 15 U.S.C. 1681m ) : The lender failed to provide a risk-based pricing notification as required, informing me that I was being offered less favorable terms due to information in my credit report. 
- Accuracy of Information ( 15 U.S.C. 1681e ( b ) ) : The credit reporting agency has failed to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 
- Consumers Right to Dispute Information ( 15 U.S.C. 1681i ) : Despite disputing the inaccurate information with the credit reporting agencies, the errors remain uncorrected. 
- Obligations of Furnishers ( 15 U.S.C. 1681s-2 ) : The furnishers of the inaccurate information have failed to correct the errors even after being notified. 

IMPACT on My FINANCIAL SITUATION : I received a high-interest auto loan from Exeter Finance with an annual percentage rate ( XXXX ) of 28 % without an explanation for the high interest rate. Additionally, I have been denied a new car loan by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX on multiple occasions due to the negative information placed on my credit report by this creditor. Furthermore, the car I purchased from this lender in XXXX is now worth less than 50 % of the balance of the loan, making it impossible to trade it for a new car or obtain a new loan. 

CONCERN REGARDING UNFAIR TREATMENT : I believe Exeter Finance  took advantage of my status as a XXXX woman and a XXXX mother who desperately needed a vehicle. This unfair treatment has compounded the financial difficulties I face. 

REQUESTED RESOLUTION : - Delete account from all XXXX credit bureaus immediately. 


Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint. 

XXXX
Consumer complaint received 2024-08-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

refund for {$450.00} for a ticket purchased on XX/XX/year> from XXXX XXXX XXXX  that I did not use. they refused to issue me a refund and charge XXXX XXXX  back This was a Visa card issued by Bank of America
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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, 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (AR)

All foreign owners of XXXX XXXX XXXX and other gas stations and store I was told I would not receive my money and the owner filed bankruptcy and removed all machines out of the stores and I was the loyalty ID of all cash register that was in store and I was the raw money for trading currency from foreign countries I have not received anything from buying crypto currency and XXXX currency account I was told I can receive my payment from XXXX wallets I was threatened by crypto bullies and cyper bullied by XXXX XXXX account XXXX XXXX account and other third parties owned by foreign owner my money marketing account was closed without notifying me and I have no knowledge of why
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (CA)

I signed up with RelayXXXX bank because it was a free business bank account that was referred by XXXX XXXX XXXX [ company that creates LLCs in Wyoming ] . 
I also signed up because I wanted to use a business bank account instead of XXXX because they don't offer business bank accounts and I needed it for tax purposes for all my business transactions especially deposits. 

On XX/XX/XXXX XXXX XXXX I deposited a check into the bank account on which was given to me from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  The check was for {$2900.00}. The bank held it for 7 days. By the XXXX day they asked me for proof/documentation that everything was legit as far as the check. I sent them a lease for the tenant including the amount on it. I received an email stating that everything was approved. Then I get an email from a different rep stating that it was not enough information, they were closing the account, and they would launch an investigation for 60 days!. I could not understand a bank launching an investigation for a closed account. I could not understand being a XXXX and having a legit business that created an LLC ; that was referred to by the same partner company, to be treating it's customers this way. 

Instead of Relay bank simply calling XXXX XXXX to verify the check was legit within those 7 days of holding, they proceeded in an unfair/business practice. I've called the bank multiple times to speak to supervisor. The phone calls usually drops. Sometimes I have to wait over an hour to speak to someone. Sometimes no one picks up during business hours and I am told by an answering machine to call back. 

I tried depositing same check into my XXXX account and the check bounced. When I emailed Relay bank, they the same rep sends me an email stating for me to ask whoever gave me the check to ask them to put a stop payment on it. I called the company tenants ; who gave it to me and they said XXXX XXXX couldn't do it because Relay already cashed the check. In addition company has XXXX XXXX fax me a verification letter from their bank showing that they are legit. The rep from Relay bank states that they will continue their investigation. So I have to wait 60 days for a bank that already accepted a check, but could never called XXXX XXXX to verify a check was real, and at the same time didn't hesitate to close my account.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AL)

Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry be deleted from my credit report.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I lost my father on XX/XX/2024 so I'm trying to get a grip of things and noticed the following on my credit report XX/XX/2024 Capital One ran my social, I never applied for any applications. 

XX/XX/2024 XXXX XXXX  XXXX. ran my social, I never applied for any applications. 

XX/XX/2024 XXXX  XXXX XXXX ran my social, I never applied for any applications. 

XX/XX/2024 XXXX XXXX ran my social, I never applied for any applications.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NC)

I was job scammed off XXXX. I was sent a check in the amount of {$4800.00} to deposit on XX/XX/2023 to start getting what I need to start work from home. I purchased a XXXX XXXX for {$1300.00} at the XXXX XXXX. Sent that device overnight through XXXX so that vendor can upload the software needed to get started in the amount of {$230.00} was the overnight XXXX cost. I also XXXX {$500.00} on XX/XX/2023 to another vendor to help with set up cost. I was told I needed to send a cashiers check of the remaining funds of {$2200.00} on XX/XX/2023 for my XXXX XXXX to be set up with software. I sent the cashiers check overnight by XXXX in the amount of {$92.00} on XX/XX/2023. After all these transactions were made the check bounced and was returned on XX/XX/2023. This left me with no help and depleted funds in my account, trying to get a part time job I was left responsible from a scammer.
Consumer complaint received 2024-07-29
Product: Credit reporting 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 another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MA)

The card is the US Bank XXXX XXXX, which, among other things, provides 3x rewards on mobile wallet purchases. I really like the card and have suggested it to others, but ....! Starting XX/XX/XXXX, all my mobile wallet purchases started earning only 1x. Unfortunately, in the first part of XXXX I was spending a great deal on vet bills, and, although paying with a mobile wallet, these only got 1x. If I look at my reward tracker, the pattern is very clear, all purchases in XX/XX/XXXX earned 3x, all purchases in the first part of XXXX, at exactly the same merchant, earned 1x. 

From looking around on the internet, many but not all have experienced this issue. In fact, one of my daughters has the problem, the other does not. An immediate fix, which I did around XX/XX/XXXX, is to remove and then readd the card to the mobile wallet, now all my transactions are earning 3x again. But that doesn't fix the points I didn't get in XXXX until then. 

I have contacted US Bank at least 4 times The first CSR, via chat, told me that the reward tracker didn't really matter, when the statement closed all would be well. When I realized that my XX/XX/XXXX statement had already closed, and the points were missing, I called. That CSR told me is was a known issue and that they were working to fix it.

The next time I called to check progress, the CSR had no idea what I was talking about and suggested the points were missing because it wasn't a mobile wallet purchase. She finally opened a ticket but I never heard back. When I called again, the next CSR tried to tell me that I was misunderstanding the statement, but when I eventually got her to understand she said the case was still being looked at ( and, to be fair, gave me XXXX points as a goodwill measure ) Other people on the MyFico internet forum have had a similar experience, at best " they are working on it '' but statements keep cutting without the issue being addressed. Also, at the very least, US Bank could advise impacted people to remove and readd the card from the wallet to prevent ongoing issues. 

In my opinion, this doesn't seem to be getting the focus it deserves. Not having an email option makes sending documentation difficult The files attached clearly show that say XXXX all get 3x in XXXX, and 1x in XXXX, until I readded the card around XX/XX/XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I signed up for the Capital One XXXX credit card at the beginning of the year. This is a travel rewards card offering points for spending plus a welcome offer after spending {$4000.00} on the card within the first three months. 

I hit my minimum spend on the card, earned my bonus points, and went to convert the points to travel partners for a trip I plan to take in the fall. After clicking to convert rewards, however, I am stopped by a second Two-factor Authentication screen that needs to reverify the phone number already on my account. This verification explains that Capital One will verify my phone number with my mobile carrier before sending a verification code to my phone, however, this process does not work. There are no other Two-Factor Authentication methods either, no email or notification prompt, only the phone number. 

After providing my phone number ( again, the same phone number already on my account that ) the screen immediately tells me that my phone number could not be matched to my name. 

I have now spoken to three customer service reps to try and get this issue fixed and have received nothing more than reassurances that " I understand that must be frustrating '' and " I'm sorry, there's nothing we can do. '' This experience is not unique to me either, which I was led to believe a first as the long list of XXXX threads and other forums with customers experience the same issues ( and same complaints bout customer service would indicate ). I am at a loss for what to do here. I signed up for and spent money on this card for the promised rewards which so far are proving to be nothing more than a scam.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MT)

XX/XX/2023 My name is XXXX XXXX and I have asked my sister to help me send an email to you asking for you help with Wells Fargo whom I was banking with for I have no internet at the place where I am living just electricity. 
My troubles started earlier this year when someone hacked my account with Wells Fargo, filling out XXXX of their online loans and attaching it to my name and account from XXXX. Then all XXXXXXXX XXXX XXXX when on XX/XX/2023, I deposited a Cashier cheek in the amount of {$10000.00}, everything checked out at the bank when I put the money in my account. However, by XXXX the same day I get a text from Wells Fargo stating that they have closed my account claiming fraud. Today I get another text from Wells Fargo saying I now owe them {$10000.00}. I have spent a lot of time on the phone arguing with them about this problem with no end in sight. I am left with no money for my bills and other expenses. Not to mention they canceled my charges I made at XXXX and XXXXXXXX XXXX  where I spent the money for food and water. I am living in a XXXXXXXX XXXX XXXX where I must keep water in the storage tanks so that my pipes do not freeze up. I live off my social security check and my ex-husbands military retirement check. With this account closed I have had to try and get they sent to a new account but there is no guarantee that my money will get into the new account by XXXX. The sad thing about this problem is I am not the only one Wells Fargo has closed accounts on using fraud as an excuse. To me this is stealing the money that belongs to their customers. Wells Fargo is now saying I own them {$10000.00} then it was {$320.00}. I ask before leaving the bank how much would be available for me to use to get food and water, the cashier said {$400.00} so I left the bank and went an bought groceries and water, later that same day the fraud department text me and said my account was closed. Now I have no way of accessing my account and no money to pay bills or gas or anything else. 
You can reach me by text only at XXXX Thank you for all your help with this matter.