davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Case Reference Number : XXXX CFPB File Number : XXXX This complaint is a REBUTTAL to a response from XXXX XXXX dated XX/XX/year> regarding a dispute on the above CFPB File Number and Case Reference number & also previous disputes regarding this account.

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (OH)

On XX/XX/XXXX I suffered a total loss to my XXXX XXXX XXXX XXXX, and notified Exeter Finance about the accident. My insurance company paid the loan down to {$7500.00}. Exeter was unable to refinance this loan to the back end of a new loan, and I had to get a new vehicle. The maturity date of the contract is XX/XX/XXXX, and I requested an updated amortization schedule based off of the new balance through the maturity date of the loan, so I could pay them off without settling and also be able to make my other car payment, as well as live. I spoke with a manager mid XXXX who stated they would submit a request, and I'd hear back, but I didn't hear back. I've gotten phone calls from representatives requesting payment, but no resolution to my request. Today I was told by a representative that they can't change my contract amount, and in 3 days I would be reported 30 days late. No call from a manager or director, as I was promised, just a regular ole representative who could've told me this before 3 days before being reported late. I answer every phone call from them. 

I request to speak to a manager, and a manager said no, but let 's get you a settlement offer. The settlement offer was {$5000.00} and I had 10 days to come up with it. Now... if I had the funds for a settlement offer, I'd just make the two payments and call it a day. Then, said manager, I believe her name is XXXX, asked me if I had gap coverage knowing that they didn't offer gap coverage through their loans, or I would've had the gap coverage.

So... 
They don't refinance. 
Don't offer reasonable settlements. 
Don't offer gap coverage. 
Don't return phone calls in a timely manner to avoid backing their consumers into a corner.
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I became unemployed back in XX/XX/XXXX. During that time, I accrued what's commonly referred to as a PayDay loan from my bank, Fifth Third, and I've been struggling to repay it ever since. Nevertheless, I recognize that this loan ( like maaaany of my other credit endeavors ) was my choice, my mistake and my situation. I have a plan to pay it off by XX/XX/XXXX. 

With my PayDay loan maxed out, and only {$16.00} in my checking account, I transferred money from an external savings account to my Fifth Third checking so I could get gas and groceries until pay day next Friday, XX/XX/XXXX. However, when the funds were transferred to Fifth Third, they took the money as a contribution toward the PayDay loan and applied the {$250.00} balance there. 

I called to explain that this wasn't a direct deposit from my employer, ( who happens to be the same financial institution that the funds were coming from ), but that it was a transfer from a savings account to my checking for essentials. I asked them to place the money back in my checking. They essentially told me 'tough luck ', but you can take another draw on the PayDay loan tomorrow... for which they'll naturally assess a fee, I pointed out, and that would not give me access to necessary funds today. 

I've since discovered that Fifth Third is charging me an exorbitant amount of fees monthly, again, for which I'm sure I'm responsible for not reading the fine print. This is a banking institution that I've been with since roughly XXXX. I've always been told that they were considered 'fee heavy ', conservative lenders, but since I've had only a few minor problems with them over the years, I chose to ignore it. Today was the last straw. 

I know PayDay loans are legal, but they are without a doubt, predatory, and Fifth Third 's is no exception. Today I was told by my financial institution that they cared more about placing me into additional financial hardship when I'm vulnerable than they did about my ability to eat and put gas in my car to get to work. In XXXX, I'm going to close as many of my accounts with them as I can and after 15 years of banking with them, I can honestly say I'll never bank with them again. I doubt anything they can say or do will change my mind at this point. 

I'm only filing this complaint 1. Because Fifth Third conveniently dropped my call when I asked to be transferred to the disputes department, and it's actually extremely difficult to file a written complaint with them. I guess if one 's complaint process isn't all that transparent, one probably receives fewer complaints ... 2. I really hope the CFPB is monitoring what Fifth Third is up to these days. I can not be the first and only person they've done this to. Unless you make a certain percentage of money or investments, they don't actually care about you.
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

i have a total of 24 inquiries i did not authorized in short it was not me! And i have 2 accounts that i want it deleted immediately becuase i have no financial obligation! i when i contact the credit bureau i was ask to submit a report here and add the needed letters and documents so place since i have taken my time to do this can you also take a time to review and submit this.
Consumer complaint received 2024-05-30
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 (CA)

Dispute number XXXX Attached are the evidence for this dispute case. 

XXXX, the phone operator can not understand XXXX language, as in literally. She could not even write an error free XXXX sentence. The call lasted over one hour, only to lodge a simple dispute. I have concerns over the notes XXXX has put in the dispute case. I want to immediately discuss my dispute case and the attached notes over the phone with the executive office of Capital One.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/2023 I called XXXX. I got the number from what was presented as XXXX XXXX as I was having sign up and technical issues. An XXXX XXXX represented himself as a tech advisor. He instructed me by using XXXX to make dummy transactions and no money would come out of my account. When I realized I was involved in a scam I hung up and immediately called my bank to cancel the transactions. I was told nothing could be done until the transactions posted. Not a very good system to thwart scammers. I was advised to contact disputes which I did. They put the money back pending investigation. Yesterday I discovered they had taken the money back out. I called for an explanation and was told since it was XXXX there was nothing they could do. They knew from the start it was a XXXX transaction. I only have XXXX now because it is a service provided by my bank. If XXXX XXXX involved the bank would be taking care of me! XXXX says its a done deal, nothing I can do or anything they will do. I am a senior citizen on a fixed income. I was taken advantage of and feel completely stupid, and am heartbroken over this.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (NC)

I have had my account with robinhood around XXXX  days. Well they have XXXX lite coin and XXXX in cash. I can't get a phone call. They keep stalling. I reach out to them everyday. True nightmare
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

I've consistently made timely payments on this account, ensuring they're never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

I have already submitted a complaint with CFPB before I talked with Wells Fargo trying to resolve the issue and trying to get some light on my issue and understand what all is going on and where my missing money went to but as usual they just talk in circles don't respond to emails or phone calls. I've left voicemails, I've been hung up on it's getting really ridiculous when I show them the fax and I have the proof I don't hear anything back from them. I explained that I wanted my three months of extra payments to go directly to principal because I was three months ahead, and after the change was done, I was told to wait 72 hours. The change never happened and began my long, confusing, Strange interactions with Wells Fargo. The month prior my payoff balance was {$6800.00} the following month, which was supposed to have my three months future payments to have gone to principal along side, my regular monthly payment regular monthly payment being on auto pay since the beginning of the loan term has been at {$810.00} after the changes were made the following month my payoff balance increased it {$6900.00} after supposedly {$3200.00} went towards my account. Wells Fargo is trying to pocket the {$3200.00}. I would really like to see this worked out and Wells Fargo be punished because this is wrong and they seem to do it so often I understand that they had a lawsuit recently if {$2.00} billion payout yet they still continue to try and rip off and steal from people.
Consumer complaint received 2018-04-10
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. (GA)

Not mine inquires/ 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 2024-05-10
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OK)

I needed XXXX XXXX that costs {$6400.00}. The company told me about a no payment, no interest for 12 months financial assistance program. I applied because I couldnt afford the XXXX XXXX and was on Social Security XXXX and needed the XXXX XXXX to return to work. Turns out that the program was a Wells Fargo credit card that could only be used for the purchase of the XXXX XXXX. Also, there was no no payment feature. It took me 8 months to catch up on late penalties and as soon as I got on track, I was hammered with a {$900.00} interest charge for the first year on top of accruing future interest. There is little to no assistance for XXXX XXXX purchases and XXXX benefits for them are laughable.
Consumer complaint received 2018-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NY)

ABILITY RECOVERY SERVICES , LLC {$1400.00} they say it was opened XXXX this account was fraudulently opened I am a victim of identity theft please remove my name of this account as it is fraud and does not belong to me
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

i sent letters on XXXX to the cra disputing the inaccurate and incomplete accounts they are reporting on my credit report. Per 15 USC 1681eb, IT STATES THAT ALL CONSUMERS INFORMATION HAS TO BE XXXX  % ACCURATE AND COMPLETE BEFORE REPORTING. THE FOLLOWING ACCOUNTS ARE INACCURATE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY OF EACH BELOW FOR YOUR REFERENCE
Consumer complaint received 2023-05-04
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. (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to urgently address the ongoing issue of inaccurate negative accounts on my credit report. Despite multiple challenges and requests for removal, these items persist, causing significant harm to my creditworthiness and financial opportunities.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I leased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX Tennessee. When the 3 years was up I purchased the vehicle. I was told I had to purchase extra add on packages. I tried to cancel them. No one has ever called me back.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MN)

I am writing to file a formal complaint against Consumer Financial Protection Bureau. This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. I recently pulled a copy of my credit report and noticed that there was a collection from your agency on my credit report. I was never notified of this collection. Not notifying me is a violation of the Fair Debt Collections Practices Act ( FDCPA ). This is not a refusal to pay, but a notice that your claim is disputed. Under the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due.
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2022-10-10
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)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.