davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
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: WELLS FARGO & COMPANY (MO)

This is related to complaint XXXX. That complaint was solved by the company satisfactorily as the product had not been returned. I was told by wells fargo that if I returned the product to the company ( XXXX ) and they still refused a refund after XXXX weeks then they could re-open the dispute and pursue it properly. 

I paid to ship this product back to XXXX per XXXX  shady XXXX return policy. koalarhealth confirmed receipt of the item and then, predictably did not issue a refund. when I asked for the reason, after many different excuses were given they eventually landed on that wells fargo had an active charge back against them, so they were unable to issue a refund until that charge back was cleared. I contacted wells fargo and they claimed to know nothing of this and said it would not stop the company from issuing a refund. Wells Fargo 's dispute department then tried every trick under the sun to avoid re-opening the dispute. every excuse from " I'm sure the company will issue a refund once they receive the item '' to " its been 121 days our limit for disputes in 119 days ( never once mentioned in the many hours I have spent on the phone with them ) ''. eventually after being forced to threated reporting them to every regulatory agency in existence they transferred me to a supervisor. This supervisor had no trouble re-opening the dispute ( that 119 day limit was apparently XXXX ), but clearly was only half listening as they talked over me several times during the call. In the end they re-opened the dispute only to close it the next day because they looked up the tracking number on the shipment and it shows the item as still in transit. This is obviously an error in the tracking as the company has already confirmed receipt of the item. Wells Fargo had the proof of this confirmation of receipt as they specifically asked for it, but they closed the dispute anyway despite this proof that the item was in fact delivered. I have yet again attached my email chain with XXXX where they clearly state they received the item. 

It is clear they did not even try to contact the company to resolve the dispute. they just looked up the tracking number and closed it straight away with no further actual investigation. 

XXXX has continued to insist throughout this process, that all they need is confirmation from wells fargo that this dispute has been closed and they will automatically issue a refund.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MI)

Subject : Dispute Regarding GAP Insurance Claim Denial and Cancellation Dear CFPB I am writing to formally dispute the recent denial of my GAP insurance claim and the subsequent handling of my coverage cancellation. Below is a detailed account of the situation : XXXX. **Date of Cancellation Request : ** XX/XX/year> - On this date, I contacted Ally Insurance to cancel my GAP coverage. I was advised to file a claim despite my car having no fault insurance and XXXX, my primary insurance provider, not covering the total amount due to the lack of comprehensive and collision coverage. I was instructed to speak with XXXX regarding the cancellation and to proceed with the XXXX claim. 

2. **Claim Processing and Initial Information : ** - After filing the claim, I was informed by XXXX  XXXX that an insurer settlement check would be issued within 7-10 business days. I was led to believe that this settlement would cover the outstanding balance of my car loan. 

XXXX. **Discrepancy in Information : ** - Upon following up, another representative informed me that the settlement amount would not be {$15000.00} as initially communicated. Instead, I was told that this figure was merely an estimate and that GAP coverage would not cover anything because the Actual Cash Value ( ACV ) of the car exceeded the outstanding loan balance. This contradicts the previous information I was given. 

4. **Refund and Eligibility Issues : ** - I was informed that I was not eligible for a refund of the GAP insurance premium and that any potential refund would only be issued after a review. This is concerning, as I have been paying for this coverage as part of my finance charges every month. 

5. **Discussion with Supervisor : ** - I spoke with XXXX XXXX XXXX who reviewed the situation but did not provide a satisfactory resolution. The discrepancies and miscommunications throughout this process have left me frustrated and confused. 

**Summary of Issues : ** - Miscommunication about the settlement amount and GAP coverage eligibility. 
- Conflicting information regarding the refund and claim process. 
- Unclear guidance on the cancellation of my GAP coverage. 

I request a thorough review of my case, clarification on the coverage terms, and a fair resolution to the issues mentioned. Please provide a detailed explanation of why the settlement amount differed from initial information and how the refund process will be handled. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

I purchased a large sum of furniture from XXXX through a promotional program they offered via Comenity Bank in XX/XX/year>. The promo was for XXXX XXXX interest for XXXX  months. 

Part of the process was to establish an online account with Comenity Bank, which I did. I also set up automatic payments and entered into paperless notifications. 

Nowhere in the process of setting up paperless notifications does the site tell you that you will NOT receive emails regarding your account or payments during the period of the promotion. For just about every other service I pay for, when I enter into paperless billing, I get an email EVERY XXXX month. I also get notified about certain price increases that have occurred due to things like high energy use for any given month. 

The paperless option provided by Comenity Bank feels like a trap. They are banking on consumers forgetting the date to which they need to pay the amount in full so that they can begin raking in the interest at XXXX XXXX. 

Furthermore, the user interface on their application did not work when I attempted to set up automatic payments. I had to call in and set it up because the interface simply would not function. To me, it seems like this online/digital experience is an afterthought for Comenity Bank which puts consumers like myself in serious financial jeopardy. 

XXXX  years went by and all of a sudden I was hit with an interest rate charge on the principal amount of XXXX XXXX  which totaled over ~ XXXX. This is nearly the amount I have left to pay on the account ( ~ XXXX ). 

Had I been notified via email or any other form of communication that I would need to pay off the remaining amount ( ~ XXXX ) in my account to avoid ~ XXXX in interest payments... I would have paid the remaining amount in full right away. 

When I called Comenity Bank to offer a fair resolution, they denied it.
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (NY)

Attempts made to question why FICO score has not changed. Personal loan paid off, creditor increased credit limit from {$700.00} to {$3000.00} and balance due went under {$100.00} across all accounts. Credit score increased twice by XXXX XXXX but no movement on FICO. Unable to reach a human to discuss these issues. 
I believe it's unacceptable for Experian to deny constituents right to discuss these concerns. 
Your assistance will be greatly appreciated XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I review my credit report and found this inquiry from XXXX XXXX and this is not made by me, inquiry date XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (CT)

I looked at my report in XXXX of 2023 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below because Please see the letters sent along with the tracking numbers for this letter # XXXX It shows letters are received but I did not receive a certified letter in the mail stating a response and it is well over the 30-60-90 days. I need this corrected as soon as possible
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (FL)

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 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX. You have me listed as XXXX XXXX XXXX. Please update to the correct name. My address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please update this as my current and only address.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Unverified and unauthorized inquiries appear on my XXXX credit report. I have called to request their removal, but no action has been taken. 

XXXX. XXXX  XXXX XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX. XXXX  - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Under the FCRA, it is a legal requirement to delete unverified and unauthorized items.I have requested XXXX to delete. has not been completed.
Consumer complaint received 2024-06-25
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. (UT)

Something appears to be going on with my credit and identity. Experian, one of the many place that keep this information, has been abhorrently difficult to deal with. While their " customer service '' has been " kind '' end of day I cant get anywhere. Their login constantly spews " oops, were sorry '' error messages, which I plan to attach a screenshot, and calling the number listed ends in constant round about of automated and useless BS. These people have wrong info about me, they are probably now causing problems for me even though I have impeccable credit throughout my life, no debt, etc.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

When student loans left the federal forbearance period in XXXX, 2023, I set up auto pay with my credit union so Ed Financial could take out my payments and apply them automatically. They have been withdrawing the money every month ( XXXX, XXXX, XXXX so far ), but are not applying those payments to my account. They continue to send me late payment notices but the money is leaving my checking account. 

I have tried to escalate this with management at Ed Financial, but the only action they have taken to date is to cancel my auto pay. Now my Ed Financial statement shows that I am nearly {$1800.00} overdue in spite of auto pay taking that money out of my bank account.

I have shared with them twice now, bank statements proving the withdrawal on the same date each month, but Ed Financial continues to pass me from agent to agent with absolutely no resolution in sight. I will consider legal action in this matter if I can't get an amicable resolution as I am currently being defrauded by this servicer. 

I am attaching images of my accounts and billing statements. In the statement from Ed Financial you can clearly see that I was enrolled in Auto Pay until this week. This was Ed Financial removing me from auto pay, but not correcting their error. Please feel free to reach out if you need any clarification for these images.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is falsely reporting an erroneous account on my consumer report. I disputed with them and they responded saying the item was 'verified ' by XXXX XXXX I have attached below a letter i received from XXXX stating that the inaccurate information has been 'located and removed ' from their system.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been disputing XXXX in the amount of XXXX for 9 months and also wrote all three credit bureaus providing information to them that this company does not have any verifiable information. This has been an on going battle since XX/XX/year>. That have not showed me any verifiable information as requested. I am a victim on the credit bureaus not following consumer law. And I am a victim of my family not being able to compete in the world because the credit bureaus have bullied me by keeping my credit score so low that I cant get a car nor house. I need help.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following companies ran unauthorized credit report on me. XXXX XXXX.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights
Consumer complaint received 2024-07-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Splash Financial, Inc. (IN)

In XX/XX/XXXX, I entered into a loan agreement with Splash Financial, identified as loan number XXXX. 

Splash is not a licensed lender in the state of Indiana. They have a non-lender ( education ) license, number XXXX, originally issued XX/XX/XXXX ; according to the Indiana Department of Financial Institutions, a 'non-lender ( education ) ' license is NOT a license to offer lending services ( either commercial or consumer ).

As such, Splash Financial does not have, and never did have, a license to provide lending services in the State of Indiana. 

If that were not troubling enough, Splash Financial is not listed as a licensed lender in the State of Indiana on the Nationwide Multistate Licensing System. 

It gets worse : XXXX XXXX, the servicing company used b

y Splash Financial, is not a licensed lender/loan servicer in the State of Indiana. And, the bank used by Splash Financial - XXXX XXXX XXXX ( XXXX ), is ALSO not a licensed lender in the State of Indiana.

It would appear as if, at its base, the Splash/XXXX arrangement and loan issued to me was a subterfuge to evade Indiana licensing law.

I have suffered - and will continue to suffer - real and substantial injury as a result of Splashs illegal lending practices. Splash has been unjustly enriched as a result of its unlawful acts or practices at my expense.

Adding insult to injury, I contacted Splash via email ( pursuant to the terms of their loan agreement ) to seek a amicable resolution to this issue prior to seeking legal remedies ; Splash, however, continues to evade responsibility and refuses to acknowledge their illegal lending activities in Indiana.

Splashs ongoing behavior involving breaches of both state and federal law demonstrate their illegal lending practices, and damages therein inflicted upon me, are not isolated incidents but in fact are a pattern of ongoing unfair trade practices tethered to a willful disregard for consumer protection laws.

Please see the attached documentation from both the Indiana Department of Financial Institutions and the Nationwide Multistate Licensing System which verify the claims made in this complaint.

Splash must void their illegal loan made to me, return all payments I have made on that illegal loan, and remove any and all reporting of said loan from all my consumer credit reporting files/bureaus.
Consumer complaint received 2024-06-30
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Subject : Urgent Complaint Regarding Denied Claims and Lack of Bank of America XXXX XXXX XXXX XXXX Following my previous complaints I received a email from which seems to be a bogus department called regulatory complaints department. You can never reach a real human and you never get a response. I dont know what to do besides to keep filling complaints and pray something gets done about this so I am writing this complaint to express my extreme frustration with the handling of my recent claims. Despite providing all necessary documentation, including police reports and identity theft records, my claims have been consistently denied without any valid explanation. The automated responses and lack of human communication have left me feeling helpless and unheard. 

I kindly request a thorough review of my case and a reconsideration of the denied claims. It is essential that I receive the resolution I deserve promptly. The constant repetition of the same denial message is unacceptable, and I urge you to take immediate action to rectify this situation. 

Please provide clear evidence and explanations for the denials, as well as a direct point of contact for further communication. I expect a timely response and a fair resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and 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.