davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a list of inquiries : 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 2024-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

Coinbase Asked them to close my account and deposit my funds ( approximately {$800.00} ) back into my checking account. Was told it would take about a week which was XXXX and still not received. Concern whole company is a scam???
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (MD)

Dear Westlake Financial and Westlake Portfolio, I am writing to request investigate of the following information that appears consumer credit report : Dispute 1 Amount : {$25000.00} ( down payment included ) Years associated with item being disputed XXXX Explanation of item being disputed : The account in question is showing past due/delinquent payments and repossessed by this company. I havent sign a contract with Westlake Financial or Westlake Portfolio and have been requesting for a contract. I made attempts to get this matter resolved by calling Westlake with hopes of a supervisor help to resolve this issue. A request for a manager and supervisor email was ask for communication during this issue but no response. Now with that Westlake has violated many laws : 15 USC 1692a 15 USC 1692f 15 USC 1692k 15 USC 6802 *Laws Are Attached
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-04-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I got a bunch of miscellaneous fees for XXXX synchrony bank secured credit card and got overcharged multiple times random unexplained interests and fees within the month of XXXX and was charged twice for a payment i made and my card balance is negative even though that is unaccurate as I had paid off my full balance as of XX/XX/year>, and I have statements to prove it.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (CA)

To the Department of Consumer Affairs, I am writing to formally lodge a complaint against Affirm regarding the ongoing lack of resolution surrounding a dispute with my account. Since XX/XX/XXXX, I have tirelessly attempted to address this matter, yet have encountered unhelpful and dismissive responses from Affirm 's " customer care '' representatives. 

On XX/XX/XXXX, I placed an order with XXXX through Affirm. Unfortunately, I received my items way past the expected delivery date, on XX/XX/XXXX. Upon receiving the items, I discovered they were broken and counterfeit. On the same day, XX/XX/XXXX, I reached out to the merchant with photos of the merchandise, requesting a return and refund. Despite my efforts, I received no response from the merchant whatsoever. 

In response to the merchant 's lack of communication, I opened a dispute with Affirm and provided irrefutable evidence to support my claim. However, Affirm unjustly sided with the merchant, despite their clear violation of policies. 

On XX/XX/XXXX, I took it upon myself to pay the loan in full to Affirm, in an effort to avoid any potential penalties. Subsequently, on XX/XX/XXXX, I filed a dispute with my bank regarding the transaction. 

After a thorough investigation, my bank concluded the dispute to be valid in XX/XX/XXXX. 

Despite my efforts to resolve the issue with both Affirm and the merchant, I have been met with inadequate support and dismissal. I am deeply disappointed by Affirm 's failure to conduct a fair and thorough investigation into the fraudulent activity on my account. Had they done a proper investigation back in XXXX, we wouldn't be dealing with this issue. 

I expect a swift and comprehensive response outlining the steps Affirm intends to take to rectify this situation and restore my confidence in their integrity and commitment to customer satisfaction.
Consumer complaint received 2024-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

On XX/XX/2024 my husband sent a check through USPS to Mohela. This was to pay off the remainder of my student loan debt. The check was signed for on their end on XX/XX/2024. The check was cashed and XXXX taken from our account on XX/XX/2024. My husband and I have called MULTIPLE times to see if the debt is cleared and they're saying they do not see the payment. It's a SUBSTANTIAL amount of {$55000.00} because this was the exact pay off amount at the time we sent it. It's been almost XXXX  days and we are starting to receive late notices and past due bills. No one can give us a straight answer and we are at our wits end. If this was a monthly payment, it would have gone through. Why has this not gone through? They cashed the check almost XXXX months ago!!!
Consumer complaint received 2024-04-21
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 (CA)

A week ago I tried to go online and convert rewards, which is transferring points from my credit card to a partner program. My phone number kept getting an error message despite a phone number for verification going through on the rest of capital ones sites. I called into Capital One and told them this they tried to tell me that, there was a problem with my carrier, but I told them that I had no problem receiving verifications on other sites or on Capital One only when trying to convert rewards. I also started to research and noted that this is a known issue and there are many people reporting it. I spent hours on the phone on XX/XX/XXXX and XXXX requesting escalations because it had been a week and every time I tried I would get a failure. They kept saying that my account was new. My account is XXXX weeks old. I have points that I am not able to use the advertised feature of converting those points to a partner program. Therefore, I am unable to make a purchase with my points. I noted to each escalation that it was a blocker. They kept saying that it is working by design, but that they could not tell me when it would be resolved and that they was no workaround. They also stated that there are no other XXXX options available to me. I asked them why other verification options could not be done and they said they couldnt do anything except give feedback. The escalations team had no further escalation to resolve this issue. 
I have tried to tell them that this is not as designed user experience, but everyone at Capital One keeps trying to say that it is as designed and then passes phone calls along to different teams who never take ownership of the issue. It is an incredibly frustrating experience and I plan to advertise that this is a huge caveat to anyone considering signing up for this card and that its not worth it if transferring to a partner Is important to you
Consumer complaint received 2024-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have taken my car to XXXX XXXX for them to remove the old transmission  and install a new one which I supplied. I paid XXXX XXXX XXXX dollars for the labor to remove old transmission and install the new one. 
XXXX XXXX installed the new transmission incorrectly and they failed to replace the old seals with new seals and they installed a defective transmission fluid pan and gasket that leaks. So by them installing the transmission incorrectly and not replacing the seals that made the new transmission leak from all seals and I had to take my car to another repair shop who replaced the pan and gasket and I paid him XXXX dollars and I was informed that to replace the other seals it will cost me another XXXX dollars. 
So XXXX XXXX did a FAULTY REPAIR WORK AND INSTALLED THE TRANSMISSION INCORRECTLY AND THAT CAUSED DAMAGE TO MY CAR. I disputed the charge with capital Visa card and the case number is XXXX. And I sent all the documents and proof of faulty repair to capital one XXXX card but they denied my case and did NOTHING to help resolve my issue and get my money back from XXXX XXXX. They just denied my case even though I sent them all the documents ets and another opinion from another repair shop that the transmission installed was incorrectly installed and the seals are leaking and pan and gasket are leaking. 
I paid XXXX XXXX XXXX dollars to install a new transmission that I provided but they are so incompetent and ignorant and unprofessional that they installed it wrong and incorrectly. And any work and labor has a warranty on the labor for one year and I has not been but 2 months. I am disputing the faulty repair work done on my car and now my car is at another repair shop to remove the transmission and replace all seals and then install the transmission back and that will cost me over XXXX dollars because of faulty repair by XXXX XXXX. Capital one Visa card is the worst company on earth and they wont even look at the documents I sent and the proof I supplied for a faulty repair job and they wont rule in my favor. They denied my case within 24 hours. This is the worst customer service quality by capital one XXXX card. I want capital one XXXX card to refund me my XXXX dollars and rule in my favor and close the case in my favor and I want higher management to contact me to resolve this issue and refund me my XXXX dollars
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A. (TX)

I am writing to express my concern regarding an ongoing issue with PNC not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted PNC multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all three of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I, sent certified mail to the following addresses listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX As well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as most recent transaction was accepted and then rejected on XX/XX/XXXX. 
While also receiving a call from collection representative stating I am 23 days late on my payment. 

The amount I was charged was XXXX XXXX for a used vehicle and I am the original creditor.
Consumer complaint received 2024-09-08
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. (GA)

I have disputed this account a few times with each credit bureau and each time they all reply within a credit report stating that this account with XXXX XXXX has been verified as accurate and updated. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Under my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
The actions being taken each month affect my credit score, credit report, and creditworthiness.
Consumer complaint received 2024-04-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

I kept getting e-mails from a company claiming to be XXXX XXXX with an invoice for {$53.00}. I changed cell phone providers and was no longer using XXXX. When I closed the account, I owed nothing. I had a pre-paid plan and had to pre-pay for XXXX XXXX XXXX XXXX. I had minutes left over when I closed the account. I tried responding many times to explain that I was no longer with XXXX and owed nothing when I closed my account. They ignored my communications. Then, I got a letter throught the mail from MRS BPIO, LLC, trying to collect the {$53.00}. 

I called XXXX -- they explained that because I was on the pre-paid program, I owed nothing. They had no account for me. They suspected it was a fraudelent company posing as XXXX, using their logo. I have reported this to the fraud department of XXXX. I am still being sent invoices.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

XXXX XXXX purchased a computer all-in-one from XXXX XXXX in XXXXXXXX XXXX New Jersey The next few days I realized that the computer had a malfunctioning processor. Unfortunately I purchased the unfortunately as an open box special the item was not eligible for return. I purchased it using the chime credit builder card which I thought was a credit card. It was not so the protections that generally come with a credit card do not come with this card even still I disputed the charge and was told that the dispute was moving forward. I was expecting a document that was for me to sign so that they would have to do a deeper investigation I never got one. 
Expecting a provisional credit I never got one. 
I realizing that they didn't do a proper investigation I called many times cuz they didn't give me a provisional credit and also because eventually they denied my claim and I rebutted it. 
My account statement show no record of me disputing in charge this is a lie Not only did I speak to charge but I also appealed their decision and then filed another complaint of which there is no record of. 
Not only was I denied the ability to dispute a claim for a product that was described wrong and and did not function. The bank that I use was not really a bank it was a financial technology company and the protections that I thought that I held I did not hold and the card that I used which again I thought I had protections using I did not hold so I've been misled into an account that was not a bank also the card that I thought was a credit card was not a credit card. 
I've been misled by this company and in trying to get a resolution I have been misled hung up on lied to and not provided an Avenue to dispute a charge that was a very clear and no doubt a mistake on the vendor. I was not able to file a dispute because they didn't do what they were supposed to do and in calling them they kept and keep hanging up on me If it's a part of your investigation you would like to make a call to witnesses for yourself I would be more than happy to do so because they hang up on me every single time. 
It is impossible for me to give you exact dates and times I can however narrow it down because I did write down many of the names that I spoke to. 
I'm going to call XXXXXXXX XXXX see if they might help me but I'm not very hopeful and I'm going to be submit this complaint let me know if there's any information that you need further
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today is XX/XX/2024. I checked my credit report and saw fradulent accounts opened in my name, please remove these accounts. I never applied for these accounts nor I used these services from the companies listed below : XXXX XXXX XXXX  XXXX XXXX {$21000.00} XXXX  XXXX XXXX XXXX {$20000.00} XXXX XXXX - {$7700.00}
Consumer complaint received 2024-03-09
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: Experian Information Solutions Inc. (AZ)

I changed my name legally about XXXX  months ago. I used XXXX to get my credit reports from the XXXX main credit agencies, and all the information was correct. I changed my name with all of my creditors as well. I regularly check my credit score through my Experian online account too. When I changed my name, I requested Experian to update my online account with my new legal name as well. I submitted the required documents, and eventually, the name in my Experian online account was changed. However, after changing the name on my online account, Experian occasionally displays that I have no credit score in my account. XXXX or XXXX days in a month, Experian shows my new name with a credit score. And for the rest of that month, Experian shows my old name, and states that I do not have any credit score. I contacted Experian numerous times via phone and email. Each time I was just transferred from Online Account department to Dispute department back and forth. In my last attempt, I was transferred to the Dispute department, and I was told that " You'll have your credit score in XXXX business days '' and that obviously hasn't happened. 

XXXX of my creditors ( XXXX Bank ) provides a " free credit score '' monitoring service, but since they use Experian, I do not have any score there either. This brings me to this point that I'm about to have a big purchase ( purchase a car ) and I know the seller uses Experian to check credit score/history. Experian 's incompetence may prevent me from making my purchase or end up with a very high APR.

I have attached my last correspondence with Experian. I attached some Experian reports that show my credit score under my new name, and others that show no score under my old name after changing my name with Experian.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"